Ok, I am working with a mortage broker to try and get a house in nov. Problem number 1. still have some items on my credit report that I cannot get removed. One is a ph. that was taken out in my name but, is not mine. The collection agency does not want to remove it no matter how I dispute it. Next, is Providian and merrick bank which I have requested validation and they just sent me back a letter stating that they verified my address and social. Last, is 30 day lates with sears sent goodwill letters and no luck.
Have you attempted disputing directly with the CRA's? That would be my first step while simultaneously requesting validation from the CA's. If the CA's verify with the CRA's during the period you request validation and they have not sent you validation then you have them on a violation that you can use as leverage for a deletion. You will not get validation from Providian or Merrick Bank as they are OC's. Again in this case I would dispute directly with the CRA's. Hopefully this helps.
If the providian and merrick are not with CA's, validation does not seem to do any good. Dispute with the CRA's. If they come back verified, ask for the specific procedures used to verify the info. Phone #'s, people's names, info discussed, etc. There a some good procedural request letters on this site.
I have disputed with the cra and both came back verified. Requested validation and got a letter a month later stating both were valid. I will send a procedural request letter but, how much will that help.
