I already asked the following question but was told I had to start a new thread. So, I'm cutting and pasting the same thing I already said. Sorry about this.. I am a big lurker here and now have to ask a question or two. Background: I disputed with all 3 CRAs using "not mine" (even though they were). Some things fell off, some were verified. I then redisputed the ones that were verified using "Discharged in BK". When these were verified again, I sent the creditors all validation request letters. Again, some were deleted. One was validated but most of them didn't respond within the 30 days. Do I now send the estoppel by silence letter? Do I have a right to do this even knowing that I really am responsible? Do I now send a procedurals letter to the CRAs or just go ahead and threaten them with a law suit? I really would like to sue a couple of creditors for big bucks so I'm not afraid to take them to court. Most of the creditors are reporting incorrectly, showing balances due and charge offs when, in fact, they were all discharged in BK. Two, inparticular know they are messing with me and I really really really really want to get money out of them. My problem with all this is that I first disputed as "not mine." Can they come back at me in court and tell the judge I lied? I rambled, didn't I? Sorry. In short, I would like to use the estoppel by silence letter and try to get stuff deleted but not sure if I can without repercussions. Is all fair in love and credit repair? Thanks, neenersan
I really don't want to go into too much detail on the board because I know "they" watch us and I'm getting ready to file suit. My question was about using the estoppel by silence and if I could use it if I originally claimed the accounts as not mine. I live in Califormia. There are several creditors who did not respond to my validation requests but I don't want to sue those. I just want them to remove the TLs. The ones I want to sue will, hopefully, bring me more than $110k. Thanks for any help Neenersan
