What do I do first, second, third...

I've been ignoring your post because it really requires someone who knows something about credit repair to give you some help. I do know about the Caspar Milquetoast method of credit repair but I don't think that would help you any. The Caspar Milquetoast method of credit repair is only for those too timid to even take a chance of offending anyone. It is for those who believe that the only way to keep from offending anyone is to simply pay everything anybody might claim you owe without protest of any kind. The cartoon character Caspar Milquetoast was first seen in 1924 and ceased publication back about 1938 or so. Caspar Milquetoast was such a timid character that he was once depicted as running past a sign on the side of a building that said NO LOITERING

He was so timid that when his hat blew off his head and landed on a strip of grass containing a sign which said KEEP OFF THE GRASS Caspar just bought a new hat rather than to disobey the sign and get his hat back. Caspar Milquetoast was far too timid to dispute anything so I doubt that his method of credit repair would help you much. So that's why I haven't responded to your post. I just don't know anything about credit repair so rather than even attempting to do any credit repair I just force those who put something on my credit reports to take it back off again and pay me for forcing them to do it.

Needless to say that don't work in all instances. It only works for debt collectors, not original creditors. I don't know how to do anything about adverse listings put on credit reports so I don't worry about credit scores to start off with. I don't need good credit and I don't even care if I have no credit at all or a terrible score. I take care of that problem with my corporations which all have excellent credit so it don't make any difference what my personal credit score is. My corporations own all my assets and they pay most of my bills so I don't have much to worry about. They pay me a buck a year and I have another means of earning my living. So I haven't responded to your plea of help to fix your credit because I don't know how to help you fix your credit. Hopefully somebody on here who does know how to do credit repair will finally come forward with some suggestions.

 

That depends on several factors I don't have the answers to. The first line of defense is always the debt validation letter but if it has been more than 30 days since their initial (first) contact with you then you don't really have that option as a viable means to proceed. Yes, you can always demand validation but if you don't get that taken care of they can continue to collect so after 30 days the DV letter isn't going to do you a whole lot of good. Can you find anything on your credit reports which is false or misleading information? Are there any instances of illegal re-aging of the debt? If there are then you might have a way to go.

Apex Credit Services seems to be the best expert on credit repair around here and I'd read a few of his posts to get some of his expert ideas. He posted some excellent tips a couple of days ago. You might send Apex a PM and see if he can help you out some.

 

I recommend stating that the debt is disputed and validation is demanded during every phone conversation with a debt collector.

What to say to a debt collector should never be a problem. What consumers need to understand is that debt collectors always have a canned speech they use on every call. They start off with their little spiel and then change it on the fly as the conversation unfolds. Just like phone solicitors, if the target of their call interrupts their spiel they get confused real quick.

One time many years ago I got a call from a debt collector and after I determined what was calling I stopped the conversation by telling her that she should hold the phone away from her ear because she was going to hear a very loud noise and I didn't want to harm her hearing and then immediately introduced a short burst of feedback squeal via a tape recorder. Just a second or so. Then I came back on the line and immediately said, My, you sure are a pretty lady.
........How do you know that?, She asked. My reply was that the loud squeal was my camera phone taking her picture.
She started screaming about how I can't do that without her permission. Well, I did it anyway and she got really mad and hung up the phone.
I can just imagine the gales of laughter in the office as she started howling about how somebody just took her picture over the phone. (LOL)

Another time I was in a restaurant having supper and a lady walked up to my table and asked me if I was Bill Bauer. I said that I was and she started trying to talk to me about this debt I owed. Just so happened that I had a few packets of rattlesnake eggs in my pocket. Little brown envelopes that had a picture of a rattlesnake and a warning message that said Don't expose to heat or direct sunlight. Eggs will hatchInside the envelope was a small piece of wire, a wound up rubber band and a steel washer. Open the envelope and the rubber band would unwind spinning the washer and making a sound about like a rattlesnake. I stopped her and asked her if she had ever seen a rattlesnake egg and she said no. I gave her one of the packages which she opened. She screamed started trembling and stood there wetting the floor. She threw the envelope on the table and ran out the door cursing at the top of her lungs, never to be seen again or heard from again. (LOL).

Later I did the same thing to a cashier in a Homeland grocery store and got exactly the same results minus the cursing. The manager came over to see what the ruckus was all about and when he saw what had happened he busted out laughing too but sent the poor thing home for the day with full pay then called for a mop boy who cleaned up the mess. I didn't mind doing that to a debt collector but I felt so sorry for the poor cashier I threw my rattlesnake eggs away and I won't ever do that to anyone again. Could cause someone to have a heart attack I guess. But the truth is that rattlesnakes don't lay eggs. They give live birth. The babies are just as dangerous as the full grown ones even though they are only hours old. Their rattles work immediately at birth but the shells are so soft you can't hear them which makes them even more dangerous than a big one.

But back to what to say to a debt collector when they call. Several years ago I developed a canned speech of my own that anyone can print out and keep by their phone at all times. You can find it on my google docs page. Just click on the link below. There are also recordings of me actually using the list of 18questions on various debt collectors. If you use the list and break up their train of thought and their spiel they will soon go away and never call you again. I've had them call me, recognize my voice and say, OH NO!, NOT YOU AGAIN[b/] and immediately hang up the phone. (LOL)

I always wish they would call back so I could have some more fun with them but they never do. I use the same general idea with telemarketers. Once I figure out that they are a telemarketer I'll interrupt them and ask them if they heard about the lady who ran over her cat with a lawn mower and cut off it's tail. No. So she picked up the poor cat and the tail and took them both to Wal-mart. Why did she do that? Because Wal-mart is the worlds biggest re tailer. While they are laughing I just hang up the phone. Don't ever hear from them again.