The_Network wrote:
@llecs wrote:
@Anonymous wrote:
If you ARE passed your SOL then ask yourself "Are you in big hurry to get these off your credit". If now I would try a couple rounds of disputes first. If those fail or you are in a hurry try a PFD but start at a much lower amount (like 30%) and make sure to let them know you are aware the account is passed the SOL. And if you are doing because you are trying to buy a house are car, DO NOT let them know this.
Would you advocate disputing accurate info?
I'm not advocating anything. That is more of an ethical question than a credit repair question. I would say that if you feel you have fulfilled you debt obligation and the creditor is still jerking you around then I would dispute with any reason that I think would work. For example I had a Providian credit card with a $200 limit. I paid at least $1000 to that card after I fell behind in payments because I lost my job. And when it finally charged it off, they claimed I owed them $3500. That is usury plain and simple. Would you advocate usury?
Disputing with "any reason you think would work" when the account is accurate and advising others to do the same is advocating disputing accurate information, something that is prohibited on the forums.
If you feel you don't owe, that is another story and another situation in itself.
If the account is not reporting accurately, then you have a reason to dispute. Because you feel you were "wronged" by them is not a reason to dispute, that is a reason to file a complaint with various sources, seek the advice of an attorney, or file suit.
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