Does a creditor that you have filed bankruptcy on HAVE to respond to validation letters? I got quite a few bk accounts off by saying I had no knowledge of the account, there are some stubborn ones so I sent validation letters, 30 days, no response and no deletions from my credit reports.
Folks.... I'm seeing this more and more on this board. Be sure you know what you are doing before you start sending out letters. When you send the wrong letters to the wrong people, you give yourself away as someone who is being incorrectly coached. You will not be taken seriously once that happens. I'm not trying to belittle anyone here but please be certain you are going about your repair properly or you risk not being taken seriously, further hindering your efforts.
Well, perhaps if there were more posts when people ask questions then some of us wouldn't be in this position, everyday you see it here, people deseperate for help, but their posts are never answered. However, a post about financing breast implants rates two pages. Silly topics rate more responses than someone who really needs help. I did not mean a "validation" letter per se, I meant I sent them a letter telling them that the entry on my reports was wrong and to please correct it. I was hoping that the accounts were so old they wouldn't have any information and would delete. Would that not be, in a sense, a request for validation? I can do without the smart ass comments, obviously I am not doing too badly, I had 30 negatives on each report am down to 10 each. Carry on.
I posted something similar to what you just said, iamsamiam, but deleted it in the interest of not starting anything. I have noticed a lot of people posting for help and the only responses they get if any are from those who know about as much as the person posting. There is a lot of info here, but you really have to dig for it...not necessarily a bad thing and definately worth it, but a lot of work and sometimes you make mistakes because you aren't clear on some things. I would love to understand how this BT thing works, for example, and how to go about getting your interest rate lowered, etc. and what position your account should be in before you ask...but have decided that I can only dig for one thing at a time, so right now I am focusing on getting all the derogs off my CRs. I hope someone answers you with good info. If no one answers the first time....try, try again. Persistence pays off L
Went back and read all the post on this thread.Didn't see any such comments. What are you talking about?
Exactly what are you trying to accomplish? If a BK is on your CRA's and the accounts listed on your BK are shown as discharged in BK,than they are in the public record and no amount of trick "validation" letters will get them removed before the 7 years are up.The fact of your BK will of course stay on for 10 years. The idea of trying to remove an item from your CR's that is public record is nonsense.
Validation may not get them removed, but simple disputes to the cra's have gotten me several judgments and a chapter 13 bk removed.
Well, I see what you're saying and it might work. If you're willing to lie, then you could try to bluff into a creditor removal if they don't have proof of the debt. You could also do a "not mine" with the bureaus and it'd be a crap shoot whether or not it got off that way from lack of verification. If you took all your old addresses off (attached to the bk) you'd have a better shot because you'd take an identifier off the file. Of course, you couldn't push it to a lawsuit because the first thing either a creditor or cra would do is pay for a copy of your bk filing and prove with your own bk filing and signature that the account is yours because you included it in the bk filing. so you can huff and puff and maybe intimidate someone into directly removing the trade line... but you'd have no wind in the lawsuit if they don't just cave on the threat of lawsuit. doing disputes during the holidays yields results because everybody is understaffed... as a final plan you could find something real to dispute on the trade line... dispute it, ask for a procedural description, not get it, and sue over that. But I wouldn't start a dispute as "not mine" if it is... and you want to push a real lawsuit. Unfortunately, by the very nature of a bk, it provides the proof to hang you if you try a lawsuit. So you'd have to catch them on a procedural issue (the cra) as a last resort.
Thank you Marie for being the only one to post anything helpful. I am not intending to sue anyone or catch anyone on a violation, I was just trying to baffle them with bullshit, I did not claim the accounts were not mine, I said they weren't reporting correct information and asked for a deletion. I have had plenty of success getting bk accounts removed, I just have a couple that keep coming back as verified. Whychat, you are the one who has posted "nonsense", there are hundreds of posts on this board from people saying that they have got bk accounts and the bk's themselves removed, so why don't you know what you are talking about before you post?
I have had success at getting some of the accounts off through disputes. I have sent letters to the original creditors, but only to those that were reporting the accounts incorrectly and the accounts came back verified after CRA disputes. I had some Household accounts reporting the wrong Chapter BK, I had others reporting as open with lates after the BK discharge, and I even had one that reported I just filed the BK three months after it was discharged along with lates. These were clear violations of FCRA and BK statutes. When writing the creditors directly I never did a "not mine" as what I truly needed were the accounts corrected. I have had one account totally deleted per the creditors instruction. I have had two others deleted mysteriously. Two accounts were moved to positive status because I had re-affirmed them. These were all due to my communication with the creditor. I decided to write directly to the creditor because these accounts were being questioned on the two occasions I was trying to get installment loans post BK. The loan officers told me that because these accounts were so incorrectly reported, it delayed my loan approval. I still have a couple accounts on two reports that the CRA refuses to update, so I will try one more time and then end up going to court with those CRA's. Validation letters post BK I wouldn't mess with unless there is an account you really have no knowledge of and you want to validate it is really yours. One of my creditors actually sold their card business to another bank while I was in the middle of my BK so I did have one with a "not mine" question. If you find errors on the accounts, you will do better dealing with the creditor directly than the CRA in getting the accounts corrected. However, if you are hoping for a total deletion, you are best disputing through the CRA.
It is probably true that some bs works sometimes with some people.However,in my opinion,there are enough REAL errors and REAL fraudulent entries on people's reports for an army to battle with validation/verification/dispute and even "psycho-doc" letters.For the honest,hard working people who have legitimate reasons to clear their reports I say "go to it" use every trick in the book. For someone who is trying to beat the system with smoke and mirrors,just because they think they "deserve" it,and can get away with it, I say "nonsense" because what I really mean is unpostable.
I have lived for 7 years in credit hell. Thousands and thousands of dollars worth of medical bills I could not pay, I had everything and lost it all because I had to file bk to get away from the medical bills. I have more than paid my price, and I really do not give a SHIT what you think about me. Your opinion is nothing. If you condem me then you better condem half of the people who frequent these boards for they have all done the same types of things I am doing. How many posts are up now about beating collection agencies for debts that DO belong to the poster, yet, because the ca cannot validate them they are all up in arms wanting it deleted? In other words, piss off.
