| Author |
Message |
|
Options 
Bookmark online
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
|
|
|
|
|
Tue Dec 16, 2008 1:20 am
|
|
|
| I amnot exactly sure on this one but I would imagine you would get some type of correspondence in the mail. I remember reading on this topic on another post but can not remember what the answer was. If all else fails the person could call them up and see. |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3996
1079 Magic Points
|
|
|
|
|
Tue Dec 30, 2008 5:07 am
|
|
|
That is the problem with the system, you don't know if they contacted the original creditor or not. Dead debt gets passed through so many hands by the time it gets to collecting it they can not validate it anyway. If you can handle the harrassment, hang in there and request validation.
I keep a debt validation on my desk top and just change the company information on it, makes life a lot easier.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
|
|
sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
107 Magic Points
|
|
Subject: credit
|
|
|
Tue Dec 30, 2008 12:06 pm
|
|
|
| Even though you 'Dispute' items, over the Internet, with the CB's, is it STILL a good idea to send them a 'Dispute' letter, too? I'm sure this would help, quite a bit, with all of those CA's who are trying to collect for illegal PDL's. |
|
|
Amber Brown
Guest
|
|
Subject: No reply after validation letter sent
|
|
|
Thu May 14, 2009 11:54 pm
|
|
|
| I sent a debt validation letter to a company with no reply so far. Tomorrow will be the 30 day mark. What type of letter should I send to the CB's requesting the debt erased. |
|
|
Firang
Joined: 28 Apr 2009
Firang's page
Posts: 58
-25 Magic Points
|
|
|
|
|
Sun May 17, 2009 1:57 am
|
|
|
hi Amber Brown welcome to the forum
Credit bureaus will require the proofs of your letter which was sent to the CA (debt validation letter) just send them a request stating that there is delay on the CA part for reply and thus CB should remove the bad entries as earliest.
and make sure you also sent one copy of this to the CA so that they will take immediate action and thus your time will be saved. |
|
|
Danielle917
Guest
|
|
Subject: Hospital Bill
|
|
|
Mon Jun 01, 2009 3:34 pm
|
|
|
| I'm looking for a "dispute" letter to send to the actual creditor (not collection agency). Anyone know where I can find one online--for free? |
|
|
Sven
Guest
|
|
|
|
|
Sat Jun 13, 2009 12:26 am
|
|
|
Ok, I used the "Dispute letter with the bureau" letter. I still don't know how this would work, though.
What can I do if that fails? |
|
|
Treyzdazed
Joined: 14 Jun 2009
Treyzdazed's page
Posts: 2
72 Magic Points
|
|
Subject: garnishment of student loan from my SSD
|
|
|
Sun Jun 14, 2009 11:48 am
|
|
|
| Each month the Federal syudent loan people take 150.00 from the $ 850.00 I get from SSD. That is way too much. Is there a contract I can sign with them for them to take less that that????Someone please help me!!!! |
|
|
I'm confused
Guest
|
|
Subject: CRA disputs
|
|
|
Thu Aug 13, 2009 7:59 pm
|
|
|
| So I'm very new at this. I'm to go tot the credit reporting agency example: Transunion and mail them the dispute? How would one get the address to any of the three reporting agencies? |
|
|
JaySmith
Joined: 27 Aug 2009
JaySmith's page
Posts: 5
97 Magic Points
|
|
|
|
|
Thu Aug 27, 2009 2:24 am
|
|
|
Optimist, that was a very confusing post. And mr im so confused I suggest you PM firang, He or She seems to know what they are talking about! Good luck
_________________
Get An Accurate Free Credit Report. |
|
|
robertsmith
Joined: 04 Oct 2009
robertsmith's page
Posts: 11
150 Magic Points
|
|
|
|
|
Sun Oct 04, 2009 5:48 pm
|
|
|
| you can contact them online. |
|
|
joeblow
Guest
|
|
Subject: Sample Later
|
|
|
Sun Oct 25, 2009 6:10 pm
|
|
|
| Do these letters work? |
|
|
Ruthie
Joined: 15 Oct 2009
Ruthie's page
Posts: 58
1201 Magic Points
|
|
Subject: goodnatured thats not true
|
|
|
Sat Nov 07, 2009 3:58 am
|
|
|
| I have one acct that was paid with a promise to delete while I was recovering from cancer. The acct is ten yrs old, and citibank is still trying to collect on a paid acct. They keep selling them to other collection agencys. So never throw away your paid bills or rcpts . You may need them again. Good luck I have been scanning my bills onto a dvd for future proof. |
|
|
Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
|
|
|
|
|
Fri Nov 27, 2009 6:10 am
|
|
|
Hi Ruthie,
I agree with Ruthie. Whenever you make any kind of transaction or deal with the creditor or collection agency always retain the proofs of those dealings. In this way they cannot harass you in future. I think what Ruthie is doing is quite clever. Let me see if I can also do something like this to preserve the documents.
_________________
All the Best 
Justin |
|
|
CreditAdvocate
Joined: 28 Dec 2009
CreditAdvocate's page
Posts: 6
150 Magic Points
|
|
|
|
|
Tue Dec 29, 2009 12:07 am
|
|
|
| Goodnatured, I would really reconsider and try disputing with accounts with the credit bureaus again. If the accounts come back verified, then send a letter to the bureaus requesting the method that they utilized to verify your account as well as the name, address and telephone number of the person who verified your account. The bureaus then have 15 days to get back to you with that information. If they fail to do so, they must delete the account! I am sure that you should see some results after your second letter. If they still "verify" after the second letter, send a dispute straight to the company/collection agency reporting the account. Pending the results, which mostly likely will result in a deletion, send that documentation ( if they say you do not owe or that they are going to delete from your credit report) to the bureau requesting that they delete the item from your account. What most people don't understand is that if you just wait the 7 years for the account to fall off, they fall off but if you ever go for a mortgage loan over 150,000 dollars the mortgage company may pull a FULL FACTA which discloses items that "just fall off". If you are interested let me know and I will send you a letter that should help do the trick. FREE OF CHARGE!!! NO CHARGE!!! I AM HERE TO HELP!!! NO FEES!!! |
|
|
Previous 1 2 3 4 5 Next 
