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  1. Nice job with your progress. How did you get the Capital One CLI? I was actually amazed by how easy it was! I had signed in to chat with a rep with a question about my account. And I asked about my credit limit, and he said I could request one online and walked me how to do that through "services". I put in my income, my rent and how much month in credit cards. And the next thing I knew I was being invited to confirm my acceptance to a credit limit of $1500.00! I know how difficult it is to get any credit increases with Cap1 so I was astounded! Like winning at the slots in Vegas, I pulled the lever and got a "triple 7" LOL!
  2. Checking in, wanted to update this thread. Over a year since originally started. Credit recovery has been a slow process, but it definitely happens, and makes you a wiser consumer in the end! Today, I am celebrating a little because I was just approved for CLI with CrapOne from $500 to $1500.00...That only took about two or three years. I am so excited, I feel like I have graduated from a "toy card" to a real card! Other successes, disputing and getting removing two utility collections, getting approved for a car loan through a local credit union. Still working on one medical collection and waiting for a BK filing to age off later this year. There is so much paperwork and research, for me it wasn't able to sit down all at once, I ended up doing what I could a little at a time. Still progress. My advice to others, even if that mountain your climbing looks to high, take it one step at a time, do what you can and keep going.
  3. Hi, NormanRex, I had an old cable bill, I sent a letter requesting validation of the debt to the CA. They folded immediately and within 30-days I had gotten a letter from them it would be removed from my credit. And it was. The other was an old gas company bill. I also sent a letter to the CA, they validated. I called the OC and explained I had never been notified about this balance due because it was a roommate situation. It was a $50 bill and they offered a pay for deletion, decided to do it because it was a small bill, although I think I could have continued to dispute and it would have been removed eventually.
  4. Cool, JeffeVerde...thanks! The old credit card DoFD was I believe May, 2008...in a few days will reach 6.5 years old. I am writing a letter to dispute the debt using the Texas Finance Code, which has a lot more teeth than Federal Laws. With validation, I want to them to provide valid documentation I have any sort of contractual relationship that I owe this debt to them as well as complete payment history on the account and how they have calculated the alleged amount due. The burden of proof is theirs to provide me with validation requested or delete the tradeline. TFC is a beauty! God bless Texas! And yes, I will follow WhyChat's strategy for the medical debt, it is an excellent and straightforward strategy. I am actually close to "getting there"! My foreclosure finally aged and was removed from the credit bureaus as obsolete, as well as other tradelines. I disputed a couple of smaller utility bill collections with success. Now, down to these last two bad boys.
  5. mk_378, one is very old credit card debt, far out of SOL....it is with the Bureaus now. I am using the Texas Finance Code to request validation or deletion if they are unable to provide proper validation. The other is an old medical debt, also out of SOL, have never been contacted by the collection agency that is reporting the debt. I am not able nor willing to pay any of the debt I allegedly owe. I am following WhyChat's guidelines for challenging the medical debt. And yes, I understand it is important to personalize the letter as much as possible and write in my own words.
  6. I have been reading over the forums (a lot) and downloading sample letters/reviewing sample letters to send out to the OCA and CB. I came across one letter that used a reference to two different dates to dispute with the CB (the date opened and the date reported.) I have looked again over previous threads and my downloaded docs and can't find it. Is anyone familiar with this letter, and or know where I might be able to locate this particular dispute letter? If not, can I simply write my own complaint about the discrepancy to the credit bureau. The OC states "date opened Nov 2008" and yet "first reported" June 2013. Thanks in advance...newbie here struggling with putting together my strategy. I only have two more debts to work on, one with the "The Bureaus" and one a medical debt. I am in TX, so I have drafted a letter invoking TX law for the same creditor and request for validation. Once this is sent out, will follow that up shortly after with a dispute letter to credit bureaus.
  7. I am a TX resident - I have only two derogs on my credit report, one is for medical debt.(will use WhyChat's method to tackle the medical debt). The other is for a very old credit card debt with a CA. I am preparing my letter to the CA. I will be disputing this tradeline with all three bureaus as well, sending out the letter to both CA and Credit Bureaus at the same time. I have been reading so much, my head hurts. If I start a master thread to centralize TX info, requesting links so that perhaps this is easier for the next person, would that be helpful? I know there are a couple of main threads but info contained within gets buried. Is this a helpful suggestion? Anyway, here is my draft, starting this process again to tackle this tradeline, long out of SOL. CMRR Pondscum CA RE: Your collection account listed on my credit reports. Account # 4**** To Whom It May Concern: I was recently alerted by my credit monitoring service about a collection account placed on my credit reports. After reviewing my reports, I noted that your offices are reporting an outstanding amount to the credit bureaus in the amount of $7080.00, with the above account number appearing in the credit report prepared by EX, EQ and TU. I am aware that you are a collection agency. I maintain the position there are no amounts due or owing to you, or to any other entity, in the claimed amount. I dispute the alleged debts in their entirety and request validation of this account through the use of competent legal evidential material which includes some contractual obligation to pay your organization, or that I owe your organization the amount, being reported to the credit bureaus. In your return correspondence, please include all documents associated with this account including, but not limited to: Agreement with your client that authorizes you to collect on this alleged debt. Proof that this debt was legally transferred from the original creditor to you, the collection agency and the date this transfer occurred. Agreement that bears my signature where I promise to pay said original creditor, specifically the dates and type(s) of service provided by the original creditor. Complete payment and or service history on this account, including current balance, original balance and date of original default. As I am Texas resident, I am invoking Texas Finance Code 392.202 and I suggest that you adhere to its provisions. I will not hesitate to act if you disregard my rights or violate the laws of Texas you are required to adhere to. You have 30 days from your receipt of this certified letter to validate this alleged debt. If you cannot, or will not, validate this account properly in 30 days, Texas Finance Code 392.202(d) requires any trade lines associated with this alleged debt must be deleted from any and all credit reports/reporting bureaus you may do business with. You are not to sell, transfer, assign, or share any information about me, or this alleged debt with anyone else. I am reasonably certain that your staff is aware of the current position of many courts that continuing to report a trade line is viewed as continuing collection activities. I am also reasonably certain that your staff is aware of the requirements of the Texas Finance Code pertaining to the reporting of matters that are disputed. In particular, I would again point you in the direction of Section 392.202 which references the duties of the collector upon notification of the matter being in dispute. Nothing in this letter authorizes a hard pull or a soft pull of my credit information. The account number you have reported to a credit bureau is included and should provide you with sufficient information with which to identify me in your existing records. There should be no basis for you to request additional information from me in the validation process. It is not incumbent upon me, as the injured party, to build your files for you, nor should I pay a penalty in the form of failure to procure credit from existing or new lenders and bear a negative impact on credit scores for your attempts to reconstruct records which you should already have possessed prior to making any claim. If such retrieval is discovered to have occurred, it will be evaluated for action as a non-permissible access of the report as well as retaliatory actions for the exercise of rights provided to me as a consumer under Texas law. Be advised you are hereby put on the 60 day notice of "right to cure" as allowed under the Texas Business and Commerce Code (BCC17). In addition to the reporting requirements incumbent upon third-party entities, Texas law also contains a bonding requirement. A search of the list of bonded agencies provided to me by the Legal Support Unit/Statutory Documents Section of the Secretary of State did support that a bond was in place at the time your office claims to have reported the file. Records reflect that the bond is underwritten by Hartford Casualty (#83BSBES379) and involvement of their claims personnel has been held in abeyance pending your compliance with the request for validation under the Texas Finance Code. Failure to timely and fully validate this alleged debt will result in an actionable offense(s) under Texas state law, in which damages will also be sought under § 17.41 Deceptive Trade Practices and are subject under Texas law to a trebling upon a showing gross negligence. Should legal action be necessary, venue shall reside in Travis County, Texas. Upon a favorable finding in the Travis County courts, claim will be made against the bond. There are no federal questions being raised in this matter and any attempt to remove an action to Federal Court will be challenged. This document is also to serve as notice that the only form of correspondence I am willing to receive from your business is through the written communication at the address listed below. Telephone calls to my home or place of employment are inconvenient. I retain the right to use this correspondence and all following communications in any court proceedings arising in regard to this account. Xxx TexasCity, TX xxxxx Cc: Bond Underwriter Company, **** Cc: Office of the Attorney General,****
  8. Thanks, DCPenal! I was hoping to spend a couple of hours getting out my letters for this one collection account in particular. Earlier, I had spent a lot of time in the CB Forums, but had to put it aside due to some personal issues that came up. Now, able to get back to this. There is so much to learn and know - credit law is very complicated! Fortunately, TX Law has some significant consumer protections. And yes, I agree, step back for a week simply to read and absorb everything. The Cliff Notes thread and GANT chart together would be really cool!
  9. Thank you, DCPenal! I really appreciate your reply. I need to do much more reading on this, I realize now I am no where near prepared at this moment to send out letters until I have all of my research on this done.
  10. Thanks, DC Penal, for the feedback. I will go back to the newbies section and the posts on this thread and PsychDoc's credit intervention guide, and review.
  11. Short and sweet...official TX resident and to put all disputes in one letter. All of the tradelines are out of SOL and obsolete or almost obsolete. Getting ready to send this draft letter out tomorrow to all three bureaus. Feedback would be appreciated! name address 5 August 2014 Dirt Bag Credit Bureau Re: Report To Whom It May Concern: Please provide documentation as mandated by Fair Debt Collection Act as well as State of TX Business Finance Code that the following tradelines belong on my credit report, information that is being reported is accurate, that this debt belongs to me and my rights have not been abrogated: HSBC, PO Box 9, Buffalo, NY 14240 high balance $1920.00 The Bureaus, Inc, 1717 Central St, Evanston, IL, 60201 recent balance $7030.00
  12. Finally reached my official TX state residency and out of SOL with the Bureaus. I have put together a draft letter for DV which includes reference to TX state laws. I will also be sending out a DV letter to all three bureaus. I have been waiting a long time for this! 5 August 2014 name address The Bureaus 650 Dundee Rd, Ste #370 Northbrook, IL 60062 Re: Acct # 41447**** Enclosures: Debt Validation Form To Whom It May Concern: This letter is being sent to you in response to a review of a recent credit bureau report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Compliance with this request is mandated under the laws of Texas and as well as Federal Statutes. In addition to the questionnaire below, please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion . I also hereby reserve my right to take private civil action against you to recover damages. Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements.
 Sincerely, XXXX Debt Validation Form Questionnaire to be returned : Account #: ____________________ Original Creditor's Name: _________________________________ Name of Debtor: ______________________________________ Address of Debtor: ___________________________________ Balance of Account: __________________________________ Date you acquired this debt: _________________________ This Debt was: assigned ___ purchased _____ Texas Surety bond information as required by Sec. 392.101 _____________ Any fees added by your agency. Sec. 392.303 (a)(2) ____________________ Please indicated any credit bureaus to which you have reported on this account: Experian ______ Equifax ______ TransUnion _____
  13. Thanks, WhyChat!!! Sooo much appreciated! I am glad I did receive this little handwritten letter, proves they are NOT able to verify or refuse to verify, as you said they "would NOT dare to verify. " Will be sending a letter disputing the tradeline to the CRAs next.
  14. Posting a follow up on this...Today I received a small handwritten note from Golden State Credit Service for me "please contact our office in regards to my certified letter." I have not yet sent my dispute letter to the credit bureaus. I wonder what the best way is to respond to this? If they are unable to validate - don't they have to remove the tradeline, by law? Send another certified letter and state the same - demand for validation or remove?
  15. I called today and got a paid for deletion! It was the first time I had ever called them about the bill, had sent my dispute letter, offered to pay in full and asked for deletion. The rep agreed and said it would be updated April 1. I should have gotten this in writing, but I do know that PMS is known to offer pay for deletions, and wanted it to get paid to prevent any problems setting up utilities again.

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