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  1. It depends on what you are trying to accomplish. If you have received your credit reports your next step is to go over them carefully. Look for any misinformation such as addresses you don't recognize, alternate SS#s misspellings of your name etc. Check your derogatory accounts to see when they might be coming off your reports, that will help tell you if it is safe to dispute them if they are past the legal SOL for being sued in your State. Follow this guide; https://whychat.me/GUIDEBOOK.html If you have medical accounts that are over 2 years old dating from the date of service, start a thread in the medical forum for individualized assistance. If you have any other kind of collection accounts, post in THIS thread the type of account and the date you first defaulted and your State.
  2. OK, if it has been more than 90 days since you last sent any dispute to the CRAs you can start over. As to the address deletions-- in your case skip it as you realistically can't delete addresses that you are currently using for any official documentation. https://whychat.me/GUIDEBOOK.html Send ( or resend) the initial dispute letter to the CRAs https://whychat.me/GUIDE HIPAA PROGRAM.html https://whychat.me/hipaadisp.html If it has been LESS than 90 days send the medical DV to the reporting CAs https://whychat.me/ltrcavalhipaa.html and send the follow up dispute to the CRAs https://whychat.me/ltrcavalhipaa.html#DISPUTE
  3. Ken please start your own thread. Everyone's situation is different and it only gets confusing if you post in someone else's thread.
  4. I am of the opinion ( until proved wrong) that the CRAs never upgraded their computer systems to the same level as the USPO. The PO address scanners can "read" blue on blue but to the best of my knowledge although the CRA scanners can DUPLICATE "blue on blue" and transmit the scan, their "reading" programs (unlike the PO) cannot enter the results into their system. It would be pointless to prevent scanning and transmission of the disputes completely as that would prevent ANY way of the dispute being handled.
  5. It is more than likely that the credit repairs and credit ratings of most people who have been using this forum will be impacted in some way. Here are some tips for recovery. Make sure that your drivers license and all other documents are up to date on your address. Opt out to help prevent scams and fraudulent inquiries or entries on your reports. REGISTER TO VOTE!! If you are in a State that allows no excuse needed voting by mail make sure that all members of your family who are over 60 or have health problems of any kind are signed up to receive a mail ballot. If you are in a State that requires an excuse for voting by mail, make sure that any eligible members of your family sign up. 20 states permit voters to vote via absentee ballots but require an excuse. 33 states and the District of Columbia allow early voting with no-excuse required. 6 states and the District of Columbia allow voters to request 'Permanent Absentee Status' If you have to move, make sure that all your documentation AND your voter registration are notified, this is especially important if you are moving in with other family members on a temporary basis. BE KIND TO OTHERS, even if it is difficult to do so. Good character is more important than good credit.
  6. Dispute them all. to delete old addresses send a letter to each CRA ( Credit Reporting Agency)WITH PROOF OF DELIVERY# with a copy of the personal data page of your report and the "old" addresses circled in red. You state that the circled addresses of xxxx and xxxx are invalid ,and the ones double circled are completely unknown and that you are concerned about ID theft/fraud, include a copy of your drivers license, a copy of your SS card and a copy of a recent utility bill as proof of your identity and correct address. You can DOUBLE CIRCLE the ones that are unknown.
  7. I am a nonagenarian but would prefer to keep on going on, however I have made sure that if I believe I will become incapacitated for ANY reason I will make sure I don't wind up in either a hospital or nursing home. Meanwhile I am in "solitary confinement". " scum sucking leeches" is one of the many appropriate terms for CAs (and their current governmental enablers)
  8. https://www.theguardian.com/money/2020/mar/28/us-debt-collection-wage-garnishment-coronavirus
  9. They either delete or respond with a letter stating that the account was verified. They will NEVER provide the requested data as they are not really allowed to under the HIPAA privacy rules. If someone is disputing ANYTHING it is always better to provide 3 or more reasons. This makes it more difficult for the CRAs to "code" the dispute and answer it automatically. If they do not delete, you then go to the next steps in the HIPAA letter program. https://whychat.me/GUIDE HIPAA PROGRAM.html
  10. Wait a another 20 days. The OC has had to figure out how to handle the payment. If it still hasn't been deposited within the next 20 days, send a letter (regular mail) or call the OC and ask for the security office. Tell them that a payment that was signed for by (name on green card) has not been deposited and you are concerned that it might have been misappropriated. ( you DID follow the instructions about sending it CMRR didn't you? https://whychat.me/hipltr.html)
  11. Follow the guides; https://whychat.me/GUIDEBOOK.html opting out will help avoid future poisoning of your reports from JDBs (junk debt buyers) https://whychat.me/GUIDE HIPAA PROGRAM.html The initial dispute letter will likely get it deleted; https://whychat.me/hipaadisp.html
  12. I assume you meant CRA's. Yes you can send the initial dispute letter to Eq.
  13. Is it your account?? If it IS your account when did you default with AT&T?Have you applied for a mortgage recently? Have you disputed it with TU?? Try this; https://whychat.me/GUIDEBOOK.html https://whychat.me/initdispltrsol.html
  14. IMO, the key to a successful dispute is to make it difficult for the CRAs to "code" the disputes. PLUS,in order for the disputes to be transmitted to outsourced CSRs the "letter" must be COMPLETELY scannable. I appreciate "Hegomony"'s comment however IMO the more difficult the process to input the data the better the chance for an automatic deletion. PLUS, when FACTA was first enacted the CRAs obtained a "waiver" of the time period for replying for communication from a "non-consumer" such as a CRO or a lawyer. They have an agreement that ALL mail that must be signed for is arbitrarily classified as NOT coming from a consumer and therefore is not subject to the consumer time limit for response. This is why I suggest mailing via priority mail with a tracking # and NO signature required. I have not as yet, seen a Court case deny the proof of mailing of any documents without a signature.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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