30 days or report to BBB

Hi shirley,

Good to hear that you are trying to repay your debts. It's really surprising that the CA is not responding to you and seems to be not interested to collect the debt. You can contact your OC and inform them about the fact, but as the account is sent to collection agency already, OC won't take any interest in it.

You try to call the CA this time, as you have already sent some letters and have not received any reply.

Quote:

Thanks Bryan, I guess I'm doing pretty good at covering my basis. I have copies of all letters and pay stubs on this account. Just in case I ever have to prove anything--I can show that I have tried to take care of this account. IF OC hasn't 'sold' this account and CA is 'in house' then maybe by writing the OC, they will tighten up and we can start to work on this. again, its so weird that I'm not hearing anything---period. no threats, no phone calls, no letters...and when I write them and send them money---nothing. I am going to see what happens next and if nothing, then I'm going to lay low about it. BUT will still hold on to records just in case it rears its ugly head up later down the line.
Thanks for listening! this group is awesome, I have learned so much here!!!! Shirley

Shirley, there is a provision by law that if some information appearing in your credit is hurting you and that the creditors or the collection agencies are unable to provide you the necessary information, you can get it removed from your credit file.

Since you have tried in every possible way to communicate with the said companies and they are not responding to any of your mails, you can explain the situation to the bureaus and get this item removed from your credit file.

Regards
Roxette

thanks Roxette, I will surely get started on that! thanks for the info. as always, you're awesome! thanks, shirley

Thanks Shirley.. :D Keep in touch

I have been doing alot of thinking and have decided to contact the credit bureau about this account (the account from which this thread originated-wells fargo financial) and the dell accounts. Wells fargo has said this account is with a 'in house' collection agency, which doesn't make sense to me. But if so, their communciation skills suck--big time, and they don't seem too interested at all, in trying to get their money back. This was a secure loan for $2000. and well, you remember, all too well, the Dell accounts. So I'm thinking of contacting the credit bureau and seeing what can be done from there, if anything. Obviously I'm beating my head against a brick wall with trying to deal with CAs and OCs on these accounts. This might not get me anywheres, but its better than not doing anything at all. At least I feel I'm trying. :roll: shirley

would it be best to write letter and send certified or go to website and make disputes--or even both?

That was my 100th post here in the group!! :D :D :D

Shirley

It's good to see you posting in the forums. How are the letters (communication) to the credit bureaus going? You can also make a complaint against the collection agency ignoring you, with the BBB.

Also, "in house" collection just means that they have their own collection department, which is probably just a different area of their call center. Although its still a collection department, they're usually better to deal with than an outside agency.

Regards-
Mike

Wow! Congratulations, Shirley :D :D. We wish you to see with a lot more posts from you.

Hi Shirley, great to hear from you on the 100th Mark :D

Quote:

thanks Roxette for your thought in my matter. I am getting myself together now to start letters to credit bureaus. I am going to have a couple of days family time and then try to tackle it. I will need to send letters to all three credit bureaus, correct? I was thinking of drawing up the letters (not sure how to go about that--do I go into full details or is there a proper 'form' way I should do it) and if I don't hear anything after that, back myself up with going on line and posting same complaints/disputes with another certified letter to follow asking for verification-as you suggested. But one step at a time here...have to get the letter drawn up first and go from there. also, how do I go about putting the 100 word statement in my credit file? and is it only ONE statement to explain problems or do I get to make a statement on each problem? thanks!!! shirley

Shirley

You can send a letter to all the bureaus with the following matter.

Quote:

thanks Roxette!! On the 100 word statement, is it one statement to cover ALL of the charge-offs, or is it separate statements for each charge-off? and any one that I apply credit with, will see this statement regarding all of the 'charge-offs'. thanks! shirley.

P.s. Hope you had a great thanksgiving!!!!!!!!!!!!

You will be given 100 words to describe the complete scenario. It will be your choice to frame the words that will get conveyed to your future lenders.

Yes, all the future lenders will be able to view this 100 word statement attached in your credit file

Also, I want to add.....unless these Dell financial accounts (the ones I have been begging for validaion from with no response) become a problem and the one wells fargo account(the one that 'finally' cashed my check but still has yet to correspond to my letters)---become a problem for me, the year 2006 looks like it will be a positive year from me!! a few of the charge offs are almost paid off, while others are starting to come down little by little each month. As soon as I get the small ones paid off, I will put that money into the bigger ones and get them paid off faster. between me paying them off and getting that put on my credit report (that I paid accounts off), and me disputing things with the credit agency, it should all come together. I am hoping!!!! as I said, if the bottom doesn't fall out from under me on these other accounts, things will look real good for me this upcoming year. I am actually looking forward to paying everything off! hugs, shirley

Shirley,

Quote:

Okay---have jumped right into the letter writing mode today and have several to write. I need advice in how to go about doing this. Roxette, you gave me a layout letter to send and thats what I'm going on.

What I need to know is this. After looking over my recent credit report---I noticed that accounts that are MINE and in my name ONLY, are on my husbands report, but also on mine as well??? If there a reason for this? I was going to tell them to take these off. They aren't joint and I don't understand why they have them under both names??
Sams club is mine and mine only, but they have it listed under both of our names and they're the ones that just took me to court so I will have a judgement now showing---and it will be on his as well as mine-when its my account. also I have a BP gas card---very close to being paid off, but it is listed on both.

Can I dispute all of this above PLUS all
of the dell accounts, the one wells fargo, all in the same letter? just make a list of it all?

Then it has to go to all three bureaus. Plus then I have to dispute the wells fargo on MY report along with the one Dell account on mine--and that also needs to go to all three agencies. So six letters going out to credit bureaus.

Please let me know how to handle this? thank you, shirley

******Also********
Under hubbys report----get this!!!
They have him having an alias name
"Formerly Known as" Vincent David Bland?????????
and the address as being the house across the street from us. This was reported in 08/1999.

Okay, so someone tried to steal my husbands identity and get credit under his name and apparently, its the people that live across the street from us.

Further more, its my husbands brother that lives in that house. His sister was living over there too, before she died.

so, someone uses my husbands name and they just automatically put it on the report. wow, how easy would it be to help screw someones credit up! But everything on the report is ours, nothing that doesn't belong to us, as far as what I can tell. We have some old stuff thats been paid off, but I wasn't going to ask them to take it off, since its good stuff that we did right on. doesn't that help my score and show creditors that at some point before this mishap, that we were good debt paying people?

So, can I dispute ALL of this on the same dispute letter???

I have one other account to dispute as well. Was just wondering if I could do it all at once??


thanks for putting up with me guys! shirley

Quote:

thanks Roxette. I will do it this way and give them sufficient amount of time to investigate everything. I'm anxious to find out what they tell me about the Dell accounts. Dell says that can't help me, yet ca won't answer validation request (still haven't after sending two request---but the one 'oxford' still calls my house every day, even after sending certified Validation request and no phone calls/written correspondence only). And this is just the current CAs that have the accounts---lost count on how many have had them _all together_. Then the one wells fargo that STILL has yet to correspond to me and I had to threaten them to get them to take my money-still nada from them. so we'll see what happens. It can only get better from this point. If they can't do anything, then its not any worse than what it already is. right---seeing the glass half full here.

thank you! shirley

Shirley, considering the last option, if nothing works well from the side of the bureaus as a result of the dispute, you have the rights to add a 100 word statement to your report. Before that, the bureau has to give you the results of the investigation done on these accounts. They just can't write saying that the entries are correct. They need to prove it, otherwise you can report the matter to the FTC.

Once you have added the 100 word statement, anyone viewing your file will come to know that the information is disputed. Once it is attached in the file and the dispute is reflected, usually all creditors co-operate with the consumers. If anyone does not, call the state attorney general's consumer-complaint hotline.

So, even if these accounts aren't able to come off of my report, at least by disputing them, some good still may come out of this. Might force them to co-operate with me!

You request the bureaus to verify the items that are disputed. If they don't serve you positive results, you have your reasons to place the 100 word statement.

Ultimately, if you look at it deeply, the items that are disputed should either get removed from the file or should be put at 'disputed'. Your credit worthiness should not be affected due to this dispute.

Okay, have a question. This is the CA that hasn't responded to any of my letters, even certified ones. I mailed them two payments in the form of money orders, didn't hear anything back, was concerned so mailed another payment but by check this time and it took them months to cash it, and this was after I had to get forceful with them. I've yet to hear anything from them. The last time I wrote them was certified on October 27, 2005. I was requesting something in writing stating that we had an agreement. nothing. so now what, if anything, should I do? just sit tight? I am disputing with the credit bureaus and explaining all of this with them. Is this all I should do for now? thanks, shirley

Okay, one more question regarding writing the credit bureaus. Am I suppose to enclose a copy of my credit report to them with all of this highlighted, or can they check for themselves? I received a free copy of my report from equifax but have nothing recent from TransUnion and Experian. The last one I had obtained from other two was several months back and everything that I am disputing is also on their reports.
Can I just list the items? thanks, shirley

Also interesting that now that I am actually typing all the Dell financial info down from credit report, they have the same account number listed three times as three separate accounts with different amounts and balances. also they're showing five accounts on my husbands---thought there were only four---one either doesn't exist or fell through the cracks somewhere.

Shirley,

It will be enough to mention your name, address and SSN# number while you are disputing with the bureau. They will search for the information in the system and review your dispute. It is not necessary to enclose a copy of your credit report for this purpose. Just list the items that you have put on dispute.

thanks for all the info Roxette.

I have been a busy little beaver! I got all six letters done to the credit bureau (one to each bureau for me, and the one to each for hubby), also, remember the phone call that was in question last week? I went ahead and wrote them questioning who they are, explaining my no phone call policy along with validation request. Then got a letter on monday from a lawyer to hubby--don't know what thats about--so sent them off a validation letter as well. eight letters sent certified return receipt. cost about $35 and some change. but if I'm going to try to take care of my business, have to make sure I do it the right way. I was right in sending the letters to the bureaus that way, right? (C&R)
thanks, shirley

I can feel the costs but you know, these are covering your basis and hopefully averting painful moments that can arise later.

Yes Shirley, your letters sent to the credit bureau will give you results for sure.

well, if I have this right, they'll send me a report of their investigations...will that be inside their credit report? what I'm asking is, will they be sending me a credit report to reflect any changes? just wondering, this is the first time I've ever done this before. Come january, I rate another free report but will wait and use it later when I need it, if they're going to be sending me one.

thanks, shirley

Shirley, usually in the process, the CRA either sends an updated credit report or if they find that your dispute is not valid, they will send you a document highlighting their part of the investigation done. So, if they consider your dispute to be void, they need to show proof.

Thank You Roxette!
I know for a fact, they'll have at least three things to change that are incorrect. Very interested in seeing how all of this washes out. Almost excited about it. looking forward to the outcome of what their investigations turn up. I really am trying to do right and get my affairs in order. These investigations may prove to be in my favor.

thanks again for all the info!!!! this group is awesome! shirley

Shirley, normally, you will hear from the bureau within 30 days. If they fail to respond by that time, you have to send a follow- up letter. But this happens in rare cases. I am assuming that you will get desired results within time.