Hi all
I wrote a little intro a few minutes ago and now I am getting together my specific questions.
I am anxious to dig in and start writing my disputes.
So how to start?
I have my reports, I know what I want to dispute and why...but what now.
I do not feel comfortable with the online submission forms from the CRAs, and the dispute form here on my fico seems to easy
I want each one to be taken seriously and fear sending in a "list" of issues will fall by the wayside vs individual letters. Certainly it will take more postage, but seems worth it if it helps.
What about the Collection agencies or creditors?
Should I bother with them at all or only dispute to the CRAs? I have always had the basic attitude of not talking to ANY collector as I have never known any good to come from it!
My plan was to dispute all I could, get removed what is possible and offer PFD letters to all others that I can afford to pay.
I dont plan on paying off any collection that wont delete.
I also don't really understand debt verification as it seems all they do is say "yes we verify this debt" what exactly does that prove when i am saying that a particular debt inst even mine?
Ex: I supposedly owe a debt to a mail order catalog I would never in a million years have ordered from. What proof do they need to supply to show it is my account?
A signature? anything?
I have read the intro threads and know the basics, but it seems to me that many have differing opinions as to the best way to dispute, so what i am looking for really is personal opinions as to the best most effective way to do this and be taken seriously.
Thanks so much,
Annie
I wrote a little intro a few minutes ago and now I am getting together my specific questions.
I am anxious to dig in and start writing my disputes.
So how to start?
I have my reports, I know what I want to dispute and why...but what now.
I do not feel comfortable with the online submission forms from the CRAs, and the dispute form here on my fico seems to easy
I want each one to be taken seriously and fear sending in a "list" of issues will fall by the wayside vs individual letters. Certainly it will take more postage, but seems worth it if it helps.
What about the Collection agencies or creditors?
Should I bother with them at all or only dispute to the CRAs? I have always had the basic attitude of not talking to ANY collector as I have never known any good to come from it!
My plan was to dispute all I could, get removed what is possible and offer PFD letters to all others that I can afford to pay.
I dont plan on paying off any collection that wont delete.
I also don't really understand debt verification as it seems all they do is say "yes we verify this debt" what exactly does that prove when i am saying that a particular debt inst even mine?
Ex: I supposedly owe a debt to a mail order catalog I would never in a million years have ordered from. What proof do they need to supply to show it is my account?
A signature? anything?
I have read the intro threads and know the basics, but it seems to me that many have differing opinions as to the best way to dispute, so what i am looking for really is personal opinions as to the best most effective way to do this and be taken seriously.
Thanks so much,
Annie