What are some ways to lower the cost of your D.I.Y credit repair?

Discussion in 'Credit Talk' started by Kameleon, Jan 17, 2013.

  1. Kameleon

    Kameleon Well-Known Member

    So i finally sent out my first DV and paid for CMRRR (Certified Mail Return Receipt Requested) $5.95 !!!
    Now keep in mind this was for getting validation on one account with a Balance of only $185.
    My first letter was like me tacking on 3% interest to that account just by sending 1 letter!!!

    I will have about 10-12 different accounts to deal with this is why i have to ask about this:

    1) Do you look at the cost in doing these CMRRR in determining if to even fight a CA or just roll over for them?
    2) This was just the one LTR, how many back and forth mailings is one going to expect to do PER account?
    3) Is CMRRR going to be on everything sent to a CA/OC/CRA?
    3) Are there reliable cheaper alternatives? (i was told by a "not-so-reliable" friend that faxing wasn't good enough in court for a judgement case his sister dealt with.)

    At $6 a single letter that seems a bit much. Maybe CMRRR is only needed on time sensitive responses and not every single interaction??

    Please let me know what advice you have in regards to cost savings and what you do to keep your cost down as much as possible. Not only with CMRRR LTRs, but Credit Monitoring Services, pulling reports, any tips/tricks you have learned along your journey that you can share with a Newbie like me.

    Thanks!
     
  2. mindcrime

    mindcrime Well-Known Member

    Most, if not everything I believe would be a time sensitive response (going to CA/OC). Also, a letter mailed via first-class has no proof it was sent or received; I would that being harder to hold up in court than a fax with confirmation of delivery.

    Faxing works well for me with the CRA's, I've never used it for a CA though. So you can save some money there, especially if you have your own fax machine. You could always make a follow-up call to the CRA a day or two later just to confirm receipt of the fax. I'm not sure why it wouldn't hold up in court though, unless the other side is claiming the number you faxed isn't theirs?
     
  3. jam237

    jam237 Well-Known Member

    Online faxing, for $10 a month, I can fax out I think 200 pages. A fax confirmation page (or e-mail confirmation with a copy of the fax) works just as well as proof of receipt, with a bonus that they tend to forget that faxes can be confirmed. The fact that the fax comes from an unbiased third-party provider works as well, so they can't say that you doctored the confirmation page. :)
     
  4. Kameleon

    Kameleon Well-Known Member

    1) Would online faxing hold up in court?
    2) what online faxing would you recommend?
    *I will never use E-fax (j2 communications) as i've been scammed by them before.

    In terms of lowering cost for acquiring credit reports:
    3) Under what conditions does the CRA have to send you a whole new credit report when they update or fix something?

    I've seen sample letters that request changes/deletion and then also demanding a new report with the updated changes be sent to them.

    Thanks again.
     
  5. Kameleon

    Kameleon Well-Known Member

  6. jam237

    jam237 Well-Known Member

    Well, I would say that because, it's sent by an unbiased third party, and their phone records (and the recipients) could be subpoenaed to confirm that yes in fact there was a call between the two fax numbers at the specified time, it would hold up in court. (We'll know after I lambast TU's attorney's with my answers including the copies of the faxes that they received. :))

    The service I use is MyFax, but they're also a part of j2 now.
     
  7. nunna

    nunna Well-Known Member

    IMHO, I would rather pay out money to obtain certifiable evidence than pay out money as the repercussions of losing a battle (debt balance + court costs + legal fees) due to not having the evidence to back up the fact that they (the one suing me) owes me more money than I owe them.

    The court will without a doubt trust the evidence provided by the USPS, as they are both government entities. The evidence of any other may not receive the same respect.
     
  8. Kameleon

    Kameleon Well-Known Member

    True,
    Oddly i saw a few post of CB about faxing. Through my research the problem seems to be that just because you get a fax confirmation there is no way to know for sure that they received it (paper jam, bad ink, fax to light to read)...

    However i'm a bothered by this because what if someone put a blank piece and sent it CMRRR wouldn't that be just as bad?
     
  9. nunna

    nunna Well-Known Member

    I think that is where the judge would cut you some slack unless he has reason to believe you are a pathological liar, lol.
     

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