WELL I GOT MY FIRST ROUND RESULTS BACK, 6 OF 14 DELETED. 6 VERIFIED, NO CHANGE; AND 2 NEW INFORMATION BELOW. I DISPUTED EVERYTHING ONLINE WITH TU AS NOT MINE AND ONE I WAS NEVER LATE (ON MY NOTE FOR MY HOUSE, CAME BACK VERIFIED) I HAVE INCLUDE A SAMPLE OF SEVERAL DIFFERENT TYPES OF ACCOUNTS THAT ARE ON MY CR THAT I WOULD LIKE TO DISPUTE AGAIN. I WOULD LIKE TO HEAR EVERYONES THOUGHTS ON WHAT THEY THINK IS THE BEST WAY TO GO ABOUT FOR THE SECOND ROUND. AS FOR THE SECOND ROUND I THINK ITS BEST TO DO A WRITTEN VERISION OF THE NOT MINE AND WHAT THE HELL ARE YOU TALKING ABOUT DISPUTE. AS FOR THE ONE COLLECTION ACCOUNT IM GUESSING I SHOULD WRITE A VERIFACATION LETTER TO THEM FIRST. 1. DISCOVER IS REPORTING PAYMENT AFTER CHARGEOFF/COLLECTION (THIS WAS INCLUDED IN MY BK HOWEVER NO MENTION OF MY BK WITH REGARDS TO THIS ACCOUNT ON MY REPORT) THIS CAME BACK WITH NEW INFORMATION BELOW. 2. 1ST USA BANK ACCOUNT INFO DISPUTED BY CONSUMER CHARGE OFF AS BAD DEBT (THIS WAS INCLUDED IN MY BK HOWEVER NO MENTION OF IT IN MY REPORT WITH REGARDS TO THIS ACCOUNT) 3. CHASE PROFIT AND LOSS WRITEOFF CHARGE OFF AS BAD DEBTS (THIS WAS INCLUDED IN MY BK HOWEVER NO MENTION OF IT IN MY REPORT WITH REGARDS TO THIS ACCOUNT) CAME BACK VERIFIED 4. B of AMERICA ACCT CLOSED BY GRNATOR CHARGE OF AS BAD DEBT (THIS WAS INCLUDED IN MY BK HOWEVER NO MENTION OF IT IN MY REPORT WITH REGARDS TO THIS ACCOUNT) CAME BACK VERIFIED 5. CMI (CA) PLACED FOR COLLECTION COLLECTION ACCOUNT THIS WAS A LOCAL CABLE BILL. AND WAS INCLUDED IN MY BK. CAME BACK VERIFIED 6. BANKFINANCIAL 1 TIME 30 DAYS LATE CAME BACK VERIFIED
Hi: I filed BK in 1993. I would write that they are all included in BK. At least all of the negative info in the histories would be deleted. Then I would bide some time with the included in Bk statements. I then got those deleted after about another year. Just my 2 cents! Good luck ICU
Re: Re: Verified 1st Rnd,hints For 2nd Rnd If you dispute as "Included in BK" you have pretty much cemented the notation of BK for 10 years to your report. Further, I don't believe the negative info in the history is deleted.
Re: Re: Verified 1st Rnd,hints For 2nd Rnd Hey: I understand where you are coming from, but I much rather explain to my creditors that those accounts were included in my bankruptcy.Besides, the BK notation is there anyway in your public record history, you can't get away from it. I would much rather have them as listed in my BK rather than with the negative history. I can't speak for everyone, but that worked for me. I then got the other stuff deleted after a year. ICU
Re: Re: Verified 1st Rnd,hints For 2nd Rnd no way am igoing to help the cra's out with it was in my bk, they fall off in three years anyways. anyother suggestions
