[acetech]

Hello, my name is Jonathan. I am new to the message board and this is my first post.

I have some accounts on my credit report that went delinquent about 5 years ago. Two more years and they should be falling off. I am aware that SOL is 6 with a contract and 3 years w/o contract in AZ.

My goal is to repair my credit and have a good score. The question is what is the best method to accomplish this. Here is what I plan to do to fix my credit:

1) Send disputes / validation requests to all accounts and see what is wiped off. Some questions on how to go about this are overwhelming though. Do I send only to CRA, CA, or both. If I have received the initial debt collection letter and have not responded within the 30 day period from one company am I still able to dispute this debt? Please let me know the best way of going about this validation / dispute phase. Do I dispute / request validation with one credit report at a time or all three at once? If only one at a time do I then have to dispute a removed debt with the other 2 credit reports? Where is the best place to keep an updated record of credit reports? Is there a site that I can sign up with to have reports on demand. Or do I have to pay money every time I want to see an updated credit report? This forum mentions having copies of dispute / validation letter templates, what is the location of these documents?

2) I want to start building credit, so that when everything wipes off I will be able to have credit established. The conflict is that if I start applying for credit my location of employment will be placed on my credit report. This will give CA motivation to place a judgment on me for the last year of SOL. Should I wait the additional year on this before going to apply for a car loan or revolving credit? I do have a small revolving CC for a store charge in the mall. I am planning on putting a small balance on this to have some payment history. Is there credit cards that I would be able to obtain without giving away my place of employment, or can I apply with my title, rather than place of employment?

3) I also have some judgments on my credit report. I have never been served for any of them. Some are from out of state and I have no idea what they are for? What method can I use to dispute these?

I have done some reading on this forum and see a lot of knowledgeable people. I am glad I have found a place where I can find help to get to the bottom of this mess I have ended up in. I look forward to hearing from you and being a part of this message board. It is cool that there is a place like this. Sorry for all the questions on my first post. I think this is pretty normal on this forum though.

[jlynn]

Originally Posted by acetech

1) Send disputes / validation requests to all accounts and see what is wiped off. Some questions on how to go about this are overwhelming though. Do I send only to CRA, CA, or both.

You send disputes to the CRAs, and validation requests to CA's.

If I have received the initial debt collection letter and have not responded within the 30 day period from one company am I still able to dispute this debt?

Yes, but they don't have to cease collection unless their is something in your state's law. [quote] Do I dispute / request validation with one credit report at a time or all three at once?[quote] Work on all 3 reports at the same time. Group by accounts vs by CRAs.

Is there a site that I can sign up with to have reports on demand.

Truecredit.com is one of the best. Now, those reports aren't good for disputing from - too much info missing, they are best for simply monitoring changes daily. The scores are not good for anything but gauging progress.

3) I also have some judgments on my credit report. I have never been served for any of them. Some are from out of state and I have no idea what they are for? What method can I use to dispute these?

Have you ever lived in those states? Do you have a common name?

[acetech]

Will I need to send disputes to each individual CRA?

Should I dispute all of my accounts at once? Or work on disputing about 6 at a time?

You mentioned truecredit.com is a good site for monitoring you CBR, but not good for disputing from. Where would you reccomend getting a report from with all the needed information to dispute, I kind of like myfico.com? Will I then be able to use truecredit.com, to monitor dispute status, and removal, or is another site needed?

I did live in the state I received the judgement. I am going to start that in another thread though. There is too much going on in this one as it is.

Does anyone know of a good URL where I can find letter templates to work from for debt dispute and validation?

[acetech]

How do you do the quotes in a reply?