Credit repair

Letter to send to credit bureaus after no validation?

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Angela1981

Joined: 10 Oct 2008
Angela1981's page
Posts: 1

56 Magic Points

Subject: Letter to send to credit bureaus after no validation?

Fri Oct 10, 2008 2:31 pm

I have a couple of items on my credit report that I am trying to get removed. The credit bureaus have "verified" all of them within the past 6 months. So last month, I sent letters to CA's and OC's - 2 medical collections - under $400 each) and also 2 original creditors...one was for a cell phone bill - I had changed the plan verbally and they did not change so I got a $800 bill one month for overage. I did not pay it. The other was for a car loan. I was always on time with the payments but I needed to sell quickly when I lost my job and talked to someone at WFS Financial who agreed to settle for less than I owed, but now they are saying it's a charge off on my credit.

So I need letters that I can send to the credit bureaus to remove the information that the CA did not validate and also a letter to remove the information that the original creditors did not research.

Can anyone help?

carol

Joined: 27 Jun 2006
carol's page
Posts: 375

10293 Magic Points

Sat Oct 11, 2008 5:11 am

Hi Angela1981
If the debt has already been listed as charge off on your credit report, it cannot be removed from your report before seven years by the CA even if you pay back the debt in full. So it is always better to avoid charge off. However, if the debt is still with the OC and has not been sold off to the CA, you can make the OC agree to the pay for deletion agreement, so that as soon as you pay off the debt, the charge off listing gets removed from your report. Only OC can remove a charge off listing from your credit report, not the CA.
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Keep in touch
Carol

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 417

10874 Magic Points

Sat Oct 11, 2008 5:36 am

Hi Angela
You can find a sample dispute letters which you can send to the credit bureaus. You can visit http://www.creditmagic.org/repair/dispute-letter.html for the sample letter. You should send this letter by certified mail and along with it you should also send the copy of the receipt that you have send a debt validation letter to the collection agency or the original creditor which has not been validated. Now, if you have not sent the debt validation letter to the CA by certified mail, you should first send another letter by certified mail and if the CA does not validate the within 30 days of the receipt of the letter, you can send the dispute letter to the bureaus with the proof that you had asked for DV to which the CA has not responded.
_________________
Best Wishes
Justin


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