Hi guys, I think I'm a good candidate for PsychDoc's nutcase letter but I'm not sure. I did a search but got way too many hits to weed through. In the past, I have seen people post a "roundup" of links and info on how to properly utilize this masterpiece of social engineering. Can anyone help me out? K
Hey, Kimmy, thanks for the kudos. Keep in mind, though, that if this were really a "masterpiece," it would work every time -- which it doesn't. On the other hand the nutcase letter has begun to develop a pretty good track record, to wit: -- inquisitive's success -- missy73's success -- Killer's success -- Gillian's success -- betacredit's success -- wolverine's first success -- wolverine's second success Here's a link to the full sequence ("nutcase"; then betacredit's "son of nutcase" and follow-up #3): http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=160448#post160448 When I posted that full sequence, though, on April 2, I accidentally included version 1 of the letter. I had posted a better revision (version 2, lol) earlier on March 14 -- it includes a reference to the Nelson v. Chase case. So, use this as letter #1: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=153707#post153707 Christi, who is one of the legends on this board (LOL, hi Christi!) wrote one hell of a letter she called the "48-hour intent to sue," and wolverine used that as a follow-up to an original "nutcase" letter with good results on a particularly tough credit report problem -- here's that link: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=161562#post161562 Finally, if you want to read some rationale about why I'm surmising the letter has sometimes achieved positive results, here's some philosophy here, lol: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=125081#post125081 Hope this helps! Doc
Hi Kimmy, Here is the original link for the letter: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=125081#post125081 Here are the "Nutcase" series: http://consumers.creditnet.com/stra...ghlight=Nutcase+Letter+testimonial#post160448 Here are some testmonials: http://consumers.creditnet.com/stra...ghlight=Nutcase+Letter+testimonial#post154673 Here is version 2 of the Nutcase: http://consumers.creditnet.com/stra...highlight=Nutcase+Letter+version+2#post153725 Good Luck!
I haven't used the Nutcase letter, but have had VERY good (100%) success at getting paid collections deletions. Pull all three reports. Find information that is incorrect, dates, amounts, anything. Fax a letter to the furnisher stating that you are concerned that your credit reports have inaccurate information that is being reported by their agency. Tell them that you have paid this in good faith and that it is hurting your credit report to have this inaccurate information on it. Do not tell them what, do not tell them which CRA. Give them all other information, name and address, no account number. Be professional, nice in this letter. These are letters you may eventually use in court - be aware. I always compose these thinking a judge may hear them. Wait to hear back from them. If you do not owe them any money, they CANNOT pull a credit inquiry on you to find out anything like "how" they are reporting it. If they do, it is 1000.00 paid to you. If they ignore you, then fax another letter to them, this time MORE professional, stating that you have not had the item deleted. You have already sent them one letter, explaining that they are reporting the item incorrectly, and that if they do not delete it, then they are willfully reporting incorrect information and they are not even showing the item in dispute until they have investigated it. Copy the FCRA for them. Dispute with the CRA. Wait for it to be deleted or VERIFIED. Wait to hear back from them. If you receive no letter, then third letter goes out. Tell them that unless their compliance department corrects or deletes the item within 5 days, that you have no choice but to mail the Attorney General of their state, the Better Business Bureau, and the state agency that licenses them in your state. Express your disbelief that they verified the incorrect information instead of deleting it even though you notified them of the fact they were reporting incorrect information. Give them your phone number and address and fax if you have one. Tell them you expect to see proof of deletion. After 5 days, write letters to all of the above enclosing copies of your letters/faxes to the agency explaining they are willfully reporting information they know to be untrue. This has worked for me.
