What a mess!!

[thotgal320]

Okay so I have been fighting several accounts all at once. I know not a good idea talk about being stressed. It has been 2 months here goes, one account never validated they same company different account number I never disputed but got a letter account not found. Killed two birds with one stone right time will tell.


Sent out 2 PP letters to 2 different company's about "hard inquiry" no response so do I now get a lawyer or continue to send letters? Good news with what I have been doing paying bills on time, paid off lots of CC score went from 502 to 592 (Equifax) with the help of the forums of course. Especially HappyDays, Lady_Scarlet and many others for the letters and encouragement.

I am ready to just take everyone to court. I called TU and they claim they validated it several times and I need to dispute once again on the two account even though I have a letter stating the CA cant find the account. When I asked how it was validated they said your name and SS#. I told them that wasn't enough and I asked for much more then that from the OC. So the fight continues.

[Anonymous]

Send TU a MOV.

[Anonymous]

Not time to sue....you need a paper trail.  a phone call is he said she said.

Have you disputed *not mine*  and included a copy of the letter? 

[Anonymous]

OK, im losing it. what is MOV?? I dont see it on the abbrev list.

[Anonymous]

MOV is method of verification, or method of validation. Basically a letter sent to the CRA asking them to explain exactly how they verified the info.Good idea to send it Cert mail. You can search for sample MOV letters on the forum or google. Heres a helpful link http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=6237

[thotgal320]

I did sent a MOV to the CRA that verified it on the 22nd of March. My mistake there was a didn't send it CMRRR I just figured this letter that I got from the OC would be key. I did put a package together with all the GC, receipts, and several letter dating back since January 18 up until now (all copies).


The 3 CRA will get them CMRRR and with Exquifax I included DL, utility bill and W2 form and they are going out first thing in the morning on my way to work. I have another question I noticed on the report that I pulled today was originally CO and it is now marked R/f (Repo/foreclose).


This account is a utility bill (phone) how can that be it just doesn't make any since to me. Does it make since to anybody else?