Re: Re: Re: Re: Transunion sent me a letter today Originally posted by lbrown59 ============= So why are the CRAs so desperate to hang onto false information on reports? ~~~~~~~ I know you know....
Re: Re: Re: Re: Re: Transunion sent me a letter today lbrown- ...just because I'm paranoid doesn't mean they're not out to get me... Just a quick thanks to you & the other cnetters putting forth your time & knowledge. And SCREW the nit-pickers. Your signature full-o-links was helpful...
Transunion letter today SOUTH PARK DIVA 1*The CRA's are not stupid. They keep seeing the same letters written in exactly the same way. People don't personalize letters they just grab a standard validation letter and send it. 2*Why not just dispute online using each CRA's online form? Wouldn't that be easier? 3*Another thought is they could be cracking down on people trying to dispute accurate information especially if you've done it previously. 4*They are not going to delete accurate information unless you're close to your 7 year limit. 5**Please note that I said accurate information* ==================================== 1*A VIOLATION IS A VIOLATION - Compliance is required independent of the type or form of letter sent 2* Easier but at the loss of a paper trail. 3*You have the right to dispute all information not just incorrect information 4* Wouldn't wanna bet on it. 5*So let them prove it's accurate. """""""""```~~~```'""""""""" THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Transunion letter today 2*Easier but at the loss of a paper trail. 3*You have the right to dispute all information not just incorrect information 4* Wouldn't wanna bet on it. 5*So let them prove it's accurate. ==================================== 2* Whenever you call the CRA's you get a special ID#. U can refer to that number as proof of your call. All calls are recorded by the bureaus & u should also record your own calls to the CRA's. There are a number of inexpensive devices made for recording calls that plug into your phone line. 3* I agree but at what point do you stop? The bureaus will only allow u to dispute the same verified item a couple of times. Don't think they don't flag the worst offenders who continue to dispute correct information. You're not soing yourself any favors. 4* & 5* They do prove it's accurate by verifying with the CA's and OC's. If you already know it's accurate and the CRA has already verified it, how does it benefit you to keep disputing it?
Re: Transunion letter today A FORM LETTER from a consumer is WRONG??? But a FORM LETTER from a CRA is OK???
Re: Re: Transunion letter today Damn good point. They want a Form letter filled out because it's layed out well, in a logical order, and makes sense to them, easy for them to understand what's at issue and what's at hand. But, the consumer is not allowed to use the same literary constructs? If I see a sample letter, and I like the way it's layed out, it's in a logical order, strictly specifies the issues at hand, why can't I use it? (Of course, substituting in my own personal information) Do the CRA's have a monoply on written forms of communication now as well? FedUp2003
Re: Re: Re: Transunion letter today All valid points, but the point of the original poster, I believe, wasn't that you aren't "allowed" to use one, but rather that it hurts one's cause. It may stand out to the CRA as coming from one of a group of people who they see as mass validating all items, and hence they may give it less credibility. SHOULD they? No, and legally it doesn't matter an iota, but the point, I believe, was simply that you'd probably have more success if you didn't get lumped in with that group. And I would agree, although my experience is admittedly limited. One still has all the same legal rights and remedies, but given the choice, I'd rather have success on the first request and not have to fight for it. Just my .03 worth (inflation).
Re: Re: Re: Transunion letter today And SCREW the nit-pickers. Your signature full-o-links was helpful... Coda33 | ================ At least we know who the Donkeys are don't we? THE END ** *** ** LB 59 """""""""```~~~```'""""""""" http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=49849
