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Hi all, I've searched and I can't find a general consensus on the boards. I disputed 4 TLs with each of the 3 CRAs. I was very specific in my disputes, "Monthly amount not provided", "Open date of jan 23, 2009 incorrect, please change or delete". Of the disputes, only 1 came back as deleted and that was because the CA didn't respond in time. Major failure. I'm wondering what should be my next step? All are outside of the SOL for Cali. Most are parking tickets, cc's, and a couple cable/cell accounts. I've offered to PFD for most of these, only to hear that they 'don't do that". Would the 623 method be recommended? if not, what? THANKS SO MUCH. I'M STRANDED but I am motivated to continue, just stuck a little right now...
So I am asking while these accounts have special circumstances here. Most of them are due to fall off at the end of the year. I have a mortgage and a couple of Charge-offs. With these being verified on disputes with CRAs, what would be best route to take at this point. - Goodwill to Creditor (Mortgage was involved in lawsuit for illegal foreclsure proceedings and received settlement for NATIONAL MORTGAGE SETTLEMENT) Was thinking about using this as leverage for a sympathy case goodwill - 623 Dispute (if thats the right number) (Should I go at the creditor producing some docs.. account was included in Bankruptcy (Chapter 13) but i didnt finish the repayment plan either) so it was dismissed.) - 1-2 Punch of disputing directly with the OC and then disputing again with the CRA with some other reason on dispute.. - Dispute as Obsolete not sure how Experian takes to these... Your feedback is appreciated.