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Found 9 results

  1. So I have a little lull in the action right now while my existing irons do their work in their respective fires, so I've been researching and reading, looking for trends of what has had some success, what has had minor results, etc etc. Came across the jack attack method in my readings, but haven't seen anything recent posted; seems like there was some good success with it in the 2009-2011 time frame, not much said since then. At least as far as I can find on here using the search. Anyone still use this method and have success with it? Am I right to understand that the point is to pick apart a trade line and dispute line by line the individual incorrect items with the hopes that the processor will just go for a quickie delete button rather than proceeding?
  2. I submitted a "jack attack" letter via snail mail to TU. I did log in online and asked them to send me my results via email. There were 5 items that needed to be fixed. 3 collections that I asked to be remvoved as they are obsolete (should fall off by July) and 2 late payments that I am fighting. TU replied yesterday with "investigation complete" email. 2 collections deleted and 2 late payments updated (not in my favor). BUT they totally ignored the third collection that was due to fall off in July. Not updated, not deleted, nothing. Since it's 31 days today and the investigation is complete- what do I do? I'm assuming they will have to delete it now, but what letter do I write? (Can I just call?) Yes, I have my proof as to when I sent it.
  3. 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...
  4. Hello CB!! This is my very first post here on CB and looking for help! I started my journey by going through Sky Blue Credit Repair and to be completely honest They were great, but now after looking through this forums for many months I feel it is now my turn to finish the Job. 05/2013- exp- 560 5 derogs eq- 535 5 derogs tu-590 5 derogs 12/ 2013- exp- 675 2 derogs eq-643 3 derogs tu-708 1 derog The main derogs were collections which I paid and had deleted, but the one aspect of my credit report I cannot seem to get handled is my CO from wells fargo when I was 18 and didnt realize that their supposed "over draft protection" was BS. That $ 300 credit line turned into me paying 857 3 years later So now its time to really boost my credit and heres my plan: 1. Get my previous address deleted 2. Jack attack the infractions, one that I will attack is the fact that the CRA did not follow the 30-60-90-120-150 progression with wells fargo In the mean time credit app spree Goal is 3 new cards! Currently I have: Premiere- 300 CL 2 years perfect payments Credit One- 500 CL 5 months perfect payment HFCU 20,000 @4.5% 2 years perfect payment Current UTIL 4% Please I need additional advice, comments and concerns. The only drawback is I do leave for the NAVY 2/5/2014 Goals! Exp 725 Eq 700 Tu 750
  5. I'm getting ready to launch this good ol' jack attack on the few remaining baddies on my EQ. I was hoping someone would take a look and give it the CB stamp of approval before I do it. Here's my jack attack below: American General Finance (908XXXX): This account shows a scheduled payment amount of $160. This is incorrect. Please correct or delete. The account number does not match any original creditor’s file that I have. Please correct or delete. This account shows last payment date of 05/2012 but yet the payment history shows it was charged off as of 05/2010. Please correct or delete. The High Credit reporting is not correct. Please correct or delete. Apollo Group Inc./University of Phoenix (909XXXX) This account is reporting as an “open” account, which is false. Please correct or delete. This account shows date opened as 09/23/2009, but also shows date of First Delinquency as 09/2009. Please correct or delete. This account is listed as an unsecured loan. They have never provided me with a loan. Please correct or delete. The account status is showing “Charge-Off” , which means the account balance should show $0. Please correct or delete. Payment history shows that payments were made from 09/2009 - 05/2010 and then charged-off from 06/2010 - 11/2010, then a payment was made in 12/2010 and then the account was charged-off again from 01/2011 - 12/2011 and then more payments were made from 01/2012 - 06/2012 and then the account was charged-off from 07/2012 - 03/2013. Please correct or delete. This account number does not match any original creditor’s file that I have. Please correct or delete. The balance of $1165 is not correct. Please correct or delete. The date of last payment is not provided. Please correct or delete. First Premier (51XXXX) This account is reporting as “revolving”. This is incorrect as the company is reporting it as “charged-off”. Please correct or delete. This account shows that it was transferred or sold. Please correct or delete. This account shows an actual payment amount of $30. This is incorrect. Please correct or delete. The account number does not match any original creditor’s file that I have. Please correct or delete. This account shows as reporting 120 days past due in 02/2009. Please correct or delete. Payment history shows that the account was charged off in 12/2010 but also shows payment history continuing until 08/2012. Please correct or delete. Payment history shows that account was transferred or sold in 10/2010 but also shows a payment made in 11/2010. Please correct or delete. Jefferson Capital Systems (26XXXX) The type of loan is listed as “Factoring Company Account (debt buyer)”. It is not. It is, in fact, illegal to falsely characterize an account as a “factoring company account” (15 USC 1692e). Please correct or delete this account. The account number listed does not match any original creditor’s file I have. Please correct or delete. The type of account is listed as “Open”. This is incorrect, as this account is closed. Please correct or delete. The high credit is listed as $676. This is incorrect, I have never had any type of loan or agreement with this company—as they state in their comments section, they are a collection agency. Please correct or delete. This account is showing as an individual account. This account is a collection account as stated by this company, which is a collection agency. Please correct or delete. This account shows date of First Delinquency as 01/2009 but date opened as 08/04/2009. This is incorrect. Please correct or delete. This account shows scheduled payment amount of $35. This is incorrect. Please correct or delete. Date of First Major Delinquency is reported as 10/2009, but payment history does not reflect. Please correct or delete. I know this is long but what jack attack isn't? I'd appreciate any advice given before sending this off to EQ. Thanks and of course, I will update results once sent!
  6. I recently sent out a Jack Attack dispute to Experian and Equifax: Equifax verified everything, while Experian refused to re-investigate. In response to Experian's previously verified claim, I filed complaints with both the CFPB and the BBB demanding they investigate my claims. Today, I received Experian's response to my BBB complaint: How would you all respond to this letter? Also, less importantly, how would you all repsond to Equifax "updating" everything listed in the Jack Attack?
  7. I sent a Jack Attack to TU 27 days ago. They have not yet responded and there are no changes to any of the 5 accounts I addressed on my CR yet. I'm trying to be proactive, so I'm hoping to write a follow up letter now so that if they don't respond within 30 days, I can mail it out. However, I'm not sure what to do next. What letter should I follow up with? Are they required to respond within 30 days? Thanks
  8. Hello, I am in the beginning stages of repairing my credit, I have been reading and taking in all of the information available on this site. So far I've triaged my CR's for all 3 bureaus, I've had all incorrect addresses, phone numbers and employers removed from my reports as well as Opted out. Yesterday I sent out DV's to the CA's CMRRR and followed Why Chats HIPPA program for a medical account that is past SOL. Here is where I'm at a lost... Today, I looked over my CR's again and noticed that I.C. System INC is reporting to EX and EQ that an account was opened 11/1/2008 and reporting to TU that the account was opened 11/5/2012. They are also reporting to EX and EQ that the account is Closed and reporting to TU that the account is Open. Do these discrepancies automatically break any FCRA laws? Would this be an appropriate time to Jack attack, if not any recommendations? Any assistance would be greatly appreciated. Thanks in advance!
  9. 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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