Newbie using Click2Mail.com for sending all my mail electronically

Discussion in 'Credit Talk' started by Delzars, Aug 8, 2011.

  1. Delzars

    Delzars New Member

    I'm a newbie. This is my first post. I hope I'm posting it in the right place. For the first time in my life I got a copy of all 3 of my credit reports (and I'm in my mid 40's). Needless to say, I was aghast. No wonder my life has been so difficult for the past decade. There was so much inaccurate information it was frightening. A $7,700 medical bill that went to collections. The bill was from a hospital in Tampa, Florida. I've never set foot in Tampa Florida. A $300K foreclosed mortgage. I've never owned a house, applied for a mortgage or received a mortgage.

    Yes, there was a whole slew of information that was partially accurate. 12 year old charge off accounts where the sneaky collection bureau keeps upping the date of last activity to extend the 7 year period. All the stuff I've been reading about here.

    So I took the first step last night and sent out a validation letter to the hospital. One of my weaknesses with this process is all the time and effort it takes to go to write a dispute letter, print it out, put it in an envelope, take it to the post office, get a certified and return receipt, keep track of all those pieces of paper and on and on and on.

    So this time I decided to use Click2mail. I wrote my letter on my computer. Uploaded it to Click2mail and paid for it. They print it, stick it in an envelope, send it certified and give you an electronic Return Receipt that can be tracked through the US Postal Service website. It cost about 5 bucks a letter but I'm OK with that. It costs more than that in gas just to go back and forth from the post office all the time. Plus, it's all stored on my computer for easy retrieval.

    The other thing I did was send my Click2Mail validation letters directly to the CEO's of the hospital and the collections bureau. Sure, it might be a petty and trivial thing to do but it felt good. If everybody sent their validation letters straight to the top it would create a massive headache for these misery brokers. Either way, I technically met the obligation of a validation letter.

    Then I got the email addresses of all the other corporate officers and the board of directors for both the collection company and the hospital. I emailed them the exact same dispute letter I sent through clickmail. Probably won't make a difference to the outcome but it would sure give them a headache if everybody did that.

    I read on this forum not to send validation letters prior to disputing credit items. But, the hospital thing is definitely not my debt. They have no way to prove it was me and I can definitely prove I wasn't even in the state if they come back with some BS document that says it was me.

    This is a great forum and I've already picked up some very helpful information here.
     
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    It sounds like you may have been a victim of identity theft as well. If you've got a foreclosed mortgage on your credit reports that isn't yours, that's a big deal! You should definitely start disputing these inaccuracies through the CRAs and notifying them of potential fraud. If it's not fraud and just a simple data entry mistake, they should figure that out quickly and delete the entry.
     

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