I have a paid off charge off bad debt with providian that i disputed with the cra. Today it came back with updated and not removed like i was hoping. i used account not mine. the debt is from 97. if i dispute again in the future is there something else i can try to get it off my credit report before 04
I was wondering if a validation letter would work in this case. I know what you're going through. I have a paid charge off that's set to expire in 10/03... GT
You can dispute it as "not mine" again. I disputed a pd chgoff as "not mine" 4 times before it finally got deleted from EX and TU. It's still on EQ. I didn't do it back to back, I disputed other things in between or waited. Is there anything at all wrong with the tradeline? Is the charge off date correct? If they are reporting anything incorrectly and you have proof of that, you can use it to get them to delete. You can send a validation letter to the original creditor, although thats not who its designed for. There is a modified version around here somewhere for that purpose. They don't have to respond to it, but it might get them to screw up, giving you the upper hand to make them delete. Another option is Doc's Litigous Nutcase letter, that to is around here if you search. It was designed for fully paid debts.
