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  1. Had a 60 day late 2 years ago on my chase card, sent a goodwill letter, and they came back with cold denial based on 'accurate information was reported' remark. Below is my response. I plan to mail monday, let me know your thoughts. Hopefully not too harsh for it's own good. 8-22-2014 Regarding: Account No. Cardmember Service PO Box 15153 Wilmington DE 19886-5153 To XXXXXXXXXXXX: Thank you for your response to my inquiry dated 8-2-2014 regarding the above referenced account. I have considerable respect for your company and not only the reputable name Chase has created for itself in the credit card industry, but I also the appreciate the line of credit Chase has extended to me with respect to my credit card account . With this said, I find myself somewhat disappointed that your response didn’t seem to address the request that I made directly. Given the state of my personal life at the time of the alleged late payment (and without going too far into the more private details of my life obstacles at the time), I made a simple goodwill request that you grant me this one reprieve from, as you saw, the late payment. Your response instead addressed the accuracy of the information reported to the credit bureaus and did not address the unique conditions that I shared with you to explain what may have caused possible late payments in my life at that time, if they did in fact occur. Considering my previously positive experience with Chase I approached this situation with good faith that I was dealing with a company who valued its customers and the business they bring through both good and bad situations. In addition to this, due to more responsible use of personal credit lines my credit score has already begun to improve within the last 12 months. As I grow into a more responsible credit worthy consumer than I was in my younger years, I will have need of business relationships with companies such as Chase. My decision on who to do business with and who to recommend to friends, family, and business partners will rely heavily on who has treated me fairly and reasonably in the past. I would ask you once more, before time and resources are spent on investigating my rights as a consumer and your obligations as a creditor under federal law, to reconsider rescinding this alleged late payment from all 3 credit bureaus. If you refuse to consider this request, I would then ask that you escalate all 3 letters thus far and my concerns about my future business relationship with Chase to the manager of your customer satisfaction department before you respond. If the potential for a future private and business relationship with a customer is not important to you or does not impact your professional position, there may be others with Chase that might be more understanding and grateful of nurturing potential private and professional relationships. Thank you for your time in this matter.
  2. OMG, so after hearing about nut cases for quite some time now I finally read a sample nutcase letter and it took me an hour to get rid of the cramps in my ribs from laughing so hard. I know the name had a close meaning to the letter but my god I about shat myself. I really need to try this and see what happens. I have a couple of CO with OCs that I would love to get rid of and maybe I should try this. I might create another version, inspired by nut cases, to send to other OCs that have been sold to JDB. Anyone had any recent luck with this?? I also thought about writing a letter in crayon at a 5 y/o level saying "Please delete my daddy's account so he can buy me a house to live in. Love Jimmy" I believe this is Doc's original nutcase: Date Name of Old Fully-Paid Acquaintance Address City, STATE ZIP To Whom It May Concern: I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by “NAME OF COLLECTION AGENCY” or “NAME OF ORIGINAL CREDITOR” for me, YOUR NAME, for account number XXXXXXXXX. Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2( of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan). I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driver’s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter. Sincerely yours, Your Name Address City, STATE ZIP
  3. I have two paid charge-offs on my CR that I want to remove..after some research I have come across a few methods. I am deciding between the Jack Attack and Doc's Nutcase letters...which is most effective initially? The two paid COs are from Victoria's Secret (WFFNB) and Macy's (DSNB). Thanks!
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