How to dispute a charged off bank checking account?

[ebuddog]

Should I dispute with the CRAs then do a normal OC 623 dispute? Or try something different?

[ebuddog]

They had a tough time finding it when I called about it (I played dumb). They've since changed the name of the bank and I have changed my last name since then. Should I send a copy of my SS card and DL with my new name and dispute as "not mine" to try to get it deleted?

[ebuddog]

TFC 392 doesn't seem to apply to OCs.

[somekindofhappiness]

They had a tough time finding it when I called about it (I played dumb). They've since changed the name of the bank and I have changed my last name since then. Should I send a copy of my SS card and DL with my new name and dispute as "not mine" to try to get it deleted?

 

You need to dispute with the CRAs first, in order to do a 623 with the original creditor. The good advice I've followed in the past is to exhaust all avenues of dispute with the CRA before contacting the OC.

[ebuddog]

They had a tough time finding it when I called about it (I played dumb). They've since changed the name of the bank and I have changed my last name since then. Should I send a copy of my SS card and DL with my new name and dispute as "not mine" to try to get it deleted?

 

You need to dispute with the CRAs first, in order to do a 623 with the original creditor. The good advice I've followed in the past is to exhaust all avenues of dispute with the CRA before contacting the OC.

 

Have you had any luck using the 623 method?

[somekindofhappiness]

They had a tough time finding it when I called about it (I played dumb). They've since changed the name of the bank and I have changed my last name since then. Should I send a copy of my SS card and DL with my new name and dispute as "not mine" to try to get it deleted?

 

You need to dispute with the CRAs first, in order to do a 623 with the original creditor. The good advice I've followed in the past is to exhaust all avenues of dispute with the CRA before contacting the OC.

 

Have you had any luck using the 623 method?

 

I've never tried because I've never had a dispute advance to that point.

[ebuddog]

They had a tough time finding it when I called about it (I played dumb). They've since changed the name of the bank and I have changed my last name since then. Should I send a copy of my SS card and DL with my new name and dispute as "not mine" to try to get it deleted?

 

You need to dispute with the CRAs first, in order to do a 623 with the original creditor. The good advice I've followed in the past is to exhaust all avenues of dispute with the CRA before contacting the OC.

 

Have you had any luck using the 623 method?

 

I've never tried because I've never had a dispute advance to that point.

 

they just came off the first time you disputed with the CRAs?

[ebuddog]

Bump for more advice

[ebuddog]

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