validation letter and have not heard from the companies at all

I have contacted you in the past in regards to my credit. I did a validation letter and have not heard from the companies at all. I am now doing my Debt Validation Follow up. Once this is done I contact the BBB, State consumer affairs, state attorney general, take them to court.
How long before I do those things and do I contact every one of them and how do I still get this off my credit report when this is all done? I have no problem paying them but I want better credit also and they are killing me with the negative parts of this.
---------------------------
Have you disputed these accounts also
If they do not answer. Usually you can dispute them with the bureaus and they will fall right off.
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I have not disputed these yet. Do I send them all the information I have sent the companies? Also the link you sent didn't work.
Thank you again for all your help. I am sure I will be back for future issues. But you have been a great help
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www.oskie.com/credit-dispute.htm
Just read instructions and check no mine. dispute with the bureaus only for now.
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Okay will be doing that today then.
If these come back from BBB with a response then what is my next process. I have been on top of this and want to keep the process going. Thanks again you have been a lot of help.
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from the bureaus
http://www.oskie.com/transunion.htm
the addresses are on the form not the bbb see what happens
then maybe file a complaint

Bad Credit good credit

I have bad credit over 7 years old on my credit report. Most of this credit my exhusband opened in my name. I have tried to dispute and have had some taken off but not much. Isn't it supposed to come off in 7 years and if so how do I go about telling them to take it off because it is longer than 7 years? I also have tax leins from my exhusband's business on my credit report. Just a couple months ago I got my yearly free credit report and they are showing that they are paid (he must have paid them off) but I want them removed because they are not mine! I have been trying to get credit to help raise my credit so that my current husband and I can buy a house because it is the perfect time but I can not get anything. They say there is to much bad credit and not enough good credit. Well, no one will give me credit so how am I supposed to have good credit. Please could you help with some tips of ideas. Thanks so much for your time.
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http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

get a gas credit card
pay up front
tax leins? paid 7 yrs?
If it has to be 7 yrs since DOLA date of last activity not date you opened account I would validate legally all the debtsIf they do not have your signature....it is not legal

http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
validate and dispute those debts

http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
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Negative Entry removal, consolidation loan & negotiation with original debtors

Background: I had flawless credit (700+) up until 4 years ago when I lost my job and did not have income. I've gotten a foothold on my finances again and I'm trying to rebuild credit. I'd like to get an apt and move out of my house, but my credit score is below 590 right now.

1) I have 3 legitimate debts that I owe for credit card balances. On is with Amex and I will negotiate with them directly. The other 2 are with collection agencies... I tried to verify one of them and they sent me a letter saying they would look into it, reported the debt as disputed, but continue to send me requests to settle the debt... it's been 6 months and they still haven't verified... the remaining collection agency has sent 2 vague letters saying legal action will commence if I don't pay them. Isn't this illegal to threaten legal action w/o following through? If you think I should deal with these 2 agencies, what's the next step?

2) With these 2 debts in the hands of collections agencies, it it better to call the original debtors (Chase and Bank of America) and negotiate to have the entries removed if paid in full? I had long standing excellent payment histories with all my credit cards before I had financial issues a few years ago. My plan is to get a consolidation loan so I can get just one payment and at the same time improve the credit report. Will a $12,000 loan under my name hurt my credit (I'd be getting a cosigner)?

3) There is one pesky entry on my credit report that I cannot find any record of. Asset Acceptance LLC had sent me a few letters for a debt but it never belonged to me... I sent 2 certified DV letters and never got a response although I got return receipts for both DV letters. This debt is for $18,000 (reported to all 3 bureaus, last update was 08/2007) and this is really hurting me now. I filed a complaint with the FTC on their website already. What next? Should I sue them?
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1 if the debts are yours they can sue. If they do not verify the debt you may have a way out legally. negotiate would be the next step

2 it is always best to negotiate with the original creditor. You might find the debt was charged off on the companies books and then possibly sold for .40 cents on the dollar. They would not tell you that. But if they say it is out of thier hands and has been sold to collections then, you can guess that the collection agency only has about .40 cents on a dollar or les in the note. So you might negotiate with them for a lesser amount.

3 if is not yours and you filed a complaint and that does not stop collections then, I would seek out a credit lawyer. I do not know where to send you to look for one.
------------------------------
This has been quite helpful, thank you! Please share this on your amazing blog!
------------------------
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Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

Negotiate collections, late payments and charge offs with the original creditor

Thank you for your wonderful advice. Even though I've not yet been able to take advantage of anything, I've read the information you have provided and I'm beginning the process of restoring my score.
In #4 of your credit repair advice you suggest, "Negotiate collections, late payments and charge offs with the original creditor. Do not pay before you get a company letter head signed agreement for future disputes." I have a couple of collection accounts for past due medical reported as $1 past due. I sent a certified letter to the original creditor and asked them to send me a signed agreement that they would remove it from my credit report once I paid it in full. Instead, I received a form letter from the "Customer Service Manager" without a signature, saying that they "could not send information tha the account has been paid until after the payment is posted. Once your payment is received and credited to your account the agency will be notified that the account has been paid." Is this form letter sufficient to dispute the account once I've paid it, or should a reclarify that I need a letter on letterhead with a signature saying that they will remove it from my report? I have the money to pay it and the account is less than 1 year old. It is typical of some of the other accounts that I saw on your website. Dr. sends bill to wrong address, so I don't see it until it's too late. Please help.
--------------------------------
i would call
beg
give a reason hope and
ask a amanager but more than likely
that is the best yo can get
and i would take it but first
i would validate the debt legally look for credit help letters on my website
and validate the debts
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Dispute Validate negotiate and pay collections

I have a collection on my credit report that is actually my wife's. I did not sign the contract, so is there a way to have it removed from my report?
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i would validate that legally
i would dispute it with the bureau legally
if they cannot provide all the details
including all itemized bills and work done plus all your personal information and signature i think i would threat suit
do not call them.
do not give them your personal information if they ask you to verify who you are
make them prove that
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Thank You. I think your web site is great, it has been a big help to me. I was also wondering if the creditors or collection agency's will not agree to have debts erased from my report will paying them off in full still help raise my score?
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i did that myself
read this
---------------------- I "Bo Majors" had a charge off for 345 dollars in 1990 with BO Oil credit card. In 1992 I called them and told them I needed good credit and that I would pay the 345.00 and add and extra 300.00 down payment to start new good credit. They agreed. I charged gas and paid extra each month for 12 months. I called and asked them BP Oil to remove anything older than 24 months which was a charge off, 5, 30 days late, 2, 60 days late and 1, 90 days late and they did. My I checked my credit report and everything with BP Oil now said 400.00+ high credit limit with 0.00 dollars owed and a perfect "no lates" payment record. My score jumped huge in less than 13 months. The best fix bad credit move I ever made. Negotiate and pay. I "Bo Majors" also had a bad credit collection from getting stitches at the local medical clinic. The medical clinic sold my bad debt to a collection agency within 120 days. After about 1 years I called the collection agency and asked if I paid the bill off in full would they remove the bad credit from my report. They said only the medical clinic could authorize that. I called the clinic and got an ok for the collection agency to take the debt off if I would pay the debt in full with fees right now to the clinic. I called the collection agency who called the clinic and we had a deal. I paid in full and the collection agency removed the bad credit. My score jumped right then.
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first it may hurt your score with a new date
in one year or less it will help because your debt / credit limit ratio for that account will go from 100% to 0%
the main thing to raise ones scores is to have some open credit that is reported to a bureau and is older than 12 monthsthe number one best way to raise your score these are all great cards and the applied visa will appove anyone with a downpayment
Get a free credit report---
Credit Cards---
Personal Loans---
Get legal credit repair---
Debt Consultaion---
LifeLock---

Dispute bad credit

i once had a company dispute my bad credit. they told me that all bad credit has to go through a series of laws before it can be posted on my credit report and that the process is so long that the majority of companies don't do it.
and that was how he was removing my bad credit by asking if it was reported legally and if they responded yes he would ask for proof and eventually it would get removed.
my question is how do i get that program or how do i go about doing it that way? please help
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use the debt validation letters on my website
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
- Show quoted text -

debt validation follow up letter and no respones within 30 days

thank you for all your help so far.
It has been almost a month since I sent my validation letters.
2 of them came back from different co's. with a letter that stated they sent me info on the collection on 04-07-07 and that I had 30 days to comply.
Going further, they stated that since i did not validate it, i assumed the debt. Yet they sent me no info that I asked for!
What should I do. (By the way those 2 co. are the same, using 2 different names for the same amount of money) What should I do for this as well?
And finally the 3rd co. sent me a one sheet letter that said VALIDATION LETTER, with my acct # and last transaction date and the original creditor name but none of the specific info asked for on your Validation letter.
What should i do here?
Maybe send them follow up letters? Any help will be appreciated!
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dispute with bureaus certifed mail on more time
not yours, error on credit report
then call and file a complaint
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i have sent the second set of letters but have yet to hear from them.
should i contact all the credit bureaus and ask them to take it off my file (and send them all documents i have), or should i go to the attorney general?
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this should prompt them to provide said docs.
but sure ad that in.
then complain to attorney general here is another set of doc which might help you
http://groups.yahoo.com/group/credit-repair/files/Letters also a crazy get the collection agency group

What happens to collections when you pay original creditor

Thank you first for taking the time to read and answer my questions.
I sent the dispute letter to Audit and Adjustment - they sent me a letter back that says they marked the account as disputed and will be reported to the national credit reporting agencies.
Mind you I did not change your dispute letter at all. Also I was told that if I could get valley medical center to cash a check - that that means I am working with them and they are working with me - cutting out the collector per say is that true????
I did not a get a validation of debt from audit and adjustment. I don't know what to do now...And as far as I can tell the bureaus aren't really checking into things - because I have paid off a bunch of stuff and it still hasn't changed my report any. If I missed something in your writing would you let me know where to go read again please.
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prompt bureaus to work for you with the dispute form on those paid bills.
say not yours or error audit and adjustment?
is that a collection agency?
if so validate the debt not just dispute? not sure what happened here
---------------------------------
Valley medical did cash my check.
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you should be able to rid yourself of the collections thenask valley medical to helpreally you should have hasked them before you paidButthey may still help you

Creditor not playing fair

Hey Bo, I sent a creditor a debt validation letter as per your advice. They failed to respond within the thirty days required by the FCRA. I sent the letter certified and I have proof that it was received. I sent a second letter to inform them that they have failed to verify this debt and by law MUST remove it from my credit file. That letter was also sent by certified mail. I still havent had any response. What should I do next? Thanks for all your help...Jay Jay
------------------------------
Jay Jay
i would say dispute the thing with this free dispute form
if that does not do it
Call your state attorney general. and use the the yahooo credit repair board
if you would like to really hammer the collections agency.
these folks bomb collection agencies

My husband and I have past due on our credit reports

My husband and I have a lot of items that are past due on our credit reports and we are finally going to fix our credit. Do you recommend just consolidating everything into one monthly bill or take one bill at a time and negotiate one at a time? Thank you
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thats a case by case study
i would venture a guess
legally validate each debt first
then negotiate each debt, tell them you make one in full payment not a payment schedule
if you cannot find a creditor dispute the accounts
then consolidate all settled and non settled debts

Debt validation sent back with only name and address

I sent a debt validation letter to a debt collector.
Got a return letter with my name, and address as validation.
It was not on any letter head and I responded by demanding VALIDATION of the debt and not verification of name, address, etc.
I gave them 30 days to respond and letter was sent certified.
I have received nothing back.
What and how should I demand that all references to this debt be removed from my credit file
-----------------------
file a compliant with your state attorney general
call the collector and explain what your are, or have done
offer this debt follow up letter
dispute the credit as fraudulant on your creit report.

The collection agency and the orginator never notified me of my requirment

I sent the attached debt validation letter to an agency. The collection agency and the orginator never notified me of my requirment to pay this debt. I was never sent a letter or notice. When I sent the letter to negotiate with the orignator they said they showed I owed the money. They did not have any documentation that I did not pay or for the book. They said they had the incorrect address and when it came back to them they just sent the account to collections without trying to find out another address. The collection agency sent me a letter back with computer printouts of the school showing I owed money for the book, that my tuition was paid, and that I took the class, but no real proof that I owed the money for the book. What would you suggest I do now?
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was the book honestly not paid by you
how much is the collection you could negotiate payment and removal if you pay in full.
if the account is small i would suggest this route to be done with it sounds like they may not have validated the debt
also
might send the debt validation follow up letter
moving and finding addresses is one reason they have credit reports
that way creditors do not have to spend more than it is worth to hunt some one up they just slap it on your report and it goes where you go

FICO score question

How do I know what past debt to pay off first in order to raise my FICO score FAST? Is it true that I should pay the most recent items first? Thank you
-------------------------

i would negotiate to have the most recent or less than 2 years old accounts removed from my report if i pay in full right notget signed on compnay letterhead agreement before you make payment in full if they will not remove it, pay it anway and, it will show zero balance which will help your score. anything more than 5 years old i might ait out for it to fall off or validate and dispute the debt hoping to get lucky my negotiation travails

Dispute and validate with 3 companies

I sent off validation letters to 3 companies I've been battling with over questionable items on my reports for quite some time. The letters were all received on the same day and the 30 deadline to respond to me expired on the 4th of this month. I am unsure what steps to take at this point. Do I send them another letter demanding it be removed immediately due to them not meeting the 30 day deadline? Is there a particular part of the FCRA I can quote to them demanding it now be removed from report seeing that they have not responded?
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might dispute the accounts right now by certified delivery mail
and see what happens
then follow the steps you talk of
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i have disputed them all but they have come back as valid.
my next step was the validation letters which they did not reply to.
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validation follow up something has to happen
if they validate the dispute
then one would think they would respond to a validation

Charged off old credit card. Validate

I have an old credit card that was charged off back in 1994, with my credit score in the low 800's now, I received a letter from Portfolio Recovery trying to collect. I sent certified mail asking them for VALIDATION as you recommended...? and they sent me a letter showing my current address. Then this past Friday they sent me a letter saying they were going to continue to pursue with collection. Would you recommend I pay it off or...?
-----------------------------
that is too old
i would try to avoid that in a big waylegally i do not think they can collect
to give only your address is not validating the collection
i would use the validation follow up letter
then call the state attorney general

New collection from 1998

I have been working on my scores for years, and with your advice, got my score raised to 670 -680 plus. We had got approved for a mortgage when all of a sudden; a new collection pops up on my credit report. And now my score is to low to get the loan. When I called, the collection agency told me it was an old AT&T bill from 1998!!!!!!! Well, I don’t remember having this, this has been TEN years ago for crying out loud…….. and I have had a good account with AT&T for years….. Should I just dispute this with the credit beaurol, or pay, and then dispute it even being on my collections. This is most unfortunate….. $170.00 is going to keep me from getting a home loan…… What can I do to get it off my report fast? The agency can’t even tell me what the balance is for.
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demand debt validation "more than address name dob, doucument"
and debt validation follow up
explain you do not think this debt is yours
and
even if it was, it would be too old to go to collections
plan on following all your legal rights concerning this matter

The other route of course
is
offer to pay it
if the account is removed
then we can all be done with this matter.

you might post this question herehttp://finance.groups.yahoo.com/group/credit-repair/ there are some legal people here who might be of even more help

------------

reassesed a debt that is over 7 years old

A company on my credit report reassesed a debt that is over 7 years old. Im trying to fix it but they say its mine... I have disputed the bureas and heres the thing - Its been 30 days and it still shows on my credit reports that the items are still under dispute? What can I do ?
Should I write to the bureaus and tell them to remove the items disputed because its been longer than 30 days???
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you should get a written response from the bureaus
wait for 35 days
after that
\ DO IT AGAIN
certified delivery mail

defaulted on 9 student loans and am now in garnishment

I have a question. In the past I was very careless with my credit and now am reaping the "rewards". How do I fix these problems. My score is 613 and shows I have 18 negatives on my acct. I had defaulted on 9 student loans and am now in garnishment. The loans have been sent to Texas Guareented and I am in the process of rehabing my credit. Each loan shows up as well as the previous creditor that originally owned them as "paid collections" or "transfered to another lender". I also have charge offs from credit cards. And I have 1 collection agency on my report. I do have an instalment that is up to date as well as two credit cards that are perfect. Should I negotiate with the two credit card co. to pay and remove the item and what about the original student loan creditors. Any help will be appreciated.
------------------------------
i would first try to get lucky and dispute some of he old student loans and, hope maybe a few fall off.

I would validate the collection with debt validation and they do not comply call the state attorney general
see what i did with my charged off BP oil on my credit card
- Show quoted text -
------------------------------
appreciate your help. I am disputing some of the closed accts. due to length of time (over 8 years) and are validating 3 others due to I don't know who they are. I hope it all works and thankyou again for taking the time to return my letter.
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Do they have 30 days to respond or remove clean delete the bad credit

Bo after the company receives your letter they have 30 days from the date of receiving the letter to validate. If they do not what should I do next.
-------------------------
what company
what letter

if you dispute with a major credit reporting bureau the bureau sends the dispute to the account holder who then has 30 days to respond.

if you are using debt validation you send the letter to the account holder and they have 30 days
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If it an account validate to collections company. If they do not respond in 30 days what is the next step?
--------------------------
send the debt follow up letter
make sure you send the letters certified delivery

if they do not respond, then use the dispute form

if nothing seems to work call your state attorney general or file an online compliant about illegal use of your credit report.

Am I beyond the statue of limitations on a credit card?

I was just wondering how do I figure out if I am beyond the statue of limitations on a credit card? Or if credit cards even apply? On my credit report it states that my credit card became 30 days overdue in April/2004, meaning the last payment that I sent in was March of 2004. Is it safe to assume the statue of limitations has exceeded?
--------------------
no
not sure if statute of limitations is the right term but 7 years is the magic credit goes away number.
7 years from date of last activity. DLA DOLA
so that would put you at April 2011
Watch out for collections on unpaid credit cards, if the card was not paid in full.
2004 does put you 2 years past today which means the lates have relatively little weight on your credit score. Make sure you have good open and rated credit now with no lates the last 24 months.
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Thanks. The card is already in collections and they are threatening to sue. It is the only thing on my credit report so I will call and see if I can get a settlement for less than what they say I owe.

Also, I read on your website that I should ask for it to be deleted from my report after I pay it, is that correct?
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you always should ask, but not expect, to get something removed if you pay in full, unless, it is a second party or duplicate account on your credit report.

Collections? are collection threatening suit or whats going on here.
If the original credit card, charged you off, then sold this account, for pennies on the dollar a collections company should not even be able to put the collection on your credit report or threaten to sue.

the original credit card can sue and report bad.

this is why the debt validation form is so needed. Make sure any second party collection has legal cause and documentation for suit.
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I received a letter from Gordon & Wong Law Group PC stating that there is a pending legal action in Superior Court and I have 30 days to respond. On my credit report it says that the account was sold to another lender.

Should I send in the debt validation form?
----------------------
you need to talk to a lawyer.
but yes you need to know what they know if you can