What an interesting week in credit repair.
-Experian finished investigating my disputes already. It wasn't supposed to be done until Feb. 15th! In any case, I got 2 negative tradelines deleted...one collection agency and Wachovia, who was listing a chargeoff. RJM Acquisitions verified BOTH of their tradelines. I really don't like them.
-The DV/demand delete letter I sent to CACH got returned to me as undeliverable. I sent the letter to the address they have on my credit reports...all of them. It's also the same address that's the Better Business Bureau has for them. Hmmmm something is fishy. I wonder if I can use that to get them deleted.
-Speaking of CACH, they updated their tradelines again for the month of January. More violations. I guess the next thing to do is file a complaint with the BBB and the state attorney general.
In the meantime, I will still waiting for responses from Capital One andMacy's for the goodwill letters I sent to them. Oh yeah, and the investigation periodto end for Equifax and TransUnion.
Tomorrow I gues i will figure out what to do next. As for now, I'm going to the movies. lol
Letters!
Today I sent out four letters to various companies:
CACH: I sent them a debt validation letter back in summer 2008 and they never responded. They did however send Financial Recovery Services after me. They also updated their tradeline every month on my reports. All this is illegal per the FDCPA. SS today i sent a letter CMRRR informing them of their violations and have given them 10 days to delete. If not I will report them to the BBB, ACA, and the state's Attorney General. if that work... well we'll see.
Financial Recovery Services see above.
Capital One: Last year I let my Cap One card go over its limit and they ctook away my charging priviledges until I paid the balance. I eventually paid it but they never reinstated it. I sent a letter to them requesting a reinstatement of the account in order to re-establish my credit.
Macy's: This is one of the accounts I regrettably let charge off. In this letter I am requesting verification of the account and trying to stroke a deal that if I pay the balance, thhey should open a new account for me. Hopefully it works.
CACH: I sent them a debt validation letter back in summer 2008 and they never responded. They did however send Financial Recovery Services after me. They also updated their tradeline every month on my reports. All this is illegal per the FDCPA. SS today i sent a letter CMRRR informing them of their violations and have given them 10 days to delete. If not I will report them to the BBB, ACA, and the state's Attorney General. if that work... well we'll see.
Financial Recovery Services see above.
Capital One: Last year I let my Cap One card go over its limit and they ctook away my charging priviledges until I paid the balance. I eventually paid it but they never reinstated it. I sent a letter to them requesting a reinstatement of the account in order to re-establish my credit.
Macy's: This is one of the accounts I regrettably let charge off. In this letter I am requesting verification of the account and trying to stroke a deal that if I pay the balance, thhey should open a new account for me. Hopefully it works.
Dispute Round #1
On Experian, out of the 15 derogatory marks I have on there, I disputed 6 of them: RJM Acquisitions (they have 2 baddies on there), Wachovia, Nationwide Credit Services, Credit Protection Inc. and Verizon. I tried to dispute CACH and AFNI but Exp. wouldn't do it because they were "previously investigated" which is a violation of the FCRA.
I can't remember what I disputed on Equifax. lol... same with TransUnion. Probably the same things.
let's see what happens.
I can't remember what I disputed on Equifax. lol... same with TransUnion. Probably the same things.
let's see what happens.
It Starts!
Today is the day that I kick my credit repair off. I'm tired of not being able to buy something without having to all out pay cash for it. I'm still pissed that I wasn't approved for a mortgage, especially when I know I can afford one. So here we go....
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