I forgot post my nutcase results! I sent off 3 nutcase letters in November and I was freaking out because I was not sure if I was to follow up and dispute with anybody/everybody after sending them out. So I decided to do nothing and two of them were removed without a peep and Wells Fargo sent me a letter saying 'our bad and we are having the CRAs delete the entry.'
If these were in fact not your accounts, or were reporting negative information erroneously, follow up and insist on a letter from the OC confirming their determination and decision to remove. Otherwise they could pop back on, possibly at inopportune times such as when you are buying a house, and it's faster to get their removal again when you already have it in writing in your files.
Thanks ontrack. I did it on ones that are to drop off in the next few months. They all were reporting wrong, but Wells was the worst of the three which is why I am sure I go the letter from them. I think that is very good advice though for the other people doing nutcase stuff. I have an interesting (ok, as interesting as these issues can be now I suppose) one for you now involving a small hospital bill (your fav ), but I'll post it on a different thread later tonight when I have time. Hope you had a great holiday season and happy new year
Here is a link for you to read giving you some background on the nutcase letters. You can always look it up on search and gather more info as well. If you find that you can indeed use the nutcase, I would be happy to show you what I did. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=18550&highlight=nutcase
Great job Ice. Sounds like 100% to me. Although Ontrack has a great point, I'd be very reluctant to stir anything up on these.
My limited experience in getting DFs to correct errors has been: 1) The one case that routinely sent a letter acknowledging that they were correcting the error (actually this was also Wells Fargo) did result in the error being corrected with no further problems. 2) The case where the CSR said "we don't normally send letters" and I had to insist, resulted in the problem reappearing a year later, she couldn't find a copy of the letter she had sent in her files, and my copy expedited the correction again. This time I created a stronger paper trail, with simultaneous CRA dispute, CRRR, as well as memorialization letter including copy of her earlier letter, both FAXed and mailed CRRR. This sounds insane, but the value of a totally clean report prior to home refinancing justified paranoia. Systems run by competent responsible adults acknowledge that when errors happen, as they will sooner or later, they have a responsibility to correct them. They are willing to document their correction to ensure that things are made right and stay right. Systems run by incompetent irresponsible people who believe they don't make errors, don't believe errors require any written response. No record of errors exists, so they know their organization just doesn't make any. Systems that don't track their errors don't work reliably. They are not run competently.
