Hi all, well I just got the results of my first dispute. I disputed 7 derogs with EX. Here's how it reads on the results summary... Summary of Investigation Results PARK DANSAN Account Number: xxxxxxxxxx Outcome: Updated CREDIT CONTROL SERVICE Account Number: xxxxxxxxxx Outcome: Updated GULF STATE CREDIT LLC Account Number: xxxxxxxxxx Outcome: Deleted GULF STATE CREDIT LLC Account Number: xxxxxxxxxx Outcome: Updated WARREN PROPERTIES INC Account Number: xxxxxxxxxx Outcome: Remains SOUTHWEST COLLECTION S Account Number: xxxxxxxxxx Outcome: Deleted PROGRESSIVE MGMT SYSTE Account Number: xxxxxxxxxx Outcome: Updated My questions are, 1) What's the difference between the 'Remains' and 'Updated' result? They both stay on my report, right? 2)What does 'Updated' mean? Does it mean that it verified, and that it can not be removed? 3) The ones that 'Updated', how do I get rid of those? Of the 4 that 'updated' I know that I've paid, at least, two of them, maybe all. Should I re-dispute those updated ones right away, or wait the requisite 3 months? Or, should I send validation letters to the OC or the CA? Thanks everybody for all of your help and guidance. If it weren't for finding this place, it never would've occured to me that my credit reports might have erroneous info. I know, how naive am I?
My questions are, 1) What's the difference between the 'Remains' and 'Updated' result? They both stay on my report, right? @@@Remains means the item was verified as yours and will stay on the report. 2)What does 'Updated' mean? Does it mean that it verified, and that it can not be removed? @@@Updated can mean a lot of things. If you disputed as never late, it could mean the prior paying history has been updated. Or it could mean the OC or CA changed a date or balance on the account. It will stay on your report though. 3) The ones that 'Updated', how do I get rid of those? Of the 4 that 'updated' I know that I've paid, at least, two of them, maybe all. @@@You can always dispute them again. Should I re-dispute those updated ones right away, or wait the requisite 3 months? Or, should I send validation letters to the OC or the CA? @@@I would send the validation letters out now. As soon as the CAs receive them, dispute again and see if they verify. If they verify and don't list the item in dispute, you have them in a violation.
If you already disputed a paid collection (in other words, dispute it first), and it remained, then try the nutcase letter. Look in the unofficial FAQ on this site for samples of the nutcase letter... you'll be able to customize it to suit your specific situation.
I'm gonna send the nutcase letter, because I just noticed that the CAs tradeline is wrong. It says that it was legally paid for less than the full amount, which is not true. Re the nutcase letter.. Is this line necessary? "I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driverâ??s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement." If it is, will other documents suffice?
Re: Results of my first ever disput Hi ladycd here new to this board with lots of questions. I have got an acct added on to my EX and TU reports that used to there back in 99-2000 now they are back with new acct# and new open dates of 2002 the old acct number and the new acct# are totally different byt same balance. I disputed as a re insertion but they said no this is a new acct. What do I do now. HELP PS This acct never said in dispute on my report
Re: Results of my first ever disput Hi Ladycd, On the front page at the top you'll see a button that says; "Post." This is so you can have your own thread. Here, you're on someone elses. Welcome to the board. .
Re: Re: Results of my first ever disput It's a customary in this board to not cross each other's threads. Start a new thread with your questions, so we can better help you. Excluding any personal information, tell us as much as you can about your problem. Welcome to the board ...
