Success getting a repo deleted

[Ummmmm ...]

Bump. I just fired off the letter from WhyChat and it would be great to hear from others on their successes or an update from radtechdude.

 

I am preparing my third letter in the series of whychat repo letters. Thanks nlocker for providing the 2nd and 3rd letter that you sent.

 

I am trying to figure out how many violations from my report to put on my third letter. Do you count all fields on the report? Like the date field, the account field, the deficiency balance, account status?

 

Also, on my Equifax report (after I disputed this account) the creditor they are reporting it as current for a few months and then they report it as charged off for a few months and then they report it as current for a few months. I think it is the creditor tactic to injure my credit score as much as possible to cause me to pay this off.

 

They have not provided proof of the proper notices. All they sent was a payment record and a copy of the sales contract when I purchased the vehicle.

 

So how many of the fields on each report can I claim a violation on?

 

Bump! It would be great to hear from others on their success with WhyChat's letter, or an update from radtechdude.

[funkiehouse]

Didn't work for my repo. I've done everything but file suit. Not going to do that because its not exactly their fault I wasn't able to pay. I didn't even want the car but the girlfriend at the time talked me into it so she could get to work and so she could rack up parking tickets that went to collections in my name.

 

Should have sued the dealer that sold me a car with a burnt out engine and fried transmission. Should have also sued the mechanic I had it checked out with. I replaced the engine and tranny by month 3 with another dealership. They said it doesn't look like the oil was changed since the car was bought.

 

I'm a little bitter about the whole situation.

[Ummmmm ...]

That's horrible. Sorry to hear it.

 

One for her.

One for the scumbag dealership.

 

Didn't work for my repo. I've done everything but file suit. Not going to do that because its not exactly their fault I wasn't able to pay. I didn't even want the car but the girlfriend at the time talked me into it so she could get to work and so she could rack up parking tickets that went to collections in my name.

 

Should have sued the dealer that sold me a car with a burnt out engine and fried transmission. Should have also sued the mechanic I had it checked out with. I replaced the engine and tranny by month 3 with another dealership. They said it doesn't look like the oil was changed since the car was bought.

 

I'm a little bitter about the whole situation.

[fiveyearplan66]

What if you don't know the vin# anymore?