Newbie getting started need advice

Hi I am new at this. I have researched a lot of threads, and read a lot of good information on here in the last three days. Probably read too much to absorb it all. I have a BK7 on my report from 96, and some other debts to tackle. I want to start with validation, and disputing with the CRA's, but am somewhat confused about the whole process. My first validation letter will go out to an attorney's office trying to collect a Cap 1 debt. I just received the CA letter last week and have 30 days to reply (dispute).

Also have a question, if the CA is reporting to all 3 CRA's then I have to send dispute letters to all three CRA's, correct? And the best time to tackle this is about a week after I get my return receipt from the CA? Is there an example letter to send out the CRA's posted here somewhere? Every letter I come across I try to save it and refer back to it for future use.

Can anyone give me sort of an outline on the time frame with links to letters to use and dispute procedures? I don't mind searching but I am a SAHM with two toddlers and my research time is limited....I would appreciate any and all relevant advice. Thanks.

Is there anyone that can give testimony that has been succesful in getting deletions with or without suing?

 

<Bump>

 

<Bump> Bump again? 42 people looked at my post and no one offers any help. This board is not very friendly to me.......good reading here, but no one wants to reply to my post.......

 

Not the advice I was needing. The question was about bankruptcy not burger king. Thanks not your humor.

 

Rather, George the question was about how to go about in the simplest way to credit repair. I mentioned that I had a bankruptcy in 96, but that wasn't the question. Since you don't know I'll keep waiting for someone's reply, or find another board with more friendly helpers.

 

Re: Re: Newbie getting started need advice

I see it now, sorry for the sarcasm but I'm pretty uptight about starting the procedures of cleaning my credit up.

 

Re: Re: Newbie getting started need advice

Thank you, I am working on my reports now...got them all. Do you think I should dispute collections first or charge offs on revolving accounts? I know I can't do anything about the bankruptcy. I have about 6 derogatories other than that, 3 collections and 3 charge offs on CC's.

 

Re: Re: Re: Newbie getting started need advice

Thanks for that advice. I have one more question for now. I received a letter from a collection attorney on cap 1 but my CR shows it is still being reported by the OC. Do I validate with both? Credit report shows written off as profit/loss. Attorney's letter said interest is still being compounded daily.

 

Hi Jlynn,

Thanks for that good advice. I have been hoping to hear from someone over the matter of being new, and being scared to get this started. I am not really scared, but time is limited with a 2 year old and a 3 year old, and I am afraid, I may leave steps out therefore not getting anywhere. I plan on tackling about two at a time.

I found something on my credit report that I don't really understand, I beleive it is TU. It says under consumer statement "Do Not Confuse With Consumers Of Simular Name, Verify All Identification", or something to this matter. I never sent in a statement about that.....what are they doing, and is this affecting my score or what do I need to do in this matter?

Thanks again for your knowledeable help and welcoming me to the board. I enjoy reading different threads, but it requires a lot of time and note taking.

 

The Cap 1 is a new card that has been in default since 10/2002. There are 3 cards all together that I have not been paying on in over a year, that one and two by Providian. The Cap 1 is trying to collect through an attorney's office in my state but he is not reporting on my CR, it is still being reported by the OC and says written off/ charge off. Providian is on there too, as bad debts.