gatorsno1

I know that I have read a post where a CA or JDB responded to a DV with a letter stating they would remove the reference from their credit reports, but cannot find it now. How long should I wait before forwarding the letter to the CRA's asking them to delete? Does anyone know of a sample letter? Thanks.

So I send a letter to the CRA asking for deletion of one of the OC's, then PFD the CA, then maybe try a goodwill letter to the OC afterwards? Does that sound like a reasonable plan of attack?

Any more opinions?

So should I call first? Can I ask that the debt be recalled from the CA in the PFD letter?

I think I will try to PFD the OC, including the stipulation that the debt be recalled from the CA as well. I will DV the HSN CA, and DV the old ATT collection while verifying with the CRA's. That along with paying down my Merrick CC, BBRWZ CC, and Household Bank CC, should be enough to start the house buying process. I will post when I get any replies/movement. Should I call the OC (Fingerhut) first before sending a letter, to make sure they can recall the debt?

Would I need to send a verification to them, or would I need to specifically cite that the three accounts are for the same debt and two need to be removed?

I have been researching on CB for several weeks now and have found loads of useful information. My wife and I would like to buy a house by the end of the summer and I wanted to clean up my reports before doing so. I currently only have a few negative marks. One is an old CO from ATT that I will just send a validation to. Another is a bit more complicated. I had an account with Fingerhut (which was stupid) and did not pay the balance (which was even more stupid). Now it is showing up as 3 negative accounts under equifax! It shows up as an original account with CIT Bank/Fingerhut as a 0 balance/past due CO, then as a CO with Fingerhut/METABANK 0/0, and for a third time with a CA, Jefferson Capital, LLC with $262 Past Due (the original amount I owed). Under type of loan for the CA, it lists Factoring Company Account (debt buyer), so this means that they own the debt now right? Do I send a validation letter to the CA and verification letters to both of the OC accounts? Is the Metabank/Fingerhut really acting as a CA, since they reported after the original charged-off? Can I send anyone a PFD and get rid of all of the baddies at once? The only discrepancy I noted among the three is that both of the Fingerhuts list the date of 1st Delinquency as 7/09 and the CA list it as 5/09. I also have a CA that called recently and sent a letter for an old HSN account. They have only shown up on my EQ report as a hard pull, but not a negative account. What is the best way to make sure they never show up? Thanks in advance for any assistance, I am at your mercy!