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I tried to respond to whole letter but keep freezing up so letter is too long and too confusing. The reps have about two minutes per dispute. Keep it simple silly Letter:
Your name address city state file #/ ss#
CRA
address
city state zip
TO whom it may concern:
I recently ran my credit report and unfortunately found an error. On my CRA NAME FILE there is a judgment listed under public records. However this is incorrect. The judgment was dismissed by the court of OKLAHOMA. Please see attached. The judgment was dismissed on date.
Therefore I repectfuklly request the immediate rem oval of said item. Please send me notification that the item has been removed as well as a copy of my updated credit report to address, according to the provisions of 15usc section 168j there should be no charge for notification of changes on my credit report.
Thanking you for your time and courtesies,
Sincerely,
Name typed do not sign
Im like columbo today LOL one more thing in letter under adress type certified MAIL R.R.R. What are the other baddies that are falling off in 2013??
@annielorie wrote:Im like columbo today LOL one more thing in letter under adress type certified MAIL R.R.R. What are the other baddies that are falling off in 2013??
30 day late from Nissan, May 2006. 90 day late WF Credit Card. March-May 2006
In 2006 my ex husband was abusive towards me. I finally got him gone after calling the police on his butt after he was kicking me. That was in Feb 2006. He took all the money from our checking account when he left, so I had no money. I was in school at the time, and I had a job as a graduate assistant, but I lost the job because depression started setting in at the end of January and I couldn't really function anymore. I withdrew from graduate school and went to my moms where I don't really remember what happened for the next 3 months. (PTSD)
Anyways, I started getting therapy and treatment while at my moms, and I landed a great job in april of that yr, so I moved to Oklahoma to pursue the job. At that time I opened up a new checking account and tried to get my affairs in order. he was AU on 3 CCs that he maxed. the rings were with Zales for the wedding, not paid for yet. he took off with the truck that I was co-signer on (thats what the judgement was for.
I didn't get any mail while at my moms, and was able to get all of the CCs except for Wells Fargo to delete the 30-60-90 day lates where I didn't pay anybody anything. Overall I paid for about 30k worth of his debt, with nothing to show for it other than the fact that I went 6 yrs being single because I didn't want to end up with a deadbeat again who abused me. Those 6 yrs were great because I got to figure out who I was and that I was better than having to put up with being treated badly.
My lawyer tried to press criminal charges on my behalf, it never went anywhere They claimed it was a mere domestic dispute instead of the victimization that it was
@webhopper wrote:
@annielorie wrote:Im like columbo today LOL one more thing in letter under adress type certified MAIL R.R.R. What are the other baddies that are falling off in 2013??
30 day late from Nissan, May 2006. 90 day late WF Credit Card. March-May 2006
In 2006 my ex husband was abusive towards me. I finally got him gone after calling the police on his butt after he was kicking me. That was in Feb 2006. He took all the money from our checking account when he left, so I had no money. I was in school at the time, and I had a job as a graduate assistant, but I lost the job because depression started setting in at the end of January and I couldn't really function anymore. I withdrew from graduate school and went to my moms where I don't really remember what happened for the next 3 months. (PTSD)
Anyways, I started getting therapy and treatment while at my moms, and I landed a great job in april of that yr, so I moved to Oklahoma to pursue the job. At that time I opened up a new checking account and tried to get my affairs in order. he was AU on 3 CCs that he maxed. the rings were with Zales for the wedding, not paid for yet. he took off with the truck that I was co-signer on (thats what the judgement was for.
I didn't get any mail while at my moms, and was able to get all of the CCs except for Wells Fargo to delete the 30-60-90 day lates where I didn't pay anybody anything. Overall I paid for about 30k worth of his debt, with nothing to show for it other than the fact that I went 6 yrs being single because I didn't want to end up with a deadbeat again who abused me. Those 6 yrs were great because I got to figure out who I was and that I was better than having to put up with being treated badly.
My lawyer tried to press criminal charges on my behalf, it never went anywhere They claimed it was a mere domestic dispute instead of the victimization that it was
Letters are out, thanks so much guys, I will update this thread when I hear back. I am crossing my fingers, as it seems that EQ is the hardest to get a judgement removed from after reading old threads. Currently this judgment is only reporting on TU and EX. I'm just really hoping that this goes away and that I never see it again or have to explain it to another potential creditor again!!! I always felt like such a loser trying to explain why this judgement was there.