I'm about to send out my first validation letters to the CRA in reference to 3 chargeoff's. Are there any does or don'ts that I should take special note of . I'm a beginner with all this and I don't wanna make any mistakes. This is the right course of action? Also I wanna say this board is a god sent. I'm learning alot and even tho all my past credit problems will become 7yrs ole in the next couple months, this board has inspired me to stop waiting and take my destiny in my hands. Thanks to all who take time to help ppl like me with valuable information.
Good idea. Have you read the FAQ and searched the board for ideas in reference to your situation? The one thread from the FAQ to scan (if you were to scan only one) would be http://consumers.creditnet.com/straighttalk/board/showthread.php?postid=193389 Which is a thread about some common mistakes others have made. But knowing what NOT to say is crucial in your credit repair journey. Much, much more important that what you think that you SHOULD say. So heed the mistakes of others well. Good luck with your disputes! -Peace, Dave
things i almost forgot to do that I think are important (im sure I will hear about it if they are not): write/type the certified mail number on any letter you send make a copy of the letter Im new to this myself, just sent out my first validation letter today.
I always include the CRRR # and make a second copy. Once I get the Certified Mail Recipt postmarked, I staple it to the second copy and when the "green card" comes back I staple it to the second copy as well. I then file it in the folder for that agency. I'm also logging every call, letter (sent & received), credit report, etc in an Excel spreadsheet for reference if needed. Someone also suggested keeping the envelopes for anything you receive. I also make copies of my CRs for a "work document". I keep the originals in a file for that CRA.
