Newbie intro: mci, sprint, etc

great board and useful info.

I have 2 MCI collections from CBCS and PARK DANSAN.
1 SPRINT from Afni. They are all on experian but not everywhere else.
1 from DC credtisrv in Topanga, CA

I have not had much trouble getting credit cards except from First USA/Bank One which recently started denying.

I have a long perfect history of credit card use without any lates. No mortgage or car. All my collections are phone, etc.



MCI CBCS $50
Reported as new even though it's probably years old.
I got a letter in Nov from CBCS (still was not on Experian). I have only written to CBCS (1st validation). I did not dispute with the bureaus (probably should have). It is now on Experian with FCRA dispute note. I have just prepared the second letter which I also emailed and faxed. The first letter went priority mail with signature the copy of which I was going to include in my certified mail 2nd validation request. Is this a good idea or should I have pretended I am not aware of all that.

MCI PARK DANSAN $85

Prepared first validation

AFNI Sprint $30

Prepared first validation


D C CREDITSV CULLIGAN WATER
Chargeoff initially $180, $230 with fees.
A few years ago I signed an agreement and gave a credit card. For some reason they did not charge it immediately and months later they wanted payment again as that card was closed. At the same time I was becoming unhappy with their service and refused payment (it is possible that they actually charged the first credit card but I could not find the receipt; it probably was not charged).
About 18 months ago they wrote collection letter and I wrote to stop contacting me.
I was planning on preparing a validation letter.

I am pasting and editing Psychdoc's letters.

 

afni is from 2000
cbcs is from 2003 (should be also 2000)
park dansan from 1999
California.

Any comments, advice are welcome.

Should I request validation and dispute with CRAs for all 4 at once.

Is it a good idea to include the delivery receipt of the first validation with the second validation letter i.e. is it a good idea to demonstrate that I am keeping good records and collecting proof.

 

yes, but I thought it might be interesting to practice a little in lower risk situations, learn the procedures and maybe even sue for violations, etc. Since they are so old they've already damaged my credit rating. I have been denied credit in the past apart from recent First USA.

 

correction: CBCS had not yet entered anything on the credit report when they sent a letter and I requested validation. They had done it after I requested validation. Does that change anything?

 

I also have NCO mci for 80, 120 with fees. This is on TU only. Some of these are the same thing collected by different agencies it appears.

 

Re: Re: Newbie intro: mci, sprint, etc

They received validation request on 11/21
Also I have not had an account with MCI in a coupla years, yet it's open on 10/2003

The last time I pulled EXP was on 10/9/2003; it was not there. Their first letter was sent on 11/5/2003
It appears they reported it before sending the letter?
Is that ok?

I am about to send the 2nd validation request and dispute with EXP.


EXP record:

Date Opened:
10/2003
Type:
Installment

Reported Since:
12/2003
Terms:
NA

Date of Status:
12/2003
Monthly Payment:
$0

Last Reported:
12/2003
Responsibility:
Individual

 

Re: Re: Re: Re: Newbie intro: mci, sprint, etc

yipppeee
my first CA violation

 

Re: Re: Re: Re: Newbie intro: mci, sprint, etc

I disputed CBCS online with EXP and it was deleted in a few days. I also sent the second validation letter.

Should I just leave it at this point?

Can I sue for reaging? which amount? Does the CA have to be sued in their own state?

 

Re: Re: Re: Re: Newbie intro: mci, sprint, etc

I sent letters of validation to the rest.

AFNI sent a letter with social 000-00-000, $ amount and Sprint. That's all the info. I assume this does not count as validation. I did not get a signature confirm, yet they responded to the letter. Interesting.