no responce within 3 days what to do?

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michelle123

Joined: 14 Sep 2009
michelle123's page
Posts: 2

64 Magic Points

Subject: no responce within 3 days what to do?

Mon Sep 14, 2009 4:49 am

i disputed some accounts on my crdit online. Didn't get a respns in 30 days or at all for tht matter. went to check credit after 43days, still on my credit and would not allow me to dispute again. It gav message item validated. Is there a follow up letter i can write them, because they never responded. They all are also with collection agencies, no contact info. Please help.

carol

Joined: 27 Jun 2006
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Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Mon Sep 14, 2009 12:23 pm

Hi michelle,

I would suggest that you send them a letter stating that they reconsider their position. Attach a copy of the letter of dispute that you had sent earlier and also mention that you have not received any response from them but instead got to know the information after you pulled your credit report. This should be effective in correcting the mistakes in your report. If the report still contains the error despite your requests, you have the right to file a lawsuit.
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Carol

michelle123

Joined: 14 Sep 2009
michelle123's page
Posts: 2

64 Magic Points

Subject: What do I do.

Tue Sep 15, 2009 4:12 pm

I disputed it all online. I don't have copies. what should I do.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Wed Sep 16, 2009 12:55 am

Michelle, I would send them a debt validation letter by certified mail. Give them at least thirty days to respond. Other than that the only thin I can think of is either asking what they provided for debt validation (ask the bureaus) or do as Carol suggests and ask them to reconsider. I imagine whatever the credit bureaus decide may be the final answer. If you really feel the info is wrong you could push it and call the atty general and ask for help there.

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