I have been trying to have a charge-off removed from my credit report. I have requested validation from the CA â?? Sherman Acqusition â?? three times, beginning five months ago, with no response. I then set copies of the letters and the US Post Office return receipts to the credit bureaus, showing that Sherman did in fact receive requests for validation from me and requesting that the credit bureaus delete the charge-off from my credit report. The credit bureaus, however, refused to delete the entry, saying that Sherman had provided them with validation. But Sherman never provided me with validation! Not knowing what else to do, I decided to settle with the Shermanâ?¦ But now Iâ??m having second thoughts about what a settlement will mean for my credit rating. What should I do next? Should I go ahead with the settlement just to get it over with? Should I sue Sherman? If so, how much should I ask for? I donâ??t want any money from them. I am willing to pay the settlement, but they have refused to have their entry deleted from my credit report even if I pay them. Will suing them have any positive impact on my credit report? If I â??winâ? the suit, are the credit bureaus required to delete the entry? Do I actually have any legal basis for suing them? Any advice would be greatly appreciated. Thanks.
Any advice would be greatly appreciated. Thanks. Nook_Rich ******* ====================~~~~~~~~~~~~ NEW MEMBERS READ THIS. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 ************************************************************
NEW MEMBERS READ THIS. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 ************************************************************ 1*I have been trying to have a charge-off removed from my credit report. 2*I have requested validation from the CA â?? Sherman Acquisition â?? three times, beginning five months ago, with no response. 3*I then set copies of the letters and the US Post Office return receipts to the credit bureaus, showing that Sherman did in fact receive requests for validation from me and requesting that the credit bureaus delete the charge-off from my credit report. 4*The credit bureaus, however, refused to delete the entry, saying that Sherman had provided them with validation. 5*But Sherman never provided me with validation! 6*Not knowing what else to do, I decided to settle with Shermanâ?¦ But now I'm having second thoughts about what a settlement will mean for my credit rating. 7*What should I do next? 8*Should I go ahead with the settlement just to get it over with? 9*Should I sue Sherman? 10*If so, how much should I ask for? 11*I don't want any money from them. 12*I am willing to pay the settlement, but they have refused to have their entry deleted from my credit report even if I pay them. 13*Will suing them have any positive impact on my credit report? 14*If I â??winâ? the suit, are the credit bureaus required to delete the entry? 15*Do I actually have any legal basis for suing them? Any advice would be greatly appreciated. Thanks --------- Nook_Rich | ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ 1* 2*Send them the estoppel 3* 4*1000 violation by the CRA. for failing to consider your info.They also proved a 1000 violation by Sherman. 5*That's why you have the CA on a violation they validated with the CRA instead of with you! 6*A settle will mean your stuck with the Neg. for 7 years 7*see # 2 8* If you don't mind it taking 7 years to get it over with. 9*15 days after they get the estoppel letter if they haven't validated. 10*1000 per violation 11*Ya d0 if u don't want this on your reports. 12*THEN you're not-willing. 13*That's why u sue em. 14*Why sue them other wise? 15*Lots of them.
lbrown, thanks for the response. Actually, I have already sent the estoppel about two months ago, with no response. Now I'm ready to sue the CA in small claims court. I'm planning to claim $2000 for the following violations: FDCPA 15 USC 1692g Validation of Debts 1692e(8) Communicating False Credit Information Based on the situation I described earlier, are these claims accurate, and are there others I should be making? I am planning to ask for $1000 per violation. Thanks in advance for your help.
