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After checking my credit report....

Date: Wed, 05/02/2007 - 14:09
Submitted by Ang on Wed, 05/02/2007 - 14:09
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i found 2 different Chase accounts charged off, which i posted here when i saw this. I've only ever had ONE Chase card that was charged off and turned over to CACH which has filed suit against me for the higher of the 2. ($9,400) Anyway after getting suggestions from you guys i disputed the higher of the Chase on my report and also disputed the CACH since they have refused to validate this claim. Today i went back to check my credit report and low and behold that HIGH chase account is gone!! The CACH is still there saying it's being disputed. Ok so now the $10,000 question is, can CACH still sue me on this? Since the beginning of all of this i've disputed with CACH that the amount was WAY over what i actually owed. I believe I owe $4043 they say $9,400, the one that has been removed from my credit report. As you can tell this is a bit confusing and overwhelming to me!
thanks for any advice once again!
Ang


How do i go about doing this? I have sent CACH 2 separate letters asking for validation and have NEVER heard from them! I know i DO have a court date set for May 29, 2007 which i plan on being there since i negelected this for so long! How does the credit bureau know CACH has NOT validated this debt for me? I did tell them that in my dispute that i filed after seeing my credit report. (couple weeks ago now) The one Chase that was EXACTLY the amt CACH says i owe is now gone! Now the other one which i believe is what i really DO owe is still there. I've never disputed that one. Should I? And if so, dispute on what grounds? Also on the suit filed CACH states that BankOne is the original creditor, i've NEVER had a credit card from BankOne!
Ok, sorry i am rambling now and jumping from one thing to another! Just trying to understand this better, it is a bit confusing to me!


Submitted by Ang on Wed, 05/02/2007 - 14:26

Ang

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Oh WOW, i just noticed another medical that i sent request for validation is now off too! So, now that clears me up except for CACH and the Chase that i believe to be legit. Guess I didn't notice it at first cuz i was SO thrilled to see that huge Chase gone!


Submitted by Ang on Wed, 05/02/2007 - 14:42

Ang

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I have already replied in the other post. You need to dispute the item with the credit bureau. Let them know that CACH has failed to validate your account and is reporting on your credit without an unauthorized purpose. Include in the letter that you have already disputed this item with them earlier but it hasn't been fixed yet.


Submitted by a_neblat on Wed, 05/02/2007 - 14:50

a_neblat

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Ah yes, I did dispute the item with the bureau that CACH has NOT validated this for me. Sorry, didn't remember it was you who gave me the advice. I guess it's been about 2 weeks now, and i think it says it can take up to 30 days to investigate so i will be keeping a close eye on it!
Thanks, I truely appreciate your help!
Ang


Submitted by Ang on Wed, 05/02/2007 - 14:54

Ang

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