Wheres the starting line ??

Westernacc · 04-10-2007, 06:46 PM

I have a lot of cards to pick from.. I'll list a few and ya'll , do what you do..LOL

MY CR's: CSC report Neg Info

5 Meds from 02..all originate from other state, 2 diff CA's..appears that 3 TL's have been moved to a TX CA that is bonded , the other 2 are out of state CA that is not bonded in TX but is licensed/bonded In their state ( and has been "spanked" by their state before)

Also TX AOG TL listed as "pays as agreed" type acc. "open" opened "1994" type of loan. CS I disputed this in 04-05 ( lexington) was removed from 2 CRA's and now reports as "30- 59 days late monthly" ever since. I have called AOG so many times they prolly know me but have no idea, they say I am fine and send me payment history forms, Last guy I spoke with in Feb. told me that its set up to receive it in any amount I.E. weekly, monthly payments, as long as its recieved IN full each month. By the way this was set up (adjudicated in 2003?) and is when this was placed on my CR. It is an arrears payment less than $6k

DW CRA..TU:

19 meds,,from 2002,,, 16 are same CA, Loan Type: Collection/attorney, list OC and $ amounts, Payment status: Collection Acc., Account type: Open account
Ca Bonded/licensed in their state, not in TX

remaining 3 meds are Diff CA's listed same as above.

We have never been Dunned, called ,contacted in any way with these accts and have never disputed any DW TL's to date

Any suggestions/ Questions?
I did try WhyCHats hippa on one to see what happens (other CRA)

All these TL's were reasons for Mortgage probs..

Thanks for your thoughts

Westernacc · 04-10-2007, 10:52 PM

Anything stick out that I should focus on and start breaking down?

Westernacc · 04-11-2007, 05:55 PM

I am going to dispute the Tx AOG TL agian and see what happens. should I include my full payment history as Doc's ? I dont disput the TL, but I do the lates.

My plan as far as the meds:

Not sure which way to go here. Do I dispute with CRA's 1st to see if they verify, then send a dispute to CA's invoking TFC 392 and also include the bond requirenment issue?
I would like to get as many violations I can as future leverage.

Was thinking if I Go CRA route 1st just to "solidify" my complaints later with CA's

direred · 04-11-2007, 06:50 PM

Always dispute with the CRAs first. You can't invoke most clauses of the FCRA first if you don't. There is no private right of action by disputing first with the furnisher.

Westernacc · 04-11-2007, 07:13 PM

Thanks for the reply,

Would it be prudent since there are so many TL's listed by one CA, to include all their entries in my initial dispute? in lew of 3-4 at a time.

Thanks agian

Hedwig · 04-11-2007, 07:56 PM

I've always heard that you should only do a few at a time. I don't think I'd do more than 3.

direred · 04-11-2007, 07:57 PM

I usually did 1-3 at a time.

Westernacc · 04-11-2007, 08:22 PM

OK thanks guys I will go that route and let ya'll know how it goes.

Kinda exciting when you get too it..LOL

Hedwig · 04-11-2007, 11:13 PM

And soon you'll be here helping others.

Westernacc · 04-12-2007, 12:51 AM

Hedwig,

I hope so, it seems far easier to advise than do my own, I don't understand that. I read others post and think, hey I know that 1, but when I roll my sleeves up and look at ours, GAAWd

I have learned from a newbie perspective, after reading tons of boards, things I hope I can do to help other newbies as I gain knowledge.

I think credit woes rank up in the top 2 things for mental stress. seriously

Hedwig · 04-12-2007, 01:04 AM

I think you're right.

And it's understandable that it's easier to see what is wrong in someone else's situation. That's often the case. You can see other people's problems, but it's hard to admit you have the same ones.

I've been there, done that, in credit repair and many other things as well.

jlynn · 04-12-2007, 08:55 AM

Quote:

Originally Posted by Westernacc

19 meds,,from 2002,,, 16 are same CA, Loan Type: Collection/attorney, list OC and $ amounts, Payment status: Collection Acc., Account type: Open account
Ca Bonded/licensed in their state, not in TX

remaining 3 meds are Diff CA's listed same as above.

We have never been Dunned, called ,contacted in any way with these accts and have never disputed any DW TL's to date

Any suggestions/ Questions?

Of the 16 accts with the same CA - are you 100% sure they are not bonded? Some of them have dbas, etc., that it makes it tricky to find them. If they aren't bonded in TX, that would be most likely the best approach, especially as old as they are.

Westernacc · 04-12-2007, 02:47 PM

Oh MY jylnn,

I think your right! grrr..I rechecked .
Collection Agencies and Debt Collection Home.. Good info on Colorado

Only Differance I can find is in their business suffix
Colorado list them as Healthcare Collections, LLC. dba A1 Collections, LLC

Texas SOS list as Healthcare Collections, INC.

A1 Collections, LLC . is on CR

I have no Idea how I missed that before..

Westernacc · 04-23-2007, 04:34 PM

Jeeze the "waiting" is like having a dental appiontment