Credit Repair Mistake

[malbone60]

Instead of reading as much as I already have, I got my three credit reports through annualcreditreport.com and submitted online disputes with each CRA.

in each dispute box, I picked a very general reason and just said

"not mine"

"i dont know what this is"

or

"i paid this collection"

Now I know I should have just sent a verify or remove letter to begin with to a paid report to each CRA.

Depending on what each CRA comes back with in response to my online disputes, is there anyway I can send a follow up letter after the fact off of a new credit report I pay for that states something along the lines of

"I was just frustrated with my credit and being denied and inititated a bunch of disputes without actually looking/verifying each one", then follow that with a letter for verify or remove?

any help , please!

[jjgross]

Originally Posted by malbone60

Instead of reading as much as I already have, I got my three credit reports through annualcreditreport.com and submitted online disputes with each CRA.

in each dispute box, I picked a very general reason and just said

"not mine"

"i dont know what this is"

or

"i paid this collection"

Now I know I should have just sent a verify or remove letter to begin with to a paid report to each CRA.

Depending on what each CRA comes back with in response to my online disputes, is there anyway I can send a follow up letter after the fact off of a new credit report I pay for that states something along the lines of

"I was just frustrated with my credit and being denied and inititated a bunch of disputes without actually looking/verifying each one", then follow that with a letter for verify or remove?

any help , please!

your going to have to wait until they report get the findings then nail the ca's for submitting false information to cras.All the cra's do is report what there given even if it's wrong they don't care.So you have to make the ca's remove it.Takes time.

[malbone60]

what is CA vs CRA ?

[chane]

Originally Posted by malbone60

what is CA vs CRA ?

CA = collection agency
CRA = credit reporting agency (or consumer reporting agency)

[malbone60]

but i havnt disputed anything with an CA's, ive paid them all off, settled for less balance due


so do you send verify or remove letters to cas, wait for response, then follow up with the same letters to the cras

or

when you send a verify or remove letter to the ca, if they cant prove it, they notify the cras, then pending if one of the cras doesnt actually update you follow up with them additionally?

[chane]

Originally Posted by malbone60

but i havnt disputed anything with an CA's, ive paid them all off, settled for less balance due

so do you send verify or remove letters to cas, wait for response, then follow up with the same letters to the cras

or

when you send a verify or remove letter to the ca, if they cant prove it, they notify the cras, then pending if one of the cras doesnt actually update you follow up with them additionally?

Validation letters get sent to CAs. Verification letters get sent to CRAs. Never send them the same letter. Read this again:

http://aaacreditguide.com/forums/beg...it-repair.html