DISPUTING RULES HAVE CHANGED

[Why Chat]

I have been posting in several threads about the need to stop disputing accounts as "not mine"( except for ID theft) and stop sending out form letter disputes.

 

Here is a link to the basic reason for my suggestion to use PERSONAL stationary, dispute as "incorrect" dispute at least 2 verifiable items on the account, send it certified but not RR, and to do this FIRST before sending any DV letters to anyone.

 

http://www.abanet.org/genpractice/magazine...editscores.html

 

Of course, the first thing is to opt out and delete old addresses, and the 2nd is to NOT dispute any account that is within your State's legal SOL, (unless, of course, it is NOT your account and you have reported ID theft or fraud)

[Savantrice]

thanks for the info Why Chat....i have seen you post parts of this in other threads.

 

My problem is the whole SOL issue. None of my accounts will be out until late next year at the earliest or 2007, and I want to start working on my repair now. I do understand that if you do any type of dispute you are opening yourself up to potentially be sued, but I figure with my largest account being $1300 and the others well under that, isnt the risk of being sued less or will they come after me for $500 just as easily as $5,000?

[credit007]

so...that's why the CRA's send out those forms requesting who is providing you credit repair services. Sneaky bastards.

[amandal0514]

I have been posting in several threads about the need to stop disputing accounts as "not mine"( except for ID theft) and stop sending out form letter disputes.

 

Here is a link to the basic reason for my suggestion to use PERSONAL stationary, dispute as "incorrect" dispute at least 2 verifiable items on the account, send it certified but not RR, and to do this FIRST before sending any DV letters to anyone.

 

http://www.abanet.org/genpractice/magazine...editscores.html

 

Of course, the first thing is to opt out and delete old addresses, and the 2nd is to NOT dispute any account that is within your State's legal SOL, (unless, of course, it is NOT your account and you have reported ID theft or fraud)

<{POST_SNAPBACK}>

 

Uggh... any chance if I've already sent some the old way it would work?

[GEORGE]

I have been posting in several threads about the need to stop disputing accounts as "not mine"( except for ID theft) and stop sending out form letter disputes.

 

Here is a link to the basic reason for my suggestion to use PERSONAL stationary, dispute as "incorrect" dispute at least 2 verifiable items on the account, send it certified but not RR, and to do this FIRST before sending any DV letters to anyone.

 

http://www.abanet.org/genpractice/magazine...editscores.html

 

Of course, the first thing is to opt out and delete old addresses, and the 2nd is to NOT dispute any account that is within your State's legal SOL, (unless, of course, it is NOT your account and you have reported ID theft or fraud)

<{POST_SNAPBACK}>

PERSONAL STATIONARY???

 

NO R/R????????????????????????????????????????

 

IN MY OPINION...THAT LACKS LOGIC

Edited June 6, 2005 by GEORGE

[Seraph]

I agree, why would we not want to use RR?

[blackberry74]

I'd be interested in hearing the rationale in not sending dispute letters w/return receipt.

[bretherite]

I would also like to know why not to send it CMRRR. And this only applies to disputing with CRA correct?

[GEORGE]

YES..."FORM LETTERS" is over used...

 

STATIONARY???????????????

 

I wouldn't...but that is me

 

(and I don't have any baddies anyway)

[radi8]

I believe the logic is as follows:

 

The CRA's have no way of truly knowing who is using CRO, so they "profile" disputes.

Form letter? CMRRR? That probably fits the profile and gets treated as a CRO spam dispute, not a legit consumer dispute.

 

That's what I'm reading into it.

 

 

I smell lawsuits aplenty if this is really what the CRA's are doing.

Denying a consumer their rights based on a "profile"= class action waiting to happen.

[GEORGE]

$4.42 IS WORTH THE MONEY!!!

 

I even send the taxes CERTIFIED R/R

[malayna]

you don't REALLY need a RR anyway do you? If you send it certified, you can track it and verify it was delivered.

 

You could send it priority. (same tracking ability as certified, just gets there quicker in some situations)

Edited June 6, 2005 by malayna

[Tiffany978]

I smell lawsuits aplenty if this is really what the CRA's are doing.

Denying a consumer their rights based on a "profile"= class action waiting to happen.

 

I hope you're right. I bet the CRA's thought they had us by being able to profile the disputes that came in that way.

[Svoboda]

I believe the logic is as follows:

 

The CRA's have no way of truly knowing who is using  CRO, so they "profile"  disputes. 

Form letter? CMRRR?  That probably fits the profile and gets treated as a CRO spam dispute, not a legit consumer dispute.

 

That's what I'm reading into it.

 

 

I smell lawsuits aplenty if this is really what the CRA's are doing.

Denying a consumer their rights based on a "profile"= class action waiting to happen.

<{POST_SNAPBACK}>

 

Exactly.

 

It isn't the consumer's fault that the CRAs are profiling them. I'll do what allows me to have a well documented and verifiable paper trail. If they want to ignore me, I could use the extra beer money.

 

It's 2005... If you cannot built an IT system that works, you shouldn't be in business.

[Svoboda]

you don't REALLY need a RR anyway do you?  If you send it certified, you can track it and verify it was delivered.

 

You could send it priority.  (same tracking ability as certified, just gets there quicker in some situations)

<{POST_SNAPBACK}>

 

I like having a signature in case you have to sue.

[malayna]

I must've missed why not to dispute as "not mine".... can somebody point me to that?

[Tiffany978]

I must've missed why not to dispute as "not mine".... can somebody point me to that?

 

I think Why Chat means you shouldn't just say it's "not mine", you should say something like, "I have never had an account with XX for XX amount on XX date".

[tkang69]

you don't REALLY need a RR anyway do you?  If you send it certified, you can track it and verify it was delivered.

 

You could send it priority.  (same tracking ability as certified, just gets there quicker in some situations)

<{POST_SNAPBACK}>

 

 

I use the RR because it creates a chain of custody. I like to know who's recieved the letter.

[malayna]

oh, ok... along the lines of -- don't use a "form" letter... (don't use a "form" dispute)

[GEORGE]

Mine has a POST OFFICE GENERATED POSTAGE PAYMENT LABEL...

 

(many times they even use the "OFFICIAL" CANCEL STAMP on part of the postage!!!

 

I don't think there are any CRO's in my city

[Uncle Leo]

I see the personal stationary thing as fine, and I agree completely with disputing before DVing, but the no RR part makes me scratch my head.

 

I have never been an advocate of using a form letter. I've always felt that a letter written by me, in my wording, but saying essentially the same thing, actually carries more weight. A form letter just makes you look like an amatuer who is blindly following someone else's lead and you don't really know what you're doing.

[GEORGE]

oh, ok... along the lines of -- don't use a "form" letter... (don't use a "form" dispute)

<{POST_SNAPBACK}>

SPECIFICALLY a letter that has already been generated...(like from a LETTER FORUM)

 

You just fill in the blanks and change some things on the letter to fit your needs

[Svoboda]

I must've missed why not to dispute as "not mine".... can somebody point me to that?

 

I think Why Chat means you shouldn't just say it's "not mine", you should say something like, "I have never had an account with XX for XX amount on XX date".

<{POST_SNAPBACK}>

 

And what happens when many people start doing this? The same thing. The fact of the matter is they do not want to help consumers out because it will ultimately hurt their bottom line.

[Uncle Leo]

STATIONARY???????????????

<{POST_SNAPBACK}>

 

Plain paper.

[GEORGE]

you don't REALLY need a RR anyway do you?  If you send it certified, you can track it and verify it was delivered.

 

You could send it priority.  (same tracking ability as certified, just gets there quicker in some situations)

<{POST_SNAPBACK}>

 

I like having a signature in case you have to sue.

<{POST_SNAPBACK}>

Some have LOST a case for one reason...and one reason only....MISSING GREEN CARD