7 1/2 Years?

[chane]

Originally Posted by wingsfan76

Can you dispute the same issue more than once, and does the CRA have to show me the proof they got from the bank?

You can dispute it as many times as you want. However, if you dispute it too often, they will mark it as frivolous. "Frivolous" doesn't mean you can't still get it removed, it just means it will be harder and litigation or getting the FTC involved will probably be the only way.

The CRA has their own interpretations of the FCRA and in my opinion violates our civil rights on a daily basis. They will doubtfully ask for proof from the bank. More than likely they will ask the bank "Can you verify it? Yes or No?". The bank checks "yes" and it's verified.

Should I go with validate then dispute or just dispute.

That's your decision, really. From all the stuff you have learned here, what do you think you should do? There is no right or wrong answer really. I would probably do both - but remember, I am not a lawyer and none of this is legal advice.

As far as hiring a lawyer, you would definitely want to talk to a lawyer who specializes in credit. There are very few. And the ones that do exist will usually only take your case if they can make a lot of money from it by suing the credit bureaus or your creditors. That's not always a bad thing, but if you just want to get negative items removed and don't really want to sue anyone, then I would either:

a) learn this stuff yourself - as Trish said, it's really not that difficult, but it will consume some of your time. It's worth learning though.

b) hire Lexington Law - I realize that not everyone is as into credit repair as I am. I realize that most people don't want to learn this stuff. For those people, I recommend Lexington. Lexington Law is simply the best and has the most experience of any credit repair service by far.

I have met the CEO and I've visited their headquarters in Salt Lake City. There staff is amazing and their knowledge of this industry is second to none. You will read lots of false information about Lexington Law online, but I assure you they know what they are doing - they are also very inexpensive.

[wingsfan76]

I have been considering Lexington, Thanks for all your help.

[jjgross]

Originally Posted by wingsfan76

Can you dispute the same issue more than once, and does the CRA have to show me the proof they got from the bank?

Should I go with validate then dispute or just dispute.

Yes but once you dispute the bank has to notify you they verified.Trish is that correct.if you dispute the same thing they'll flag your account.Just a word watch the movie maxed out you'll see how much influnce the banks have over congress.

[Trish]

Yes
I have had that happen because I disputed the same TL 3 times in a row (as soon as the investigation was finished). TU is the CRA that does that.
EX will give you the "previously investigated" BS.

If that does happen, you have to hold on disputing that TL for at least 3 months before trying again.

So be careful. If you dispute the same TL again.....make sure to dispute it for a different reason.

[wingsfan76]

Thanks, I Have 5 lates from a couple of years ago on my mortgage. They show as 30+ days on CR but they were paid within the grace period and when i called MC they said they reported correctly. My question is should i validate with the OC (mortgage since been sold) first, then a week later dispute with CRA's, if so could someone turn me onto some starting-point validation/dispute letters. I've seen the ones here and on some other sites but none are even close to matching my situation. The OC was WaMu and they were, as are most creditors never consistant with sending out statements so i don't have Doc's to support my case.

Thanks again....

[Trish]

So you are wanting to dispute lates? (just making sure)

The one thing you may want to be aware of is when you dispute something on a GOOD TL, you are risking having the whole thing deleted. I've just seen it happen.

I really think in this situation you should try goodwill letters first. Keep calling, write letters (go up on the chain to an exec like a Pres. or CEO) or send emails. BE PERSISTENT. Don't give up on the first "no". Some people have had to try for months but eventually got a sympathetic ear.

Another thing I want to mention is that you never want to send an OC a standard DV. They don't validate, they verify. It's all about the laws. :rolleyes: If you send them a letter asking for validation, they will probably ignore it and unfortunately in most states, OCs don't have to respond even to a debt verification letter. Sad but true. There are special "verification" letters to send OCs.

SO, if you do want to send a letter, I will find the one I used for Crap 1 and post it. You have to sent them the letter first, give it about 30 days, if no response, send another one. THEN, if they still don't respond, dispute it.

If you still don't get anywhere, then one thing you can try is filing a complaint with the OCC (or WA state treasury if it's a state chartered bank).

That might light a fire under them to answer you.

I'm about to do the same thing myself on a bank that won't respond to me. I have been trying for months. :mad:

Ok, I've babbled long enough. I'll look for that letter and post it in the letters thread. ok?

HTH