written mailed in disputes? If I dont wish to give them a license will a bank statement and possibly a state ID card (if I really need to go get one) work? Also I noted that many like to have a CR number. online reports dont always give you a number. will a copy of the online report suffice? any other data i will need when disputing my first set of negs? Now, if I've read other posts and info sentions reasonably right I am to start disputing by: In writing (since my locations is not apparently online dispute friendly according to te computer), write the CRA and say I am disputing this trade? is best advise to claim it isnt mine?and leave it at that or are there other claims I can use. After mailing a dispute to the CRA (and here is where I am seeing a debate between some folks), write letters to the CAs that I am asking for validation. Now, some seem to like letting the initial 30 days go by with just trying to see if the CRA can verify the trade and if not all the less work for me. Others have said to follow the CRA dispute letters basically immediately will letters asking for debt validation to the CAs. what is the concensus on this? that step or two steps is obviously my first step. and cant do much else for at least 30 days more. My contention with just asking the CRA to verify and not contact the CA for validation is that the CRA may not get the immediate verification and delete, but the CA will come back another month or two later and throw it back on. I presume when you go after the CA for validation and they fall flat and back off they themselves are ordering the deletion and you wont likely here from them again as opposed to the CRA getting a possible not verified and removes it only to get the trade reapplied to the file down the road. I would really appreciate your opinions on this issue (to not immediately write the CA for validation as opposed to not). I am not that opposed to the extra leg work with immediately asking for validation if it would save me from dealing with that CA later down the road because the CRA removed it, but it was only a temporary fix possibly. Thanks to all who can offer their viewpoint! and sorry about the excess posts. just trying to get theplan straight. have read quite a lot but the more info I get the better I can evaluate my options.
I send them my ss#, copy of driver license, and thats it.... not mine is good one to use.. don't send them a bank statement... I always send just my ss #, dl copy, account # I'm disputing and why... never had a problem yet
Wfoster | 39 posts since Feb 2003 172.166.182.74 | 02.14.2003 @ 17:57 Written mailed in disputes? If I don't wish to give them a license will a bank statement and possibly a state ID card (if I really need to go get one) work? Also I noted that many like to have a CR. number. Online reports don't always give you a number. will a copy of the online report suffice? Any other data I will need when disputing my first set of negs? Now, if I've read other posts and info sections reasonably right I am to start disputing by: In writing (since my locations is not apparently online dispute friendly according to the computer), write the CRA and say I am disputing this trade? Is best advise to claim it isn't mine?and leave it at that or are there other claims I can use. After mailing a dispute to the CRA (and here is where I am seeing a debate between some folks), write letters to the CAs that I am asking for validation. Now, some seem to like letting the initial 30 days go by with just trying to see if the CRA can verify the trade and if not all the less work for me. Others have said to follow the CRA dispute letters basically immediately with letters asking for debt validation to the CAs. What is the concessus on this? That step or two steps is obviously my first step. And cant do much else for at least 30 days more. My contention with just asking the CRA to verify and not contact the CA for validation is that the CRA may not get the immediate verification and delete, but the CA will come back another month or two later and throw it back on. I presume when you go after the CA for validation and they fall flat and back off they themselves are ordering the deletion and you wont likely here from them again as opposed to the CRA getting a possible not verified and removes it only to get the trade reapplied to the file down the road. I would really appreciate your opinions on this issue (to not immediately write the CA for validation as opposed to not). I am not that opposed to the extra leg work with immediately asking for validation if it would save me from dealing with that CA later down the road because the CRA removed it, but it was only a temporary fix possibly. Thanks to all who can offer their viewpoint! And sorry about the excess posts. Just trying to get the plan straight. Have read quite a lot but the more info I get the better I can evaluate my options. ====================================== Step 1 Send the CA the 30 day validation letter. Step 2 When you get green card back dispute with CRA After 30 days and no validation from the CA Send 15 day estoppel letter to CA. After 15 days send CA ITS letter if they still haven't validated. Do every thing by CRRR as you will need this paper trail if It winds up in court.
I'm very surprised at you lb. For the 1st round of disputes, do NOT send anything to the ca's. Dispute with the cra's first. Why wake up a ca when it might easily come off with a simple dispute? If it is verified, then send a validation to the ca. Dispute about 4 items per cra, per dipsute letter. Starting with the oldest baddies first, will usually bring good results. Once you get the results, you can then send validations to the ca's if needed. If not, go on to the next 4.
Re: Re: What do the CRAs need for... I have to agree with lb on this one. For those trying to get rid of nuisance CA's getting as many violations as early as possible can pay dividends later on when leverage is needed to remove them from reports. And with such CRA's as the EVIL EXP giving ppl heck not wanting to reinvestigate after one or two disputes I say go ahead and do it right the first time. IMO there is no such a thing as overkill when dealing with CA's or CRA's. I'm a firm believer that the first and second disputes are always the most effective. Anything else the CRA's look at as credit repair. It is has been reported on this board that the CRA's on the first dispute round of disputes will accept 10+ items. I would keep it around 7-8 on the first shot to be on the safe side.
