Debt Validation Workflow Chart

[Anonymous]

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fused wrote:

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

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Fused:

Just to be sure....it is okay if someone pms me with their email address and I send the link to them that way???

I really wish we could design our own flow chart and sticky it.  It is really a good way to explain the work flow to newbies.  I have referred to the chart numerous times and it seems to clear the "fog" for me!

Thank you!!!

[fused]

Yes, that would be fine. Just no personal info in the public fora.

[mporter13]

Please send me a copy of the workflow. Thanks in advance.

[Anonymous]

Just wanted you all to know that I got the email addys and I will be sending you guys the link tonight.

Please be sure to post here once you look at the workflow chart so others will know how valuable it is!

Thanks

[llecs]

I know what flowchart you are talking about. Speaking from personal experience, it is a bad idea. When I first started repair, I followed the chart to a "T". Without going into what I did, DW's and my CRs suffered irrepairable damage, including harm to our scores. For anyone reading this (and this thread may go away real soon), I'd caution you otherwise on using and following the worksheet.

[fused]

I agree with Ilecs. I don't agree on doing a simultaneous DV and dispute..I learned the hard way months ago while helping a family member. It's always better to DV the CA first and see if they can validate, if they can't great, dispute time. If they do validate consider a PFD.

The problem with disputing to early is that the CA can sit back and laugh at you while you are expected to provide proof to the them to back-up your dispute with CRAs. Sort of like you validating your own debt...that's really bad. With a stand alone DV, the burden is entirely on the CA to validate, and without your assistance.

[Anonymous]

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fused wrote:

I agree with Ilecs. I don't agree on doing a simultaneous DV and dispute..I learned the hard way months ago while helping a family member. It's always better to DV the CA first and see if they can validate, if they can't great, dispute time. If they do validate consider a PFD.

The problem with disputing to early is that the CA can sit back and laugh at you while you are expected to provide proof to the them to back-up your dispute with CRAs. Sort of like you validating your own debt...that's really bad. With a stand alone DV, the burden is entirely on the CA to validate, and without your assistance.

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Okay, that is real good advice.  Other than the point(s) mentioned do you think the workflow chart is handy in understanding the overall process.

I will be sure to tell everyone to go back and read this thread in it's entirety before doing any credit repair work using the workflow chart.  How does that sound to you Ilecs and fused????  If you have any other suggestions on the chart, please let us know, so we can follow your advice.

I just thought the chart should the workflow clearly, once you get past the initial steps you both have pointed out.

[fused]

I will ask the admin about pinning a new and improved flow chart. If we get the go ahead, I will ask some of the other mods to assist me...be patient though, this will take time.

[Anonymous]

would like the chart also :0

[Anonymous]

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fused wrote:

I will ask the admin about pinning a new and improved flow chart. If we get the go ahead, I will ask some of the other mods to assist me...be patient though, this will take time.

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That would be FABULOUS.  A picture is definitely worth 1,000 words to those of us who are visual.