GW letter

[danelleo]

How would I word a GW letter to a CA to try to get them to take a paid account off my report?

[Trish]

Hmm........I honestly wouldn't write a GW letter to a CA. Those letters are usually for OCs.

Have you tried disputing yet? How old is it?

[danelleo]

I have not tried disputing yet.... How do I go about that? Sorry I'm having a bad day and my mind is blank....

They are from
4/2008
4/2008
4/2008
4/2008
8/2007
4/2007

[Trish]

That's ok. lol I was looking through previous posts to make sure I hadn't misunderstood and told you to send a GW letter to a CA!!

If those are all paid, then yes......go ahead and dispute them first. Look carefully for any inaccuracies. If you can't find any, then dispute as "no knowledge or records of this acct".

See if any of them drop off that way.......and then if not.......then you can try going directly to the CA.

[danelleo]

So this letter might not work then:

Dear Credit Reporting Agency,
Please provide evidence that the following accounts belongs on my report and that my rights have not been abrogated. In the event that none exists, please delete this damaging account.

Collection Bureau of XXXXXX, Account # XXXX**

If it doesn't work, how would I word a letter stating no knowledge or records of account?

[danelleo]

Also, can I just send these regular mail or do I absolutely have to send them CM?

[danelleo]

A zillion questions is what I am known for! Here is another one for ya Trish....

There are two accounts that have the same acct. #, is that ok?

[Trish]

Probably not. Sounds like a duplicate entry. Dispute them both.

[danelleo]

So far I have 4 disputes in one letter, that is pretty much the max to do right? If I have more disputes do I write another letter? Is it ok to send these regular mail?

[Trish]

Yes, I would say no more than 4. (and honestly if you are disputing duplicates - count those as 1) You need to wait the full 30 days until the investigation is over before sending another round of disputes.

You can dispute them by regular mail......but I suggest sending them certified mail (but not RR). This way you can track them and you know exactly when the 30 days begins.
Also be sure to either hand write or type with purple or teal italic font.