 A new method to disputing, Please provide input |
Important Announcement:
|
  |
 Jan 28 2008, 02:15 AM
Post
#1
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638  |
With all the disputing scams, such as the one in my siggy, i want to try a new concept. We know that the CRA employees are on a time limit per dispute.
It seems that every time a consumer says "not mine" or "no records", it gets verified quick due to the address and name match up. So, i decided in my next dispute to stay FAR away from "not mine", or "no records." Something like this........ This is Not a Data Factoring account. Please remove this. It is reported as an “Open” account, which is false. Please remove this. It reports a One Month term which is false. Please remove this. The Estimated date of removal for the CA does not match the date that the original creditor, reports. The Original creditor is reporting 9/2010. Please correct or remove this. The Date of First Delinquency with the Original Creditor is not provided Please provide this. The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 120 days late Please remove this. It is listed as a loan. They have never provided me a loan. Please remove this. No payment was made in 2/2007. Please remove this. It is listed as an installment account, which is false. Please remove this. The Balance is not correct. Please correct or remove this. The end of the seven year reporting period should be listed as 09/2010. Please correct or remove this. And this is only ONE tradeline. Im sure i could add more. This is just to get them to do more work, and use up more of there time, WITHOUT being thrown in the not mine category. Nor did i ever say it was mine. If you add even MORE tradelines, even better! Any critique would be great. jack1212  Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free.  |
  
|
|
| Googie |
Jan 28 2008, 02:15 AM
Post
#
|
|
The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
|
|
|
|
|
Jan 28 2008, 06:19 AM
Post
#2
|
|
|
Group: Members
Posts: 2,445 Joined: 11-February 04 From: People's Republic of NJ Member No.: 3,731 |
Good idea. It gives you the opportunity to let them pile up the violations.
Jay
|
|
|
|
|
Jan 28 2008, 06:42 AM
Post
#3
|
|
|
Group: Members
Posts: 575 Joined: 15-October 06 Member No.: 39,523 |
Like the guys on the Guiness commercials......"BRILLIANT!!!"
|
|
|
|
|
Jan 28 2008, 09:50 AM
Post
#4
|
|
|
Group: Members
Posts: 390 Joined: 20-November 07 Member No.: 62,720 |
Theory sounds good Jack. Only one way to find out.
 Wonder if this is near Margueritaville? |
|
|
|
|
Jan 28 2008, 10:00 AM
Post
#5
|
|
|
Self-Proclaimed Georgia's Queen of CB
Group: Members
Posts: 3,611 Joined: 17-March 03 From: Georgia's Arm Pit Member No.: 373 |
I will try it when my light gray font disputes come back.
 Credit Please aka CP1 |
|
|
|
|
Jan 28 2008, 11:00 AM
Post
#6
|
|
|
Group: Members
Posts: 10,718 Joined: 25-October 05 From: hiding from the Thought Police of Stepfordland Member No.: 23,514 |
Jack, I would still love to get my hands on the 30-some internal dispute codes.... I think that takes your great idea here to an even simpler level.
QUOTE (LKH @ Sep 9 2003, 03:42 PM)  This always has been and always will be the biggest problem. Those that don't do the required research and send out letters not knowing why they are sending them or even knowing what they are sending, are not fighting only the cra's and ca's, but they are fighting themselves and are their own worst enemy. |
|
|
|
|
Jan 28 2008, 11:05 AM
Post
#7
|
|
|
Group: Members
Posts: 224 Joined: 22-December 07 From: Magnolia, AR Member No.: 64,687 |
Good idea - you handwriting it too? or typing..
As of 6/3/2008
FICO's - TransUnion: 626 (+96) - Equifax: 630 (+40) - Experian: 621 (+30) Credit Cards - 8 Best Buy Store Card - $ 500.00 (started at $ 500.00) Ivan Smith Furniture Store Card - $ 2,000.00 (started at $ 2,000.00) Kay Jewelers Store Card - $ 5,000.00 (started at $ 5,000.00) Target Store Card - $ 500.00 (started at $ 200.00) Wal-Mart Store Card - $ 300.00 (started at $ 300.00) Orchard Bank MC - $ 300.00 (started at $ 300.00) Capital One MC - $ 600.00 (started at $ 300.00) RewardZone MC - $ 450.00 (started at $ 300.00) |
|
|
|
|
Jan 28 2008, 12:18 PM
Post
#8
|
|
|
Group: Members
Posts: 223 Joined: 1-December 07 From: In my nice comfy Chair Member No.: 63,419 |
Great idea Jack. Might get lucky and they just say wow lets just delete this and he will quit sending stuff.
Fico TU 10-22-09 635
64% Utilization down from 99 Chase $200 12/06 HSBC Orchard $750 6/07 Mobil Citi $200 $300 $400 9/07 Target Red $200 1/08 Hooters $500 3/09 |
|
|
|
|
Jan 28 2008, 07:38 PM
Post
#9
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
I suppose typing. The trick is to get them to figure out which dispute code to put it under. My understanding is that they can only use one.
Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Jan 30 2008, 05:16 PM
Post
#10
|
|
|
Group: Members
Posts: 10,718 Joined: 25-October 05 From: hiding from the Thought Police of Stepfordland Member No.: 23,514 |
QUOTE(jack1212 @ Jan 28 2008, 06:38 PM) I suppose typing. The trick is to get them to figure out which dispute code to put it under. My understanding is that they can only use one. sometimes though (like on my asset factoring account problem).... there are SOOOO many problems with it. QUOTE (LKH @ Sep 9 2003, 03:42 PM) This always has been and always will be the biggest problem. Those that don't do the required research and send out letters not knowing why they are sending them or even knowing what they are sending, are not fighting only the cra's and ca's, but they are fighting themselves and are their own worst enemy. |
|
|
|
|
Jan 31 2008, 01:54 PM
Post
#11
|
|
|
Group: Members
Posts: 10 Joined: 5-January 08 From: colorado Member No.: 65,503 |
I was looking at similar ideas as no CA shows up on my CRs... all are COs from the OC themselves. SO I figure that coming up with something other than 'not mine' would be more useful for me. I was looking for alternate ideas and found this. Could you please update this thread with the result if you actually try this.
By the way, Could jack1212 or anyone look at the only thread that I started for advice regarding my situation and ideas for disputing...( I'm not trying to hijack your thread )
|
|
|
|
|
Jan 31 2008, 11:04 PM
Post
#12
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
yea, no problem. I sent the disputes just a few days ago.
I'll update. I cant stress enough to stay away from "not mine and no records of" unless it TRULY not yours. Those gets verified in a heartbeat. Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Jan 31 2008, 11:12 PM
Post
#13
|
|
|
Group: Members
Posts: 592 Joined: 12-May 07 From: North Texas Member No.: 49,663 |
How do you avoid the previously verified by EX? They refuse to look at some of my disputes because 3 years ago I disputed.
Guns cause crime like flies cause garbage
 |
|
|
|
|
Jan 31 2008, 11:13 PM
Post
#14
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
QUOTE(tanner @ Jan 31 2008, 11:12 PM) How do you avoid the previously verified by EX? They refuse to look at some of my disputes because 3 years ago I disputed. me personally, i go back to the data furnishers and hound them to death. Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Feb 1 2008, 04:42 PM
Post
#15
|
|
|
Group: Members
Posts: 1,196 Joined: 16-August 04 From: Via Veneto, of course! *wink* Member No.: 7,833 |
That was my strategy in dealing with Experian when the refuse to re investigate-- I found out that if you give a different reason, they will do it. If you keep giving the same reason they will say "previously investigated".
"Crito, I owe a cock to Asclepius; will you remember to pay the debt?"
Socrates, Last Words, 399 BC. Plato, Phaedo, 118a Arrow Mother Thread | The Jack Attack Thread | Dealing with EX's "Previously Investigated" Replies | Backdoors | The Mortgage Crisis Explained | Sassy's Index |
|
|
|
|
Feb 1 2008, 06:10 PM
Post
#16
|
|
|
Group: Members
Posts: 3,336 Joined: 27-July 06 Member No.: 35,604 |
I did something like that with EQ with the factoring company. Said it wasn't a factoring company. 1 month term is wrong, never had credit with Asset, don't remember what else because there was three things and the verified. Still think they pick up one thing only.
|
|
|
|
|
Feb 1 2008, 06:34 PM
Post
#17
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
Good point. If we can gets enough indivdual items removed, there wont be a tradeline at all. You just have to break down each portion of it.
we'll see. Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Feb 7 2008, 03:40 PM
Post
#18
|
|
|
Group: Members
Posts: 45 Joined: 4-December 07 Member No.: 63,585 |
Jack I would love to see your results because it looks to me as if you are shooting all the bullets in your gun......based on the info in the must read from bennett you may be shooting in the dark! Hope it works because I have a lot of those!
|
|
|
|
|
Feb 7 2008, 03:51 PM
Post
#19
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
We'll never know til we try! I be the ginny pig!!
Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Feb 7 2008, 04:06 PM
Post
#20
|
|
|
Group: Members
Posts: 10,718 Joined: 25-October 05 From: hiding from the Thought Police of Stepfordland Member No.: 23,514 |
QUOTE(jack1212 @ Feb 7 2008, 02:51 PM) We'll never know til we try! I be the ginny pig!! GO for it! QUOTE (LKH @ Sep 9 2003, 03:42 PM) This always has been and always will be the biggest problem. Those that don't do the required research and send out letters not knowing why they are sending them or even knowing what they are sending, are not fighting only the cra's and ca's, but they are fighting themselves and are their own worst enemy. |
|
|
|
|
Feb 7 2008, 04:10 PM
Post
#21
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
the disputes have been out for almost 2 weeks. Should know something soon.
Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Feb 7 2008, 05:11 PM
Post
#22
|
|
|
Group: Banned
Posts: 2,045 Joined: 11-July 07 Member No.: 54,051 |
Whats great is that if they come back verified, then someone wasn't doing their job, even when you disputed specific items. In other words they didn't take 'reasonable measures' to verify the information.
|
|
|
|
|
Feb 7 2008, 07:20 PM
Post
#23
|
|
|
Group: Members
Posts: 3,336 Joined: 27-July 06 Member No.: 35,604 |
good luck Jack. I tried it with EQ about 6 months ago and every thing that I disputed was verified. EQ doesn't like me.
|
|
|
|
|
Feb 10 2008, 04:12 PM
Post
#24
|
|
|
Group: Members
Posts: 10,240 Joined: 2-December 05 From: CB'S Witness Protection Program Member No.: 24,638 |
UPDATE:
Well folks. I got the results back, EXPERIAN DELTED!!!! It worked! Im in shock! I also managed to get a CO corrected, as it showed a balance before, now it's $0. Havent got any info on the other two yet. I LOVE Jacks new disputing method. Make them have to do some work, LMAO. I cant guarantee it will work for everyone, but i think this approach throws a HUGE curveball into the coding issue. Never Give Up, Never Quit, Never Back Down..
All links moved to my profile.. Jack is Still 100% CA Free. |
|
|
|
|
Feb 10 2008, 04:14 PM
Post
#25
|
|
|
Group: Members
Posts: 601 Joined: 29-May 07 Member No.: 50,701 |
YAY Jack...I've been waiting for an update! I will remember this thread on my next dispute.
THANKS CB!!!
Update - 3/08 EXP-544 EQ-633 TU-590 Last FICO's - Oct. 07 EXP-542 EQ-604 TU-549 1st Fico's - June 07 EXP-510 EQ-438 TU-491 |
|
|
|
1 User(s) are reading this topic (1 Guests and 0 Anonymous Users)
0 Members:
|
Skin by: Dragonfly © all rights reserved.
© Copyright 2003 - 2008 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.
| Lo-Fi Version | Time is now: 20th November 2009 - 06:47 PM |