I would love your help on removing three things on my credit report that are in Collections. I'm in Louisiana
1. Sprint account - $1200
2. Medical bill - $1200
3. Columbia House - $100 (which I have no clue on this account). I never received any CD's that they stated I received and had delivered to my apartment.
I have lots of other ways to get things off but I think we are limited on the info we put in here & it also includes researching laws and so forth. But the easiest items to get removed are CA's for me. I just got my results back from a previous dispute and I got my chapter 13 BK off, a charge off, 2 foreclosures, & another charge off to read paid in full and it's not. I've been using this new method called the jack attack and its been very successful with TU!
The so called "jack attack" isn't new at all. It's been around for awhile and personally I don't see it working. I think any success with it is coincidental. I will explain it.
Supposedly you would DV the CA which would time bar them from collection activity. Then you would dispute it. The premise is that they would not be able to verify the debt because of the DV. This is false. They can still verify it, even by e-Oscar.
This has been discussed before, but I figured it had fallen from favor because I haven't seen it discussed in quite some time.