I am starting to dipute some items and i am going to do it online. i have 2 TL from AVCO and i need to know how i should go about this. here is the info avco finance acct#xxxxxxxxxxx date opened:08/01/1995 date reported:01/01/1998 status: late 120 days past due; $351 installment balance:1571 high balance:1952 condition: open 1-30 day 1-60 day 27-90day avco finance acct#xxxxxxx(the numbers are the same except for 1 number) date opened:04/01/1995 date reported:04/01/1998 status: collection chargeoff past due 1221 remarks:charged off as bad debt profit and loss write off no payment history installment balance;1221 high balance:$0 condition: derogatory this is one account which is being reported as 2 with different balances. actually this TL is included in our ch7 bk. and the balances are hurting us i know since they say open. so should i dispute this as not mine first or included in bankruptcy? there is already stuff that is included in bk on the report and our bk was dicharged n 4/98 so alot of the info will be going off report next year
I have read a few posts stating and I have tried it also and it has worked to dispute not mine but add to it and tell them that you do not have an account with "xyz" with a "???" balance. This way it is not an auto verification this needs to be looked into in more depth. It is also true, since you filed on this company you don't have a balance with them, it was wiped out. Good luck! My Ch7 was discharged in Feb. and I have had pretty good luck disputing so far, not as great as I'd like, but it takes time. Missi
