Disputing Directly W/CRAs- Tips Please

creditreformer — Tue, 03 Jun 2008 04:56:08 GMT

Been awhile since I’ve attempted repair and while I’ve read the newbie section/done searches, I wanted some input on whether I should write the CRAs and try to dispute certain baddies by using a letter to the CRAs that points out wrong info on the TLS (ex., not a data factoring acct, DOFD not provided; never been late; not an installment acct; wrong balance; end of 7 yr reporting period is wrong; etc.). FYI, I live in Calif and believe all are out of SOL for collection purposes. Has anyone tried disputing directly w/CRAs and gotten baddies removed successfully using this method? Pertinent baddies are below.

TU

Original Creditor Baddie Re Baddie #1

HSBC Bank
Loan Type- Credit card
Remark: Purchased by another lender
Balance- 0
Dated updated- 7/04
High Balance- 0
Credit limit- 0
Past Due- 0
Pay status- Charged off as bad debt
Account Type- Revolving Account
Responsibility- Individual account
Dated opened- 8/02
Date closed- 4/04
Date paid- 2/04
Estimated Date that this item will be removed- 9/10

Collection Agency Re Baddie #1

Asset Acceptance
Loan Type- Factoring Company Account
Remark: Placed for collection
Date placed for collection- 7/07
Date updated- 5/08
Original Balance- 1,141
Original Creditor- Household Bank
Past Due- 1,194
Account Type- Open Account
Responsibility- Individual account
Estimated Date that this item will be removed- 12/10

Original Creditor Baddie Re Baddie #2

HSBC Bank
Loan Type- Credit card
Remark: Purchased by another lender
Balance- 0
Dated updated- 1/06
High Balance- 570
Credit limit- 0
Past Due- 0
Pay status- Charged off as bad debt
Account Type- Revolving Account
Responsibility- Individual account
Dated opened- 6/01
Date closed- 4/04
Date paid- 2/04
Estimated Date that this item will be removed- 9/10

Collection Agency Re Baddie #2 (BTW, these people have called my family and advised them of my debts and have called me/threatened to sue even though the debt is SOL for collection purposes- VERY nasty CA)

Coastal Asset Management
Loan Type- Collection Agency Attorney
Remark: Placed for collection
Date placed for collection- 7/07
Date updated- 4/08
Original Balance- 570
Original Creditor- Household Bank
Past Due- 570
Pay Status- Collection Account
Account Type- Open Account
Responsibility- Individual account
Estimated Date that this item will be removed- 2/11

EQ

Original Creditor Baddie Re Baddie #1

HSBC Bank
Current Status- Charge-Off
Account Owner- Individual
High Credit- 0
Type of Account- Revolving
Credit Limit- 0
Date Opened- 8/02
Balance- 0
Date Reported- 6/05
Amount Past Due- 0
Date of Last Payment- 2/04
Actual Payment Amount- 0
Scheduled Payment Amount- 20
Date of Last Activity- NA
Date of Major Delinquency First Reported- (Blank)
Activity Description- Transfer/Sold
Charge Off Amount- 941
Date Closed- 4/04
Type of Loan- Credit Card
Date of First Delinquency- 11/03
Comments- Charged off account

Collection Agency Re Baddie #1

Asset Acceptance

Current Status- (Blank)
Account Owner- Individual
High Credit- 1,141
Type of Account- Open
Credit Limit- 0
Date Opened- N/A
Balance- 1,194
Date Reported- 5/08
Amount Past Due- 1,194
Date of Last Activity- N/A
Actual Payment Amount- 0
Scheduled Payment Amount- 0
Date of Last Activity- NA
Date of Major Delinquency First Reported- 8/07
Activity Description- Transfer/Sold
Charge Off Amount- 0
Date Closed- 4/04
Type of Loan- Factoring Company Account (debt purchase)
Date of First Delinquency- 1/04
Comments- Collection account

Original Creditor Baddie Re Baddie #2

HSBC Bank
Current Status- Charge-Off
Account Owner- Individual
High Credit- 0
Type of Account- Revolving
Credit Limit- 0
Date Opened- 6/01
Balance- 0
Date Reported- 2/06
Amount Past Due- 0
Date of Last Payment- 2/04
Actual Payment Amount- 0
Scheduled Payment Amount- 20
Date of Last Activity- NA
Date of Major Delinquency First Reported- (Blank)
Activity Description- Transfer/Sold
Charge Off Amount- 570
Date Closed- 4/04
Type of Loan- Credit Card
Date of First Delinquency- 11/03
Comments- Charged off account

EX

Original Creditor Baddie Re Baddie #1

HSBC Bank
Account Type- Credit card- revolving terms
Status- Closed
Date open- 8/1/02
Terms- Revolving
High Balance: (Blank)
Limit- 300
Past Due- (Blank)
Payment status- Account transferred to another office
Comments- Transferred to another lender or claim purchased

Collection Agency #1 Re Baddie #1

Asset Acceptance
Account Type- Unknown- credit extension, review, or collection
Status- Closed
Date open- 7/1/07
Balance- 1,194
Terms- 1 month
High Balance- (Blank)
Limit- (Blank)
Past Due- 1,194
Payment status- seriously past due date/assigned to attorney, collection agency, or credit grantor?s internal collection department

Collection Agency #2 Re Baddie #1

Pinnacle Credit Services
Account Type- Unknown- credit extension, review, or collection
Status- Closed
Date open- 12/1/06
Balance- 1,136
Terms- 1 month
High Balance- (Blank)
Limit- (Blank)
Past Due- 1,136
Payment status- seriously past due date/assigned to attorney, collection agency, or credit grantor?s internal collection department

Original Creditor Baddie Re Baddie #2

HSBC Bank
Account Type- Credit card- revolving terms
Status- Closed
Date open- 6/1/01
Terms- Revolving
High Balance: (Blank)
Limit- 300
Past Due- (Blank)
Payment status- Account transferred to another office
Comments- Transferred to another lender or claim purchased

Re: Disputing Directly W/CRAs- Tips Please

Timothy — Tue, 03 Jun 2008 05:59:58 GMT

I have locked this thread-

It is a violation of My FICO Terms of Service to dispute valid an accurate data.

Please review the Terms of Service prior to reposting.

Thank you-

Credit Repair Discussion Guidelines, Terms of Service, and User Guidelines that prohibit the promotion of certain types of credit repair. Please read these guidelines before posting anything further about credit repair.

Thanks for contributing to these forums and for your cooperation!

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Disputing Directly W/CRAs- Tips Please

Re: Disputing Directly W/CRAs- Tips Please