What to do first!!!!!

[jlyriq]

Hi all, i just signed up for this forum and I am beginning to clean my credit up but I'm a little confused as to what to do first after i receive all of my CR's. Do I send validation letters first or do i Dispute first? Please Help :-)

[jjgross]

Originally Posted by jlyriq

Hi all, i just signed up for this forum and I am beginning to clean my credit up but I'm a little confused as to what to do first after i receive all of my CR's. Do I send validation letters first or do i Dispute first? Please Help :-)

Have you read the beginners guide yet?And welcome aboard you will learn how to repair your credit and help you in your pursued of a better life

[Trish]

Welcome jlyrig

Yes, read the step by step guide that is pinned at the top of this section. If you still have any questions, let us know.

[jlyriq]

Thanks, so i have done step 1,2 and working on 3. I plan to call the CRA's and dispute the old addresses they have on file but I'm not sure what do i tell them? Do i say i want to remove these old addresses or do i just say i never lived there, etc?

[Trish]

Yes.....just say you never lived there. The only one that will be tough is EX. If they have any of your addys tied to a TL, they will tell you it cannot be removed.....that's fine. Just ask them which TL it is that the addy is tied to and make a note of it for future reference.

[jlyriq]

Got it, thanks alot for your help and i will keep you posted on progress. :-)

[hcc]

my question is.....
is it better to call in or write in to dispute personal information? if you write in and once you get your response back, how long do you wait to start disputing? 30 days? i would probably prefer to write in.

thanks for any help

[creditrepairnow]

Originally Posted by hcc

my question is.....
is it better to call in or write in to dispute personal information? if you write in and once you get your response back, how long do you wait to start disputing? 30 days? i would probably prefer to write in.

thanks for any help

Write in. That way there is a record of the transaction. You can start disputing as soon as you get your response. Good luck!