need advise on disputing

[d5nuke]

First off thanks for any help you guys can give. I have repaired credit befoore but need advise on the correct wording of a letter to the CRA. Its been many years since repair.

I have a CA reporting the DOLA as one year different than the OC. Its an incorrect reporting so Should I dispute it as incorrect DOLA or just inaccurate entry?

Also I have 4 entries that I disputed 3 years ago and they still say in dispute one entry has no information at all just n/a on all entries for that account. But iit is on my negative accounts section.

[Trish]

Hey nuke

The one with the incorrect DOLA......is that out of SOL?
I would be specific instead of just saying it's inaccurate. Don't know if it's just me but I disputed a TL (a long time ago) like that and they came back with "be more specific" (grrr). Probably just a stall tactic but still......
So if I were you I would dispute the DOLA.....and if it's out of SOL, you could even say........DOLA is incorrect and this account is obsolete and should be removed.

I too still have TLs stating in dispute from years ago.......the CA has just failed to remove that notation.

And for the one with all the N/As.......does it list ANYTHING? A CA name or acct number at least?


p.s.......did you use to be on CRF? You're screen name looks very familiar.

[d5nuke]

Originally Posted by Trish

Hey nuke

The one with the incorrect DOLA......is that out of SOL?
I would be specific instead of just saying it's inaccurate. Don't know if it's just me but I disputed a TL (a long time ago) like that and they came back with "be more specific" (grrr). Probably just a stall tactic but still......
So if I were you I would dispute the DOLA.....and if it's out of SOL, you could even say........DOLA is incorrect and this account is obsolete and should be removed.

I too still have TLs stating in dispute from years ago.......the CA has just failed to remove that notation.

And for the one with all the N/As.......does it list ANYTHING? A CA name or acct number at least?


p.s.......did you use to be on CRF? You're screen name looks very familiar.

The one with the DOLA issue is 5+ years old so They cant do anything to me. And the one with the NA all over it has the account number for that collection agency and there name but nothing else no balance dates or anything.

I will dispute the DOLA on the one and dispute the other as inaccurate listing I guess.

Yes I was on the other board years ago and just now got back to fixing some old accounts that were new then.

[Trish]

Ha. I thought that was you when I saw your name.
I was TScott over there. Not sure why.......but it's not even a forum anymore. You can kinda search the old posts......but other than that it's worthless.

Well, good to see you again!

[d5nuke]

Originally Posted by Trish

Ha. I thought that was you when I saw your name.
I was TScott over there. Not sure why.......but it's not even a forum anymore. You can kinda search the old posts......but other than that it's worthless.

Well, good to see you again!

I remember you to good to hear from you again. I could not find the old board anymore so I started this account. Small world in credit repair I guess

So you should have like a 850 score by now huh :D

I had to saddle back up to get some of the old stubborn accounts off my credit. Even though they only have like a year or so to go. I see a light at the end of the tunnel you could say all negative accounts will be history with in 2 years.

[Trish]

Originally Posted by d5nuke

So you should have like a 850 score by now huh :D

Ha ha...you'd think!

Not quite. I started out working on my husband's first.......his I have been able to get up to about 675 (he started at about 500)......

Mine has been a bit more difficult.......but I'm getting there. Some stubborn charge offs and a judgment have been a couple of the bumps in my road.......but once the COs fall off at the end of this year.......my score should (hopefully) jump up considerably.