Pretty impressive, huh? lol. The good thing is I only have the Chase, Capital One, IC Systems, JC Penney and Sears left on my EX after 2 disputes. Now if I can just get the same results with my EQ and TU. Any more suggestions? CHASE MAN NA Acnt#: 981461316000 Installment Account Automobile Updated: 02/2003 Balance: $381 Participant on Account Opened: 05/1998 Most Owed: $7513 Payment Terms: 54 Monthly $174 Closed: Past Due: $374 Credit Limit: $0 1995 FORD 4005 >Status as of 02/2003: 90 days past due< >In prior 48 months from last update,<> 4 times 60 days ,20 times 30 days late< >Maximum delinquency of 90+ days occurred in 02/2003 < SEARS Acnt#: 1150003386655 Revolving Account >Purchased by another lender< Charge Account Updated: 02/2003 Balance: $0 Individual Account Opened: 11/1999 Most Owed: $673 Payment Terms: $0 Paid Off: 05/2000 Past Due: $0 Credit Limit: $400 >Status as of 01/2001: Collection Account< CAPITAL 1 BK Acnt#: 4121741612813423 Revolving Account >Profit and loss writeoff< Credit Card Updated: 12/2002 Balance: $840 Individual Account Opened: 10/1999 Most Owed: $143 Payment Terms: $0 Closed: 02/2001 Past Due: $840 Credit Limit: $0 >Status as of 02/2001: Charged off as bad debt< PORTFOLIO RC Acnt#: 5458005602217429 Open Account >Profit and loss writeoff< Factoring Company Account Updated: 12/2002 Balance: $1630 Individual Account Opened: 09/2001 Most Owed: $1630 Payment Terms: $0 Closed: 01/2001 Past Due: $1630 Credit Limit: $0 DIRECT MERCHANTS CREDIT CARD B >Status as of 01/2001: Charged off as bad debt< MERRICK BK Acnt#: 4120611008183940 Revolving Account >Profit and loss writeoff< Credit Card Updated: 12/2002 Balance: $661 Individual Account Opened: 04/2001 Most Owed: $768 Payment Terms: $0 Closed: 10/2002 Past Due: $661 Credit Limit: $0 >Status as of 10/2002: Charged off as bad debt< COLLECTION RECORD I C SYSTEM Acnt#: 4201047521 Open Account >Account information disputed by consumer< Updated: 11/2002 Balance: $390 Individual Account Placed: 08/1999 Most Owed: $390 VERIZON Closed: Past Due: $390 >Status as of 11/2002: Collection Account< COLLECTION RECORD I C SYSTEM Acnt#: 4205567222 Open Account >Account information disputed by consumer< Updated: 11/2002 Balance: $87 Individual Account Placed: 07/2001 Most Owed: $87 VERIZON Closed: Past Due: $87 >Status as of 11/2002: Collection Account< COLLECTION RECORD ARROW FINCL Acnt#: 14859102 Open Account >Placed for collection< Updated: 11/2002 Balance: $260 Individual Account Placed: 07/2002 Most Owed: $198 A F S ASSIGNEE OF JC PENNEY Closed: Past Due: $198 >Status as of 11/2002: Collection Account< NEXT CARD Acnt#: 4259950002122220 Revolving Account >Purchased by another lender< Credit Card Updated: 08/2002 Balance: $0 Individual Account Opened: 04/2001 Most Owed: $768 Payment Terms: $0 Paid Off: 11/2001 Past Due: $0 Credit Limit: $700 >Status as of 04/2002: Charged off as bad debt< BANCO POPULR Acnt#: 4357660201271063 Revolving Account >Purchased by another lender< Credit Card Updated: 11/2001 Balance: $0 Individual Account Opened: 10/1999 Most Owed: $1630 Payment Terms: $0 Closed: 06/2000 Past Due: $0 Credit Limit: $1000 >Status as of 06/2000: 120 days past due< >In prior 09 months from date closed,<> 2 times 60 days ,2 times 30 days late< >Maximum delinquency of 90+ days occurred in 06/2000 < MCCBG/JCPENN Acnt#: 917739260 Revolving Account >Profit and loss writeoff< Charge Account Updated: 03/2001 Balance: $198 Individual Account Opened: 12/1999 Most Owed: $198 Payment Terms: $0 Closed: 12/2000 Past Due: $120 Credit Limit: $200 >Status as of 12/2000: Charged off as bad debt< ASSOC/CITI Acnt#: 4621201022596915 Revolving Account >Profit and loss writeoff< Credit Card Updated: 10/2000 Balance: $1069 Individual Account Opened: 10/1999 Most Owed: $1069 Payment Terms: $0 Closed: 10/2000 Past Due: $149 Credit Limit: $500 >Status as of 10/2000: Charged off as bad debt<
I am a newbie but here is a game plan that I have used when clearing my credit report. Also I am including steps that I did not take when I initialing started. Sign up with Credit Expert and Privacy Guard. www.experian.com and www.privacyguard.com Cross reference which baddie shows up on all reports. Pick a credit report. Clear the names, and old addresses. Also, clear the old addresses associated with those baddies. Clear old telephone numbers and employment. In fact, let the old employment stand on the report. This will prove important Only have 2 addresses listed. (my recommendation) Before you begin, check your state's Statute of Limitation for Collecting. Also check to see if your state requires that CA be bonded in your state. Read all posts both old and new. Especially read Psychdocs credit repair primer and FAQ's, know it, understand it. Read the FTC, FCRA and FDCPA. Once you have read. Ask for next steps. Your thought process should be, what would be easier to remove? Would any of these jerkoffs except settlement or do you even want to pay them? If they accept settlement, how to ensure that they don't screw you in the end? Will a goodwill letter work for the late pays? When is enough an enough and should I move on to the next report? Can I incorporate some of my strategy on this report for the next one. (That is why I do one report at a time)
Can I jump in here? What's the benefit of disputing old addresses? and is there a generic form letter to use? If so, what's the link? Okay, back to the regularly scheduled topic.... Tricia
SOME SAY...if a "BADDIE" is tied to a VERY OLD ADDRESS...get rid of the address...then dispute the "BADDIE" as "NOT MINE" there is a very good chance (better than 50%) that it will go bye bye...
Oh very cool. I like the idea of that. Thanks! So is there a letter for that? Or just a "Dear Sirs, this address is not mine?" Do I need to include a current utility bill, i.d. or something?
Yes, for Equisux and Transunion you can fax it in or call. For Evil Exp, you can call to remove old addresses. Clear up the small things and then attack the large stuff.
I see that IC systems is the assignee of debt from JC Penney, I think that you should request validation from IC systems, dispute with EX,Transunion, and EQ as not mine. Do all of these as certified, when the green card comes back, whether you get a reply or not for validation, send a letter to EQuifax, that how come they refuse to re-investigate or how come they can validate when you, the alleged consumer can't get any information? This normally makes them nervous. Also, send a nice little copy of a letter that you are going to send to the State Attorney General and FTC. This makes them nervous too. I am under the impression that these cra do not investigate. If they really did do investigations, most of this crap on your report wouldn't be there to begin with. Don't you think they would have asked IC systems as an assignee to list once with a total amount instead of twice. Check out the form letters, cut out the legal jargon and go for the jugular. Pray that they will pull a CRA from you, get them for non-permissable purpose. Go and check your reports and see if they did it anyway. That is like an automatic $1k per report per pull. (a good tool to use when validating)
