Hello all Happy Holidays!!!!! Just wanted to see what letters people are sending for the CHOD...what are the variances people are using to avoid the Frivolous pile??? I hope to have letters for all 3 CRA's drafted for Monday post office run...Please feel free to post your examples 30 points to 700!!!! not bad for 45 days up from high 400's!!!!!
Sorry here is one I will send although it is "Cookie Cutter"... Numbskulll 1313 Mocking Bird Lane Anytown,USA 22211 Equifax Information Services Llc P O Box 740256 Atlanta, GA 30374 December 1, 2003 Dear Sir/Madame: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Currently you are reporting (1) item on my credit report, which does not belong to me. These accounts are not mine and I must insist that they be investigated and deleted immediately. I am concerned that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. As I am sure you are aware, credit-reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated: Direct Merchants Card, Account# 1234567890 The listed items are completely inaccurate, and are very serious errors in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy of my credit report within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty (30) days to complete your investigation. Be advised that I am hereby requesting the description of the procedure used to determine the accuracy and completeness of the information to be provided within 15 days of the completion of your investigation. Sincerely, Numbskull SS # 123-45-6789
ABSTINENCE!!!!! Just kidding...but my wife thought I was doing some sort of on-line cybersex or something I spent so much time reading and drafting letters....but now she's happy we were "Pre-Approved" for a mortgage...like I told her I'll believe it when we leave the closing..... Just study this board ask Lot's of questions and become good friends with the postal workers I still have some bad bad trade lines that are going to require more work....
Exactly George with Keys in hand...I'll probably toss my cookies out in the parking lot.........lets see what happens Dec 22 is the big day.....
Numb, If it were me, I leave out all the legal stuff until I need it. You want to be the unknowledgable consumer.
Just read another post and I realized now how Trollish this post was...I just wanted to tell you all I am no troll and again want to thank everyone for all the help and advice I have received from everyone. Sorry for being a bit naive at times....again sorry for the trollish post here.
Re: Re: Your Favorite CHOD letter format. Trollish posts generally follow a pattern, and can be pinpointed partly by the time they signed up. Never seen anybody "turn trollish" you either are or aren't. You are referring to our latest, whom posted a letter - that certainly wasn't the first thing he did. You would need to follow the whole saga to see that your letter is not trollish. No worries Numb!
Re: Your Favorite CHOD letter forma I think a possible idea would be the epitimy to the KISS theology. For those of you unfamiliar with it, that acronym stands for Keep It Simple, Stupid (or explicitives in place of stupid) To get the real nieve consumer look to make sure you stay away from the frivilous pile, I'd minimize your letter even more, then . . . and here's the unique thought . . . HAND PRINT your letter. I know sending out 30 hand printed letters might be a pain in the postierior, but it might just be enough to make sure that Transunion doesn't immediately just claim a frivilous. And I totally agree with JLynn about leaving out the legal mumbo jumbo. Just a thought. ChrisB
