topic Re: So Frustrated!!! in Rebuilding Your Credit

So Frustrated!!!

Breakthecycle2 — Sat, 20 Sep 2008 00:24:06 GMT

I must pree appologize for this rant, but this is really frustrating!! I am trying desperately to clean up my reports, some of it works and others I'm at a dead end with. Any advise onthe following would be appreciated greatly!!

Here goes:

Judgments: I had two judgements across the board, both paid. Experian removed one and refused to move the other. EQ removed both and now I am awaiting TU's response. Any sugggestions?

Inquiry from Imagine Mastercard on July 22 2008 out of the blue. I did not apply to them! I have sent them a fax, numerous times this week, to have them immediatly remove them, and nothing!

Also, it states that I opened an accoutn a few years, which I did not. I have sent DV letters with NO response, yet all bureaus verified it? Why?

Afni is trying to collect on a 3 year old Sprint bill. Ihave sent three DV letters, NOTHING! So far EX and EQ verify?? How? I just sent another dispute to EX and EQ via fax and regular mail.

Superior Assest mangement is trying to collect on a T Mobile account they claim I opened? What? I did no such thing. I claimed fraud to T mobil and filed out paper work. EQ deletes, EX verifys? Waiting on TU. On top of that I sent Superior numerous DV which they ignored! The other day I got one saying that they acknowledged the fraud and to fill out papers.

I have a collection going on 6 years from Firestone. I sent them a PFD for half the balance (200, fullbalance, $460). They counter with a $324 but no PFD. How do I counter?

I GW''d Orchard and Cap One and nothing.

Any advise on each piece?? Please!

Re: So Frustrated!!!

jbh — Sat, 20 Sep 2008 16:06:42 GMT

Bumping so somebody with more experience can help you. Good luck.

Re: So Frustrated!!!

Breakthecycle2 — Sat, 20 Sep 2008 17:30:25 GMT

Thanks! Greatly appreciated.

Re: So Frustrated!!!

Breakthecycle2 — Sun, 21 Sep 2008 02:15:16 GMT

Anyone at all?

Bueler...Bueler

Re: So Frustrated!!!

llecs — Sun, 21 Sep 2008 02:29:37 GMT

Breakthecycle2 wrote:
I must pree appologize for this rant, but this is really frustrating!! I am trying desperately to clean up my reports, some of it works and others I'm at a dead end with. Any advise onthe following would be appreciated greatly!!

Here goes:

Judgments: I had two judgements across the board, both paid. Experian removed one and refused to move the other. EQ removed both and now I am awaiting TU's response. Any sugggestions?

Inquiry from Imagine Mastercard on July 22 2008 out of the blue. I did not apply to them! I have sent them a fax, numerous times this week, to have them immediatly remove them, and nothing!

Also, it states that I opened an accoutn a few years, which I did not. I have sent DV letters with NO response, yet all bureaus verified it? Why?

Afni is trying to collect on a 3 year old Sprint bill. Ihave sent three DV letters, NOTHING! So far EX and EQ verify?? How? I just sent another dispute to EX and EQ via fax and regular mail.

Superior Assest mangement is trying to collect on a T Mobile account they claim I opened? What? I did no such thing. I claimed fraud to T mobil and filed out paper work. EQ deletes, EX verifys? Waiting on TU. On top of that I sent Superior numerous DV which they ignored! The other day I got one saying that they acknowledged the fraud and to fill out papers.

I have a collection going on 6 years from Firestone. I sent them a PFD for half the balance (200, fullbalance, $460). They counter with a $324 but no PFD. How do I counter?

I GW''d Orchard and Cap One and nothing.

Any advise on each piece?? Please!

Slow day for everyone

Paid judgments can continue to report even after payment.

Don't dispute the inquiry. That's the fastest way to a fraud alert. Now if you really didn't app for it, then a FA may be in order. Do you think someone might be using your social? Do you own a Imagine MC? Maybe it came from a CLI request.

You send DV letters to CAs only, not the 3 CRAs or OCs. This is why you're not getting any results on that. A DV letter is allowed by the FDCPA to respond to a CA's claim you owe money.

If Sprint isn't yours then maybe you do have a ID theft issue going on. You may want to file a police report. You can use that report to dispute to get the items removed.

Firestone doesn't have to respond to a PFD yet alone accept it. I'd send it again for a higher amount. Also try varying your addresses; I'm sure Firestone has more than one location. Also try planetfeedback.com.

You are GWing two of the toughest companies. GL. Also vary your addresses. Try the CEO, VPs, etc of those companies. Send multiple GWs at once. Try calling. Try planetfeedback.com. I have been sending 12-15 GWs monthly to CapOne for two lates from 2002 with no luck at all. But I'm not one to give up either.

Re: So Frustrated!!!

Breakthecycle2 — Sun, 21 Sep 2008 03:15:38 GMT

Thanks for the advice! There must be some type of fraud here. I have filed papers on this already. As far as the DV letters go, I have been sending to the CA's and they are the ones not responding to me, but yet when I dispute them through the credit bureaus, they someone verify and I'm left in the dark.

Re: So Frustrated!!!

llecs — Sun, 21 Sep 2008 13:03:10 GMT

Breakthecycle2 wrote:
Thanks for the advice! There must be some type of fraud here. I have filed papers on this already. As far as the DV letters go, I have been sending to the CA's and they are the ones not responding to me, but yet when I dispute them through the credit bureaus, they someone verify and I'm left in the dark.

A police report will go a long way in getting those removed, otherwise they'll just be verified.