Last Three baddies left- need your feedback...

[Bigdaddy69]

Hi everyone-

Down to my last three baddies.

Need a strategy to delete tradelines from all CRA-please provide any methods recommended.

I would really appreciate the feedback...

CBSA

Address: 
123 7TH AVENUE CNTR
STILLWATER, OK 74074
(405) 372-7270  Account Number:
xxxxxxxxx Original Creditor:
DR [Name of Dentist] DDS
  Address Identification Number:
xxxxxxxxxxx Status:  Paid,Closed.  Status Details:  
This item was updated from our processing of your dispute in Jul 2012.  Date Opened:
04/2011 Reported Since:
06/2012 Date of Status:
07/2012 Last Reported:
07/2012 Type:
Collection Terms:
1 Months Monthly Payment:
$0 Responsibility:
Individual Credit Limit/Original Amount:
$154 High Balance:
$154 Recent Balance:
NA Recent Payment:
NA

FIRST PREMIER BANK Address: 
601 S MINNESOTA AVE
SIOUX FALLS, SD 57104
(800) 987-5521  Account Number:
xxxxxxxxxxx   Address Identification Number:
xxxxxxxxxxxxxxx Status:  Account charged off. $424 written off. $424 past due as of Jan 2013.  Status Details:  This account is scheduled to continue on record until Mar 2016. 
This item was updated from our processing of your dispute in Jul 2012.  Date Opened:
03/2009 Reported Since:
01/2009 Date of Status:
01/2013 Last Reported:
01/2013 Type:
Credit card Terms:
NA Monthly Payment:
$0 Responsibility:
Individual Credit Limit/Original Amount:
NA High Balance:
$424 Recent Balance:
$424 as of 01/2013 Recent Payment:
$200

CO Dates Nov 2009, July 2012, and Jan 2013

CAPITAL ONE AUTO FINANCE

Address: 
3905 DALLAS PKWY
PLANO, TX 75093
(800) 946-0332  Account Number:
xxxxxxxxxx   Address Identification Number:
xxxxxxxxxxxxx Status:  Paid in settlement. $5,081 written off.  Status Details:  This account is scheduled to continue on record until Dec 2016. 
This item was updated from our processing of your dispute in Sep 2012.  Date Opened:
12/2006 Reported Since:
12/2006 Date of Status:
07/2012 Last Reported:
07/2012 Type:
Auto Loan Terms:
72 Months Monthly Payment:
$0 Responsibility:
Joint  Credit Limit/Original Amount:
$18,985 High Balance:
NA Recent Balance:
NA Recent Payment:
NA Creditor's Statement:  Account legally paid in full for less than full balance. 
  CO Date June 2009

[guiness56]

If they are paid the only option you have at this point is to send GW letters to those reporting.

[Bigdaddy69]

CBSA is a paid medical account- Can a Hippa dispute to the OC work?

FP is a CO but it appaears they charged it off three different times. Not a paid account. Tried GW but no success.

Cap1 auto- Tried CEO e-mail for GW no success.

Any other methods?

[guiness56]

It could but you'll have to google that.

The only way an account can be CO' 3 different times is if it was brought current then you became late again.  Did this happen?

No, if they are valid accounts, GW is the only thing you can do.

[Bigdaddy69]

FP is showing a payment of $200 but it was originally charged off in 2009 and I havent spoken or contact them.

[guiness56]

Can you post the TL from FP?

[Bigdaddy69]

Its in my original post. First Premier Bank

[dobirdsmommy]

First Premier just did the same to me. Updated it as of November on both accounts of mine with a 17.00 payment. NO WAY IN Heck did I pay them. I disputed it with them and sent a copy to the CRA. First Premier mailed me back and claims they have no knowledge of the payments.  My LO told me to leave it alone and see what UW wants to do with them. If not. DOFD is 8/08 and I am in NY. I will pay them and use the NY 5 year rule.

[guiness56]

---

@Bigdaddy69 wrote:

Its in my original post. First Premier Bank

---

Yes, I'm slow today.

I would suggest doing aFCRA  623(a)(8) direct dispute with them.  They have to investigate and let you know in 30 days of the outcome.

Sample format, mailed directly to the party who reported the disputed information:

 
“This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.

       ►       (If sent to a debt collector, (CA), it might  be beneficial to also include the blurb:

       ►  “This is a direct dispute of credit reporting. This is not a request for debt
              validation/verification  under FDCPA §809(b).”.  (don’t let them just simply sluff it off as a meaningless  DV letter)

“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at  16 CFR § 660.4, this Notice of Direct dispute includes:

 “Identification of the specific information being disputed:  (specify the account number, and the specific information that is disputed under  that identifying account)

“Basis for the dispute:

            (how the reporting was inaccurate;    was any reporting in violation of any statutory or regulatory provisions?  account or express agreements?  CRA reporting gudelines? Account not  yours? etc.)

“Supporting documentation:

            (all documents that support your dispute; it is recommened to also include,  as part of your documentation, at least a copy of the portion only of your
             recent credit report showing their reporting of the disputed information was actually reported to your credit flle.  The implementing rule suggests a  showing
             that it appeared in your credit report)