Posted on: 16th May, 2012 01:43 am
Hi there. I have credit card charge offs from 2007-2009 that I am trying to have the CRA validate, in the hopes that they cannot so they have to remove the listing from the report. If this doesn't work, I will try the 623 method, then DV with the CA, as this site explains. I have also heard of the "jack attack" method, which, if I understand correctly means I list several reasons for each trade line asking them to verify and if they can't, to remove. Is this the best way to go about it? Is there a list of reasons to list for the jack attack method somewhere? Finally, do I need to handwrite the letter? Or can I type and print? What else can I say in my letter so they won't mark it as fictitious and not investigate?
Thanks! I am very excited to start this process!
Thanks! I am very excited to start this process!
Hi Quantas,
If you don't owe the debts, you can dispute the items with your credit bureaus. The CA is unable to verify the debts, the credit bureaus will remove the items from your credit report. It is not mandatory to handwrite the letter. You can get the letter typed and then you can just sign it in order to authenticate the letter.
Feel free to ask if you've further queries.
Sussane
If you don't owe the debts, you can dispute the items with your credit bureaus. The CA is unable to verify the debts, the credit bureaus will remove the items from your credit report. It is not mandatory to handwrite the letter. You can get the letter typed and then you can just sign it in order to authenticate the letter.
Feel free to ask if you've further queries.
Sussane
Welcome Quantas,
You may know the jack attack method in details from the given page: "http://www.creditinfocenter.com/forums/credit-repair/302296-my-jack-attack-letter-failed.html". Moreover, both handwritten as well as typed letters are accepted by the creditor/CA.
You may know the jack attack method in details from the given page: "http://www.creditinfocenter.com/forums/credit-repair/302296-my-jack-attack-letter-failed.html". Moreover, both handwritten as well as typed letters are accepted by the creditor/CA.