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 Posted: Thu Oct 09, 2008 8:35 am Subject: What next??? |
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Hi people,
I usually post my questions on the collection agencies forums but now i am facing my "next phase".
I pulled my free credit report from all three credit agencies back in May of this year. By the end of this month, i would have paid off 5 accounts that was charged off by the original creditor and sent to collection agencies.
By the end of November, (cross my fingers), I should have receive all my paid settlement letters from those collection agencies.
What is my next step to get this off my credit report? Since I already received my free credit report for the year, when should i order a new credit report???
I am trying to be proactive and see what i need to do now or if i have to wait 30 days for the paid in full papers to start arriving.
Thanks!
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changetobedebtfree
Joined: 19 May 2008
Posts: 108
Debtcc Points: 1149
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| Posted: Thu Oct 09, 2008 8:41 am Subject: |
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You can dispute anything on your credit report. They will remove it during the dispute. If it is not substantiated it will remain off. I would not dispute anything that you are waiting for a paid settlement letter on. It might backfire. I would suggest waiting on those first
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Adults and Kids Go Green in Frogpatch
www.frogpatch.com
Read here how to escape the Payday Loan trap.
http://hubpages.com/hub/Escaping-the-Payday-Loan-Trap
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frogpatch
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Joined: 09 Apr 2007
Posts: 3709
Debtcc Points: 30885
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| Posted: Thu Oct 09, 2008 9:35 am Subject: |
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You can initiate disputes at any time with all 3 CRA's. There is a page on each of their websites where you can initiate a dipsute. When you do, a new report is generated. Print the report and mail in your disputes. Do not use the online dispute process as the CRA's have the ability to suppress a tradeline making it appear that it has been deleted but it can show back up again if the data furnisher re-reports.
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Texas Residents
All CA's are required to post a bond with the SOS
http://direct.sos.state.tx.us/debtcollectors/DCSearch.asp
When requesting Validation, reference the FDCPA as well as Chpter 392 of the TFC:
http://tlo2.tlc.state.tx.us/statutes/docs/FI/content/htm/fi.005.00.000 392.00.htm
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NASCAR_Devil
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Joined: 20 Jun 2008
Posts: 2077
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| Posted: Thu Oct 16, 2008 3:12 am Subject: |
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I would suggest you to dispute the paid off charges with CRA to get them deleted. You can always do it yourself or if don't feel confident can take help of a repair agency. If going for the 2nd option, I'll recomend {link removed per TOS -DC} as it provides a money back policy and do facilitates disputing all negatives together.
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katrinaward12
Joined: 16 Oct 2008
Posts: 1
Debtcc Points: 12
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