texas0331

Thanks for the input guys....... BamaInvestor........very helpful information, I appreciate it. So, a couple of additional questions if I may.....and these are for anyone to speculate. First off....pertaining to opening new tradelines....would it be better to wait until I have successfully deleted the three collections I have in my reports before I apply for a new card? Or should I just go ahead and see what I can find in my credit range? Also, should I begin disputing with the CA's yet? Or wait until I have fully dealt with all these old addresses?

So........have you? I sent out requests to all three CRA's and..... First I receive a letter from TU, basically stalling.......something along the lines of, "not providing them with enough ID verification" even though I gave them a photocopy of my DL and Energy bill. They stated that they could locate a credit report in my name.......bs. So I sent out the same information again, this time accompanied by a threat to complain to the FTC and BBB if they didn't act. I cc'd the FTC and BBB, so that I would be all ready to make good on that threat. I don't know if that will accomplish anything or not. Today I get a letter from Experian. I figured they wouldn't budge (judging from others experiences). However they did delete a couple of things. Unfortunately they are still listing several different addresses. Some of those being one's I have NEVER lived at. Some of the other's are just different variations of a single address. Anyone else have any luck? Can you share your insight with a newb?? I know addresses aren't really that important, I just like to be thorough...... oh....btw HAPPY 4th of JULY!!!

I got mine deleted with a simple letter asking to remove. I have ONE address listed on all 3 CRA's... my current address I'd like to see a copy of the letter you sent out. Mine hasn't been working so well.

Stryker- First off thanks for the quick reply! Now, being a newbie I honestly can't say if they are "real" reports. I am using myfico.com. I am going to guess that means they are not real? Thanks Again, Tex

Welcome to CB! They have to be listed on your credit reports. Are you looking at "real" reports directly from each CRA, or tri-merge reports? On your reports, IIRC, there should be a list of creditor contacts as well. Hi Stryker, First off thanks for the quick reply! I honestly don't know the difference, I am using myfico.com to get these reports. Could that be the problem? Thanks Again

Hi all! I have a quick question. I am still gathering information to start on this whole credit repair journey. I would like to DV a CA, however I don't even know who they are. On all three credit reports they are showing up under different names but for the same amount. If I dispute it with the CRA will they post or send me this information? When I say different names I mean this, Experian: they show up as Collection Agency Of TU: Collection Equifax 178yc12307 ????? what's that supposed to mean? I know what the bill is.......it is linked to a Sprint account that I once had. Now I just need to figure out who these guys are that are trying to collect.