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Think I messed up...TWICE!

Discussion in 'Credit Talk' started by whyspers, Mar 3, 2002.

  1. Mar 3, 2002 #1
    whyspers

    whyspers Well-Known Member

    The first mistake was sending a validation letter to an original creditor back before I understood that the requirements were different for original creditors. A nice lady sent me a letter asking for the acct. no. or my ssn, so I sent her my ssn. She just sent me back a printout. At this point, I figure I've messed up, but apparently she doesn't know that...so not to push my luck, I sent her back a letter stating that I appreciated her sending the printout, but that wasn't what I was looking for. I went on to quote the Wollman letter a little and then said that I knew this was a small balance and was going to fall off my report in under 11 months, but I would be willing to pay without any proof that I owed it just to get rid of it if they would agree in writing to delete it immediately. I then thanked her for all of her assistance.

    What would you have done?

    Also, in my second round of errors, (I just realized I made them after reading Jim's deleted CH. 7 thread), I disputed entries on my husband's report as not being chargeoffs, but rather included in BK. I specifically said this on EQ and EX's dispute letter, but on TU I just said they were wrong and to please update them to their correct status or delete.

    Is there any way to redeem the situation? Afterall, it seems I just verified for EX and EQ that the bk was correct. Its very possible there are errors in the reporting of it, but what now?

    Thanks!
    L
     
  3. Mar 3, 2002 #2
    lg

    lg Well-Known Member

    whyspers what a good thread. i have been reading post after post today. i just sent my investigation request via credit manager on EQ. I just put

    "I have never filed a bk with 0 liabilities. Please delete"

    lets see what happens
     
  4. Mar 4, 2002 #3
    OtherTerri

    OtherTerri Well-Known Member

    I also sent a validation letter to an original creditor last fall. They sent me the same kind of letter.

    I did not respond. I am not sure what to do either. I was thinking maybe I would just ignore it as not validated, and try to get it removed like a ca account, but not sure that will work.

    Hope you get an answer. I am anxious to see advice about this situation.

    Good Luck! Hope you get it all worked out.
     

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