Hi all. I posted sometime ago about a repossesion account that I have since 5/98. Here are my questions (bear with me). 1. Ford Credit is currently reporting this item. They will not accept any type of settlement, just refering me to collectors. Is this legal? 2. I have sent a validation letter to the collectors certified mail, in this case a lawyers office, with no response. Since they are not the ones reporting it, am I wasting my time? I have also received another copy of my report, and the account does not state anywhere that it is in dispute. Is this legal? 3. What do I do now since my first letter got no response (been 32 days)? Is there anything I can do now? Off the subject, I had disputed 4 old charge off accounts ($0 balances) and a 90 day late on a CC. They deleted them all! Even the CC that after the late was in good standing. Not that I am complaining but they deleted an open, valid CC account. Will this be reported again after next months payment? Thanks in advance guys, everyones advice is priceless on here. Im getting there, slowly but surely.........
