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I want to make sure I'm going about this right, so I wanted to post the steps in which I'm looking to proceed and hope you all can critique me. Note: This is all done after opting out and removing inaccurate addresses from my CR. 1) Send dispute letter to all 3 CRA's for 5 seperate CA entries. If they can't verify, ask for removal. Is dispute letter to the CRA sent CMRRR? 2) For the ones that do verify, proceed with 1-2 punch, sending a debt validation letter CMRRR to those CA's. 3) After I get my receipt from the CMRRR, dispute with CRA. In disputing with the CRA, do I still follow the idea of leaving a paper trail, and only disputing in writing, or can I dispute online in a 1-2 punch process? 4) If 1-2 punch fails with CA legally validating, send PFD letter. I'm a little nervous about starting this whole process. I have the money to PFD for all of my TL's but I want to avoid having to pay the full amount if possible. I just want to proceed in the best way possible to improve my credit asap. |
| #2
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What does CMRRR stand for? I think you have a pretty solid strategy outlined though.
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| #3
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Certified mail return receipt requested. And no, do not send to the CRA's certified with a return receipt. It just pisses them of and isn't necessary unless you think may actually ending up suing one of the credit reporting agencies. |
| #4
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Since a dispute is one of those situations that sets a time period for response, it would be prudent to have a return receipt. The person who accepts the CMRRR wont be the party who handles the disptue. I would not worry about "ticking them off." The CRA is not the one who decides the substance of the dispute. You can handle the same situation by sending one direct dispute to the creditor, and thus avoid three separate letters of dispute to the CRAs. |
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