What 2 do w/ R9 but paid ????

"Nutcase" letter! http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=125081#post125081 (Credit goes to Doc on this!)

Since you've paid they have no motivation to fight you on this.

Send this to the At&T first before disputing anymore with the CRA's

 

I wouldn't change the reports it's being reported to. Why bother?

YES! Exact purpose of Validation letter is to make them sweat. Like Doc said, you want to make a statement that you're going to be a thorn in their side and you're not going away anytime soon. Also you're putting them on the spot and now they have to spend time away from collecting debts (Where they get $$$) to dealing with you (Where there's nothing to gain). Send the letter CRRR (Certified Mail return receipt), and make a copy of the letter before sending.

There's a 99.99% chance that you'll get no response (Which is good!). Now, send the "Estoppel" letter (Validaition, 30 days later - in the Sample Letters section). This will tell them that you're not playing around (Again, thorn and you're not going away anytime soon). You'll get either 1) No response or 2) A phone call or a letter saying they'll remove.

I did this and got Credit Management Inc. removed from my reports (The same company that rudely told me that it will remain on the report for 7 years no matter what). I never heard back from them, even on the Estoppel, but 15 days after they signed for it I disputed with the CRA's. It was removed within 2 weeks.

Also, some CA's will try to send you a computer printout of a bill. This won't work. They need to send you something with a signature (I added a line to the letter that asked specifically for the signed application/signed bill).

Here's a copy of Doc's letter, including the line I added:

May 4, 2002

Name of Old Fully-Paid Acquaintance
Address
City, STATE ZIP

To Whom It May Concern:

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by â??NAME OF COLLECTION AGENCYâ? or â??NAME OF ORIGINAL CREDITORâ? for me, YOUR NAME, for account number XXXXXXXXX.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline, including a copy of the completed and signed [APPLICATION OR BILL].

I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driverâ??s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely and amicable resolution to this matter.

Sincerely yours,

Your Name
Address
City, STATE ZIP

 

Hi Steph+Gary,

I know your new to this, and have alot of question to ask..in all honesty I'd suggest you just take this step by step first, it looks as if you may be taking on more information than you can handle right off the bat especially when this is your first time doing this.

I'm sure you already been told this, but here it goes again, go and dispute your neg entries online or via mail your preference, dispute your neg entries as not mines it doesn't effect you in any way todo this. This is what I probably call testing the water, you'll never know what items may come off. I believe most of your entries are pretty much paid for, some creditors or collections may not bother to varify. Your going to get alittle anxious(spelling?),have a couple of ulsers, nail biting etc...in the beginning cuz the waiting period of your result is a real killer.

Instead of me babbling, start off disputing and go from there, everyone here who helped you sofar gave you some great advice. Like I said earlier, test the water, you might be jumping the gun right from the start those items that you were so worried about might get deleted....