I have read the FAQ and want some advice if this is the way I should go about this.. I'll just use EQ as my guide since all my reports are basically the same... 1. 5 collections 2. 2 charge offs (both paid) I was going to send dispute letters to the CRA for 3 of the older collections and one of the charge offs, and then validation letters to the other 2 collection companies. I hope that I am going in the right direction and any advice would be great! Thanks
First round of disputes it is easiest just to dispute everything with the CRAs as "not mine" and see what falls off. Just my opinion. Gib
Do you dispute everything in one letter or send a seperate letter for each dispute? Probably a dumb question but thought I would ask
You must have a copy of you reports already, so you can dispute online. Just go to their websites, fill in the File or Confirmation # and dispute online. DO NOT ADD A CONSUMER STATEMENT !!!!!! Just dispute, sit back and relax for a few weeks and see what happens. While you're waiting, read the boards and figure out what you (may) need to do in the future. On Experian's website, you can check the progress of your disputes/investigations. You should get updated copies of your reports in the mail that will show you the results. Good luck !!!
Here's a different opinion. I agree with disputing online, make sure you save/print all pages that say what you are actually disputing BEFORE sending them. EQ and TU don't give you a receipt like EXP. I would send validation letters first to CA's, 3-5 days before disputing. See below. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=116094#post116094 What LK doesn't mention in this thread is disputing after you recieve your CRRRs back from the Creditors. This places them under the oft-debated 30 days rule. Most importantly, if they screw up, which they usually do, you will have several violations to use as incentive for deleting. Good Luck, humblemarc
