Final CHOD Results: EX: 8 items disputed, 5 deleted (1 judgement, 1 tax lien, autobond acceptance corp X 2, AT & T Wireless). My BK 13 and Verizon Wireless were verified on the last day of disputing Monterey Collection Services MUST be related to CAP1 (they verify no matter what you do ... BTW, this is a paid CO I have been trying to get rid of since I came on CN) EQ: 14 items disputed, 1 deleted (Collectech), 2 pending until 1/6/03 (Diners card included in BK) Funny thing is most items was supposedly verified a day or two before the result date. I hate EQ ... TU: 5 items disputed, 3 deleted (Verizon Wireless, AT & T Wireless, Collectech). FCNB and Household verified. Not bad, but I should have sent in my most difficult stuff with TU during CHOD. Funny, Autobond Acceptance was deleted on EX (both accounts), but verified on EQ. Also, Verizon was deleted on TU, but verified on EQ & EX. Finally, the same judgement on that was deleted on EX is VERIFIED on EQ... Did I mention I HATE EQ ?
Re: How can we post CHOD results?? On one report, judgment and collection deleted. 2nd report, still waiting for results. Did not dispute the 3rd CRA, lazy... :O(
Re: How can we post CHOD results?? Still waiting on some disputes I started on the 5th of December with Equifax. I got a GOOD TL deleted off of TU by accident (disputed wrong account number)
Re: How can we post CHOD results?? TU: 3 removed, 1 changed to never late, 3 remain EQ: 6 removed, 2 changed to never late, 3 remain EX: 5 removed, 2 changed to never late, 2 remain I have EQ on a FCRA violation on one. It's over the 30 days, even with the extra they give themselves.
Re: How can we post CHOD results?? WOW! TU was good to DH! According to NotWorthKnowing.com....... since 2 days ago........ 2 collections, 1 charge off, and 1 settled for less than full amount .......... GONE
Duped twice by EXP EVIL EXP's first response to my dispute was "not enough information to investigate." So, I sent a letter to EXP requesting they comply with FCRA and investigate my dispute, because I DID provide sufficient reason for EXP to investigate. Well, they then responded "already investigated." EXP really leaves me with no other choice but to file a claim against them. I can only hope they defend their claim the same way they have investigated my disputes (past and present).
not too shabby Well, my results have been mixed. -deletion for double inquiry -faxed letter from Fst Mdwst Bk deleting paid off tradeline with lates. btw, we were never late and we are still waiting for the deletion -CA sent partial validatio; i'll probably pay with restrictive endorsement fro deletion -one CA sent a 'we don't remember ever talking to you about this account before and we don't respond to letter like this" letter meaning validations. This one could get juicy. I am going for a 3rd round validation request with spice! -sallie mae sent a request for a copy of my credit report when i sent them the nutcase letter for a student loan that they transferred but reports 90 late on 2 tradelines. I don't know what to do there. -was approved for my first big line cc for 2k with carter lumber and $500 with orchard. Time to build it up!!!
Re: not too shabby If I understood this, you are sending out a 3rd validation? Why? Send a demand/intent to sue and follow through. Their letter will hang them.
Re: not too shabby I was always confused about that. When I did my first round of validations early last year, I sent out 3 validation requests and then I never had to get to the intent to sue. I think that your strategy is better especially with the medical bill CA who doesn't want to respond. The thing is that when I sent out the first letter, they deleted and later, they reinserted which prompted the second letter. I felt like I was starting over with the process. I will get my letter together and then let you guys know what the results are.
Re: How can we post CHOD results?? TU was good to ME, too Basically, if we asked for it to be gone on TU........ it's GONE! I didn't ask for enough, I guess ;-) EQ verified one collection - for a parking ticket my DH got. HUH??? How do they figure that's joint??? They still have one chargeoff under investigation (so what if it's past the 30 days, right?) but everything else is gone. EQ still has all of DH's stuff under investigation, the investigation status page says that it should be done on the 6th (past the 30 days, too) EXP removed 1 collection and 1 chargeoff for me, and 1 chargeoff for DH, verified the rest.
Re: How can we post CHOD results?? A sticky paid collection for $75 disappeared. We'd been through everything up to and including intent to sue the CA. Filed the suit but couldn't get it served. (long story). Have been trying to get rid of this stupid thing for almost a year. TU said they wouldn't investigate, but it disappeared anyway. EX refused to investigate the two previously self-verified released liens. They're now the only thing keeping us from 6 clean reports. DemPooches
Re: How can we post CHOD results?? i hope that they removed something that they told me they wouldn't investigate...
Re: How can we post CHOD results?? Chod was ok I guess: Experian: Lost 1 chargeoff Equifax: Lost 2 chargeoffs TransUnion: Lost 4 student loans, 1 bad car loan, and 1 chargeoff -Sal
Re: How can we post CHOD results?? hey sounds good to me, something is always better than nothing.....
Re: not too shabby The Kid is gone, I am back. ======================= Rite: Why send them another val. to ignore when they already have 2 to ignore?
Re: not too shabby EQ is soooo wierd! before chod they deleted 2 very nasty charge offs from AMEX that during chod ex and tu "verified' during chod nothing was deleted!! On another note, CAP1 and Providian ALWAYS get "verified" at all CRA's. Maybe they pay more for this service ?? lol
Re: not too shabby Equifax: verified: 7 items deleted: 2 Household Bank, Asset Acceptence (providian) Changed: repo changed to paid in full! still reporting mulitple lates and I8 rating OD
kalinka, I am trying to dispute my mortgage as never late. after thirty days. How did you work the lates out with your mortgage company? mine says that they will review if they will put the amount I owe back in to the principle. Mean while they reported me late. So sad about htis only negative on my report besides capitol one ;. (
I had repeatedly disputed all my derrogs. My results: All collections have been deleted. BK7 deleted 30 day late on Chrysler deleted. The remaining derrogs are: BK13 (1/98) 1 pd coll on EQ and EX 2 was late on closed cc accts EX only. I am now officially a member of the 600 club!
tonyastime: I think I was just lucky and caught them off guard during chod or maybe it's because it's a local S&L that still services it's own accounts. They didn't challenge my "never late" dispute and both TU and EXP changed it to "never late". EQ is "still investigating" because I forgot to include this dispute with so many others I mailed during the beginning of chod and I disputed it online in early december. So far it's still showing "under investigation".
