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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?
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.
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.
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...
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?
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?