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Newbie here in need of different kind of help

Regular Contributor

Re: Newbie here in need of different kind of help

I disputed every acct first. Then I DV'ed all of them. After that I started looking into more aggressive actions. Keep reading and learning, then devise a plan. When I disputed with the CRAs I disputed all online with the reason of "not mine". I never sent a single penny to a collection agency and only have one left. I had close to 5k in collections deleted. However, If you already paid them, then yes, a GW deletion is all you really have left. If the accts are paid, then send them GW letters. If you have collections that are not paid, then start with a dispute, then a DV letter.

4/6/09 EQ 555 TU 498 EX 553
9/3/10 EQ 590 TU 566 (Just now starting the rebuild)
9/11/10 EQ 610 TU 627
10/21/10 EQ 625 TU 660
12/08/11 EQ 681 TU 648 EX 667
2/13/12 EQ 677 TU 658 EX 675

From 9/2010 to 2/2012 I have gotten $44k in available credit, and closed on my first home 12/23/2011. All was made possible by the people here. Stay with it, it is possible!
Moderator Emeritus

Re: Newbie here in need of different kind of help


notmyj wrote:

I disputed every acct first. Then I DV'ed all of them. After that I started looking into more aggressive actions. Keep reading and learning, then devise a plan. When I disputed with the CRAs I disputed all online with the reason of "not mine". I never sent a single penny to a collection agency and only have one left. I had close to 5k in collections deleted. However, If you already paid them, then yes, a GW deletion is all you really have left. If the accts are paid, then send them GW letters. If you have collections that are not paid, then start with a dispute, then a DV letter.



I'm curious about your approach of disputing every account as "not mine". Was this because you truly didn't feel the information was accurate?

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Regular Contributor

Re: Newbie here in need of different kind of help

No, it mostly out of not being informed properly. At the time, I had not yet found this web site and found others that said the step is to dispute everything as not mine. So I followed that. It was only after I filed the disputes did I find this place. Sorry, I guess I should have mentioned that in the previous post. Right or wrong, it was what I did and oddly enough it worked. /shrug/

4/6/09 EQ 555 TU 498 EX 553
9/3/10 EQ 590 TU 566 (Just now starting the rebuild)
9/11/10 EQ 610 TU 627
10/21/10 EQ 625 TU 660
12/08/11 EQ 681 TU 648 EX 667
2/13/12 EQ 677 TU 658 EX 675

From 9/2010 to 2/2012 I have gotten $44k in available credit, and closed on my first home 12/23/2011. All was made possible by the people here. Stay with it, it is possible!
Moderator Emeritus

Re: Newbie here in need of different kind of help


notmyj wrote:

No, it mostly out of not being informed properly. At the time, I had not yet found this web site and found others that said the step is to dispute everything as not mine. So I followed that. It was only after I filed the disputes did I find this place. Sorry, I guess I should have mentioned that in the previous post. Right or wrong, it was what I did and oddly enough it worked. /shrug/



I've been there, done that.  Smiley Happy

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".