Debt Validation Workflow Chart

[Anonymous]

I have a link  for an excellent, easy to use DV workflow chart I found while looking through whychat's site.  I believe it is for non-medical debts....this flowchart has made it easier for me to follow the procedures for non-medical accounts that have been placed for collection. 

If anyone would like the link pm me and post a reply here. I will get it to you right away. The chart is printable.

After you view the chart come back and let others know what you think about it!!!

[Link Edited]

I know all colIections/error/etc don't fall into a simple workflow.  However if we could develop workflow charts like this for simple medical/non-medical/OC/CA it would help alot. 

Edited to remove link to credit repair site. - sidewinder

Message Edited by sidewinder on 07-20-2008 09:41 PM

Message Edited by kidshelper on 07-20-2008 11:47 PM

Message Edited by kidshelper on 07-21-2008 12:30 AM

[Anonymous]

Very helpful visual.  Thanks

[Anonymous]

Friendly reminder- please do not post links to other credit repair sites.

You can read the credit repair guidelines, TOS, and user guidelines here:

http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=21

Thanks for your understanding and cooperation.

-sidewinder

[Anonymous]

I would ver much like to see the workflow. I've been searching the boards for an easy to follow letter/steps to start the process of cleaning up credit. Thanks!

[llecs]

---

solavi3 wrote:

I would ver much like to see the workflow. I've been searching the boards for an easy to follow letter/steps to start the process of cleaning up credit. Thanks!

---

It is simple, if you are ready to tackle repair, and you have the $$$ to PIF, if it ever came to that, then start by DVing each CA. If they validate to your liking, then offer a PFD for removal.

Per OCs, if you agree that you had an account with them, then offer a PFD.

Following this simple process, between DW and myself, we removed about 6-8 CAs, about 4-6 CO accounts, and we just have one CA each left and one CO each left, excluding one paid CO on DW's. My scores peak at an increase of 160 pts on avg (dropped since due to util and new credit) and DW's increase by 120-150 points and has stayed steady in the upper 600s. We just used the letters in here, and tweak a few things as needed.

[Donks3369]

Kids,

Can you send me a copy?  Thanks.

[fused]

Another mod, Sidewinder, has already posted a warning about not posting links to credit repair sites...the SAME goes for PMs. We are watching and reading!

Now back to the topic on hand, what the OP is referring to is the 1-2 punch. A DV to the CA and dispute with the CRA. I'll see about pinning a thread on this topic.

Message Edited by fused on 08-06-2008 02:13 PM

[Anonymous]

---

fused wrote:

Another mod, Sidewinder, has already posted a warning about not posting links to credit repair sites...the SAME goes for PMs. We are watching and reading!

Now back to the topic on hand, what the OP is referring to is the 1-2 punch. A DV to the CA and dispute with the CRA. I'll see about pinning a thread on this topic.

Message Edited by fused on 08-06-2008 02:13 PM

---

OMG, I didn't realize I couldn't PM the info either.  Please, please don't kick me off the forum.  I promise not to do this again.

Can we try it this way, anyone wanting this information is welcome to email me.  If you would like my email address just PM me and I will be happy to send it to you, or send me your email address and I will send it to you.

I am sooooo sorry for violating any rules.....

[fused]

It's all good! We appreciate your understanding and cooperation!

[Anonymous]

just sent you a PM. i will appreciate your help.