devon

i just wrote them about helping me with my debt.......... heres the email i got in response Thanks so much for contacting us! As you can imagine, we're incredibly busy working on this campaign, but we're also eager to respond and will get back to you as soon as possible. If you are writing to ask us to purchase your debt, please understand that we have no way of buying a specific person's debt. Anonymous accounts get bundled together by other firms and sold as a whole. We have no input into whose debt is included. We hope to buy as much debt as we can and, more fundamentally, to get people asking why it is that debt can be so cheap to everyone except the debtor. Over three-quarters of American households are in debt and one of out every seven Americans is being pursued by a debt collector. Remember: you are not a loan! If you are a member of the press, please respond to us with your deadline, and we will expedite your request. Best, The Strike Debt team www.strikedebt.org www.rollingjubilee.org https://twitter.com/StrikeDebt https://www.facebook.com/pages/Strike-Debt/244850825627699

Does your wife have the original paperwork? Do you have the bills that come in your wife's name only? And lastly, are you absolutely SURE she didn't accidentally include you? no, no original paperwork. i can call at&t and request that they send the old bills. i did this last year before i started the road to credit repair. hell if i know where they are now! i am sure. she signed us up for the family plan, we have two separate numbers and it should have been the same/one account under her name and SS# only

but how would i convince the CRAs the debt isn't mine? i cant just tell them 'my wife said so.....'

thank you for biting. i actually just talked to her about it . she said she opened the account in her name andher SS# only. she said she never gave them mine. so, i just did a dispute with TU and equifax

so last year, we went to at&t to get new phones. i wasnt with her at the counter so im asuming she gave her ss# and they told her her credit was Freedom Unlimited$&ed and probably asked did she have anyone else she might wanna use. she probably gave them my ss# and was able to open the account that way and then they might have put her as a authorized user under my name............. we're still married.

i actually called them after going back forth with AT&T on the phone for 1/2 hour. at&t said i should call them to find out whats going on..............

should i send the general dv letter of the big dv letter?

never call, if you admit to the debt they can reset the SOL, and will try to get you to fill in the blanks social name DOB everything might be too late, since i talked to them last week to get some answers...........

how'd you do that?

what errors should i look for? confused on this part.........

so on my CR, i have southwest credit systems reporting a due balance of $662. when i called to find out what was going on, they told me that that amount comes in under a 301 (area code) phone number and then they said my wifes name. they told me that she was an authorized user on my account. they then offered a 50% setllement, lol (thats not funny)!!! my helper over at myfico said i should pay the settlement, wait a week and then dispute it. i tried to call SWCS today, but for some reason, they're not answering. i wanna ask if they can send me something via e-mail or snail mail saying that that amount is due under her name and phone number. and if they do (or don't) i want to dispute it (without paying 1st if possible). is this a good idea? how likely is it to work?

so i PIF an old first premier bank account about 2 weeks ago. my helper over at myfico told me to get a GW letter ready, but reading several threads here and there, ppl have been saying that that either they won't delete off of your CR and or a FPB lawyer will send you a letter telling you to stop or they'll charge you for harrasment (if you send too many letters/emails). so, what should i do here?

haven't tried planet feedback. i'll see what happens............ thanks

ttt again

Asked and answered. It's the negative accounts. The formatting is pretty messed up, but from what I can see you have a dozen collections and a handful of original creditor accounts that are negative in some way. You are going to have to carefully consider and strategize each one of these and whether you might be able to get any of them removed. I would suggest you start by ordering each hard copy of your credit reports from each CRA through the mail. thats a start. but i don't know which negative holds more weight than the next one.........