I am a bit stunned by the response to my Nutcase letter to Fingerhut. Any assistance/advice would be greatly appreciated. Account Info: was reporting 150 days late on all 3 CRAs at the beginning. TU - Deleted through disputes EQ - Managed to dispute it down to one 90 day in 8/01 EX - Fully verified (big suprise) shows 150 days late. & of course they won't re-investigate. This puts me in a bit of a pickle- I'm sure with time I can the the EX completly clean. However, EX won't budge on re-investigation. SO... I wrote a Nutcase letter to Fingerhut last month asking for Validation of my account from 2000. I got the reply the other day and have NO IDEA what to do. They sent me every statement from the beginning of the account (11/00) and copies of signed orders from Dec 00. It seems to me that this is excellent validation and I don't really have a point to push... HELP from someone who's had success being a Nutcase...
You might want to double check to see if the validation adheres to the rules: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=42188 Also, did you try to dispute with the CRA after the first nutcase went out? Did it show the account in dispute? If they didn't provide you with proper validation, or if they didn't report the account in dispute, then you've got them. Nonetheless, continue to dispute the account with the CRA.
I thought using the Nutcase letter was for Paid Accounts. OC or CA. I expected them to ignore it. I cannot re-dispute with Experian because they refuse to investigate without proof. (I disputed once already online- and that's all you get with EX). I'm sure I'll get it off the Equifax at some point... but that doesn't help getting it off Experian. So I tried the Nutcase approach. I'm wondering from those who've had success- do I just get "nuttier" even though they've sent me documetnation.
I was more referring to the poster who said if they didn't provide proper validation "you got 'em". The nutcase is for paid CAs and OC's. I *think* you are supposed to get nuttier, but the one time I used it, it worked like a charm on the first try. Maybe reread the thread? I know it is a series. Good luck!
I would agree, Nutcase is a series, and it is not targeted at OC's. But, I would recommend looking at the FAQ again, as some people have had success with the approach with OC's. I'm on my second letter, with one of the accounts being an OC, so no real results to date, other than being ignored http://a1248.svwh.net/BoardFAQ.htm#Nutcase
I almost didn't respond to this thread, but I thought, "What the heck," lol... There are a few truths here that are worth restating: 1) No "right" answers. There is no correct answer when dealing with fully paid creditors. The tactic I termed "Nutcase" is really a frame of mind -- get crazy with them because no law limits your nuisance quotient, and they would rather be done with you because you've already PAID! Feel free to escalate to your heart's desire. 2) There is a path. There is, however, a well traveled path of many people who have tackled the problem a certain way with success. If you follow the links provided regarding the matter (in the INTRO posts, here and there), you'll see many testimonials as well as details regarding how each individual applied the approach to their specific situations. 3) It may not work for you. No tactic works for every situation and everybody. Your mileage may indeed vary. Regardless, don't give up. Keep at 'em. Remember, they have no leverage over YOU anymore -- you PAID. I recommend being a pain in their necks (without breaking the law -- threatening physical harm, etc.). 4) Follow the directions. There is a tendency among some newcomers to be afraid at every step. I remember those days myself. There's nothing wrong with that -- credit problems can be scary. Still, if you don't feel brave, I recommend following the well-worn paths of others. In other words, with respect to the Nutcase series, it is indeed a series with well-travelled steps, detailed rationales, and multiple testimonials. When in doubt, just follow the directions. That's not saying that you've got a 100% chance of success, because nobody can tell you how it will all turn out. What we can say, with some degree of confidence, is that those who are persistent and who are committed to learning all they can often succeed. That's about it from me! Good luck to you, Doc
