DH has a "charge-off" on his experian report that we attempted to dispute once (2001)and it came back verified. It currently says "scheduled to remain until 9/2003" The information says the debt was charged-off in 2001--but we paid the account in full in 10/98. I'm looking for the proof of that, but haven't been able to find it yet. Can we dispute as obsolete and have a chance at success? Should we redispute it as incorrect information? The account was sold at some point in '99 i believe. They were both reporting and transunion and equifaxt both took it off. Experian continues to hold out Getting ready to do mortgage stuff, so any advice is appreciated. Also--we have a cap1 that has a consecutive 30-60-90 day late back in '98; think that's something mr cooke/pfb would tackle? TIA!
Exp remove negative early?Obsolete? (Bump please ) Has anyone gotten exp to remove a derog a bit early? How much is a bit? DH has a charge-off due to fall off 9/2003 (per exp)--anyway to argue it off a bit earlier? Thanks for info!
Exp remove negative early?Obsolete? i have a co'd zales accnt on my reports. The accnt was sold to a ca but transferred back to the oc not too long ago. Citibank now own the zales accnts. Atleast mine. I sent a validation letter to citibank with the intent to sue and today i recieved a letter from citi apologising for the inconvienence and states that they send a udf to the cra's requesting its removal. Iwould just write a letter to them and hope for the best.
Re: Exp remove negative early?Obsolete? creditcrud Have you sent the CA This letter? Here is the Val Letter you want to send . Don't make any changes on it and don't hand sign it. Your Name Address City State Zip Company Address City State Zip Date RE: Account #_________/Original Creditorâ??s Name Dear Sir/Madame: Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely, Your Name don't sign - - - Include the following on a separate sheet of paper - - - CREDITOR DISCLOSURE STATEMENT Name and Address of Collector (assignee): _________________________ Name and Address of Debtor: ____________________________________ Account Number(s): ____________________________________________ What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO Has the purported balanced of this account been used in any tax deduction claim? YES/NO Please list the particular products or services sold by the collector to the debtor and the dollar amount of each: Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. ________________________________ Authorized signature for Collector Date_______/_______/_______ Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
