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RobsFico wrote:Thank you very much. I have learned much here just as a lurker and will continue to do so. As soon as I receive the (hopefully positive) results of my TU investigation, I will post up.I must say, I was a bit apprehensive going into this dispute process after having read a few posts by members regarding their bad results in dealing with this type of thing. I'm glad now I chose to use the "normal" dispute process as opposed to contacting the CA or OC directly since in my case, this was (to me at least) a clear case of mistaken identity. Talk about a sigh of relief. More so since I am contemplating a home purchase in the upcoming months.
llecs wrote:Congrats!!!!!!!!!!!!!!!!!!!!!!
llecs wrote:If you hadn't disputed, I would have advised you to either wait and send a DV or file a police report and then dispute.Why DV? You place the burden on them to validate. If they do, then dispute would be next step along with letters to the BBB, FTC, etc. Plus it give you a chance to see info from the OC and you can prevent them from selling the info to another CA, if it were to happen.Or dispute? I would have recommended a police report. CRAs have a nasty habit, from what I read in here anyway, of verifying non-legit debt. A police report would make it more official. Nobody is going to risk jail time by filing a false police report. Plus, if there's an ID theft issue, you've taken the first necessary steps. Moreover, if the CRA came back with "verified", then disputing again could eventually come back with a "frivilous dispute" claim by the CRA, then you would be stuck.But I am glad it is working out for you. 100 plus points is huge.
RobsFico wrote:Thank you very much. I have learned much here just as a lurker and will continue to do so. As soon as I receive the (hopefully positive) results of my TU investigation, I will post up.I must say, I was a bit apprehensive going into this dispute process after having read a few posts by members regarding their bad results in dealing with this type of thing. I'm glad now I chose to use the "normal" dispute process as opposed to contacting the CA or OC directly since in my case, this was (to me at least) a clear case of mistaken identity. Talk about a sigh of relief. More so since I am contemplating a home purchase in the upcoming months.
llecs wrote:Congrats!!!!!!!!!!!!!!!!!!!!!!
@RobsFico wrote:Yikes!! Just purchased my EX score.826! Even better than I expected.Now have to wait for TUs response by mail. Fingers crossed.
Just watch out for the rabbit!
@Anonymous wrote:
@RobsFico wrote:Yikes!! Just purchased my EX score.826! Even better than I expected.Now have to wait for TUs response by mail. Fingers crossed.
Wow!!! That is great. You are only 14 pts away from the holy grail!!
@Anonymous wrote:
@RobsFico wrote:Yikes!! Just purchased my EX score.826! Even better than I expected.Now have to wait for TUs response by mail. Fingers crossed.
Wow!!! That is great. You are only 14 pts away from the holy grail!!
RobsFico wrote:Yikes!! Just purchased my EX score.826! Even better than I expected.Now have to wait for TUs response by mail. Fingers crossed.
scramblingin2007 wrote:
RobsFico wrote:Yikes!! Just purchased my EX score.826! Even better than I expected.Now have to wait for TUs response by mail. Fingers crossed.Wow Rob, that is a beautiful score! How did you achieve that score? I would love to know! You must have a pristine credit report! I am very jelous! (sp)