credit card/credit report success

[bknyce]

Originally Posted by Jerseee

All,


It has been a long road (12 months) but, I finally have a success story worth sharing.& In the past, I have had small successes on a day to day basis using honor/dishonor techniques but, this is a CTC3 based success!


A third party debt collector was ruining my credit report with an unverifiable debt (like all of them).& First I notified the credit card companies of this debt collector.& I was getting phone calls at night and everything.& I wrote a letter to Trans union on Aug 26 demanding they verfiy this debt collector.& they wrote back asking me to dispute the entry on my credit report or my demand would be considered frivilous.
I wrote back citing USC Title 15, chapter 41, subchapter III and I basically wrote them stating that I cannot dispute an alleged debt that is not a verified debt.& By disputing the debt, I agree that there was a debt by default (negative averment on their part).


To make a long story short, I wrote that letter and tendered a VOD to the alleged debt collector on the same day (Sep 29, 2003).& Needless to say, the phone calls stopped, a certificate of non-response is being prepared (as I type this) and I just received notification from Trans Union that---that particular account has been deleted from my file.


My documents were made according to their response.& there is no boilerplate template that I used and I re-wrote the VOD to fit my situation!& Folks, this stuff works!!& Thanks Ice, JHD, OT, rocket, and Jason for your posts on this issue prior to me taking action.


Furthermore, I did the same procedure for a few other items on my credit report and they were all deleted as well.& I know some members will want to see some documented proof so,&Sui Juris&PM me and give me a fax number and you may use the docs I used to accomplish this for the members!&

Hey Jersee are u still around?....have some questions for you re a tender of a CPN to a CC company...lemme know if you're still kickin'

[Livefire]

Jerseee hasnt posted here in a long time, I dont know if he still lurks or what. Here's an attached copy of the VOD he mentions in the thread......Hope it helps!

[bknyce]

Originally Posted by Livefire

Jerseee hasnt posted here in a long time, I dont know if he still lurks or what. Here's an attached copy of the VOD he mentions in the thread......Hope it helps!

thanx for the doc...(CTC 3rd edition?)...have you had any success with this process?....I'm searching for some PRACTICAL solutions for remedy...eager to learn more