Well what you can do is dispute the information. If they "validate " the information, you can then do a second dispute, where they have to provide the information which they used to validate the information on your report which was provided by the creditor. They have 15 days to provide it , or remove the information. If they provide creditor information, you can again challenge it. All they have is a third party piece of paper , agreeing with the creditor which is illegal and can be disputed.
@tbursee a credit bureau doesn't really validate the information... they do so electronically... many times I've called a creditor to verify information myself, and there was none... or it was incorrect.... I've seen that all credit items need to be manually verified... to be accurate...
@montyloree Well for validation you need an original signiture , which most bureaus cannot get. Something can be true on the credit report , but if it's not there legally, meaning having been verified down to your signiture , then it has to be removed. Thre creditor gets the benefit of the doubt , because they are paying the bureau. A lot of people dont know about the 15 days the bureau has to provide you with the form of validation or it has to be removed. I've used this to get true items off.
@tbursee So yes a nortary is A COURT OFFICAL, its like swearing in front of a judge, so if they can get a certified true copy than they can go ahead and send this official true copy to for your inspection , front and back mind you, and if there is a true signature which there wont be, but if there is contact me for next step, but i know i wont hear from anyone ! cameronups@gmail.com
Yeah ...sure you can. I will tell you that if you start bombarding the credit bureaus with challenges. It won't take long until the get their big red ink pad out and their stamp that say" frivolous" and your challenge ends up in file 13. Repairing credit is like working on your car , if you what you are doing fine. If not consult a proffessional, ie someone with experience and credential in that specific area.
@unclefixer agreed about the frivolous part..however, the law says what the law says... credit reports must be accurate, complete and verifiable... it's just a matter of enforcing the rules with the credit bureaus and all of the concerned parties.
Well, expired or ones that are outstanding, i have cleared about 15-17000, off my credit report but mind you i was calling transunion and equifax like 3x a day checking my report and watching the activity. Any collection agency who is trying to collect has no CONTRACT WITH YOU IN YOUR NAME PERIOD. So with that said the simple letter requesting proof of debt to their company with a contract in its original form to be sent notarized certified true copy.
If they can send one of those babies settle up, your thinking but i do not have the money to settle up, tell them you do, its poker, so have your best face on, because seeing they do not have a contract signed showing you OWE tHeM, THEY HAVE NO CASE.....they can now be sued for racketeering, collusion and malversation as well do not forget defamation of character by reporting a unverified claim. So make sure you keep track of letters sent and give them 20days to reply
@montyloree your not disputing anything your putting the onus on them to prove there is a debt, i conditionally accept, condition that you provide the ORIGINAL CONTRACT IN ORIGINAL FORM PERIOD nothing else to be discussed furthermore until i see that. Do not make statements ask for original and wait on that, request it in exchange for fulllllll payment on account so you remain in honor period. as for credit reporting agencies, i am considering taking them to court and getting 20,000 out of them
@biggadawgz oh one thing i forgot was , what you will be requesting is a true certified copy and contact notary to verify cause the info will be on the document, but you will be wishing to exchange the original contract for full payment. but seeing they wont have any originals as they are made digital then your alll good
@biggadawgz it's good if you make things official... I'm not sure if you need a notary public, however, if you go to consumer protection and show them who you are, they should be able to help you when you're dealing with the companies you're disputing with...
Well what you can do is dispute the information. If they "validate " the information, you can then do a second dispute, where they have to provide the information which they used to validate the information on your report which was provided by the creditor. They have 15 days to provide it , or remove the information. If they provide creditor information, you can again challenge it. All they have is a third party piece of paper , agreeing with the creditor which is illegal and can be disputed.
tbursee 11 months ago
@tbursee a credit bureau doesn't really validate the information... they do so electronically... many times I've called a creditor to verify information myself, and there was none... or it was incorrect.... I've seen that all credit items need to be manually verified... to be accurate...
montyloree 3 months ago
@montyloree Well for validation you need an original signiture , which most bureaus cannot get. Something can be true on the credit report , but if it's not there legally, meaning having been verified down to your signiture , then it has to be removed. Thre creditor gets the benefit of the doubt , because they are paying the bureau. A lot of people dont know about the 15 days the bureau has to provide you with the form of validation or it has to be removed. I've used this to get true items off.
tbursee 3 months ago
@tbursee So yes a nortary is A COURT OFFICAL, its like swearing in front of a judge, so if they can get a certified true copy than they can go ahead and send this official true copy to for your inspection , front and back mind you, and if there is a true signature which there wont be, but if there is contact me for next step, but i know i wont hear from anyone ! cameronups@gmail.com
biggadawgz 3 months ago
Yeah ...sure you can. I will tell you that if you start bombarding the credit bureaus with challenges. It won't take long until the get their big red ink pad out and their stamp that say" frivolous" and your challenge ends up in file 13. Repairing credit is like working on your car , if you what you are doing fine. If not consult a proffessional, ie someone with experience and credential in that specific area.
unclefixer 1 year ago
@unclefixer agreed about the frivolous part..however, the law says what the law says... credit reports must be accurate, complete and verifiable... it's just a matter of enforcing the rules with the credit bureaus and all of the concerned parties.
montyloree 3 months ago
Thanks tdfwins69... I appreciate that..
Yes indeed.. I have a copy of this credit repair ebook on my site.
montyloree 2 years ago
@montyloree ...part 1
Well, expired or ones that are outstanding, i have cleared about 15-17000, off my credit report but mind you i was calling transunion and equifax like 3x a day checking my report and watching the activity. Any collection agency who is trying to collect has no CONTRACT WITH YOU IN YOUR NAME PERIOD. So with that said the simple letter requesting proof of debt to their company with a contract in its original form to be sent notarized certified true copy.
biggadawgz 3 months ago
@biggadawgz ....part2
If they can send one of those babies settle up, your thinking but i do not have the money to settle up, tell them you do, its poker, so have your best face on, because seeing they do not have a contract signed showing you OWE tHeM, THEY HAVE NO CASE.....they can now be sued for racketeering, collusion and malversation as well do not forget defamation of character by reporting a unverified claim. So make sure you keep track of letters sent and give them 20days to reply
biggadawgz 3 months ago
@biggadawgz I agree... it's a good idea to write letters , and then keep track of all communications from the companies you're disputing with.
montyloree 3 months ago
@montyloree your not disputing anything your putting the onus on them to prove there is a debt, i conditionally accept, condition that you provide the ORIGINAL CONTRACT IN ORIGINAL FORM PERIOD nothing else to be discussed furthermore until i see that. Do not make statements ask for original and wait on that, request it in exchange for fulllllll payment on account so you remain in honor period. as for credit reporting agencies, i am considering taking them to court and getting 20,000 out of them
biggadawgz 3 months ago
@biggadawgz ....part 4
or they full agree there is no debt.anyone in need of help email cameronups@gmail.com
biggadawgz 3 months ago
@biggadawgz oh one thing i forgot was , what you will be requesting is a true certified copy and contact notary to verify cause the info will be on the document, but you will be wishing to exchange the original contract for full payment. but seeing they wont have any originals as they are made digital then your alll good
biggadawgz 3 months ago
@biggadawgz it's good if you make things official... I'm not sure if you need a notary public, however, if you go to consumer protection and show them who you are, they should be able to help you when you're dealing with the companies you're disputing with...
montyloree 3 months ago