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Got a question, hope someone can answer... What is he best way to get solid Lending Tree mortgage leads? Thanks for any answer or 2. Second question.. All,. |
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I would like to know the answer too. Anyone here know what is the right answer to your question. I'll do some Googling and get back to you if I got an useful answer. You should email the people at Lending Tree as they probably could answer your Lending Tree question..
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I recently began the same journey by pulling the 3-in-1 report. While it gave me a general idea of personal info/tradelines, it did not include everything I needed to know. As a newbie, I would recommend:.
1. Pulling up each report separately, from the source.. 2. Removing previous addresses from your reports.. 3. Signing up for Experians free Credit Expert Trial, so you can get a good idea of how on-line disputes work in a day-to-day format and check out their credit score simulator... |
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Thanks, I went through and got my actual EQ credit report today and prioritized everything on my report. I'll do the same with both EXP and TU. I'm going to sign up with CreditWatch per your recommendation. I disputed a few inaccuarcies already with EQ...
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Good for you. I just began last month. Visit this thread to remove addresses. It is important, because some believe that the CRA's may use them as a 'lazy' form of validation..
Http://consumers.creditnet.com/strai...threadid=41605.. |
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Here's the first plan:.
On mine, I'm disputing collection agency tradelines to start. I also have more than a few lates, so I'm going to try the "not late" on a few and "validation" letter to the rest after my first round goes through.. On my wife's, I'm disputing the reposessions that are listed, along with a deliquent account. I'm unsure about the seven-year thing...I have a few that were opened in 1995 so I'm not sure if I should go after those for the seven-year thing.... Thank for all the help..... |
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2*however, it is also reported paid in full..
4*CCS repayment.. Clakedorr. ===============. 2*Paid or not still a real bad NEG.. 4*Nearly as bad as BK.. The END ************************* LB 59.. |
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4*Nearly as bad as BK..
WRONG!!!. BK~~BAD!!!. **CCCS~~REALLY, REALLY BAD!!!. **NOTE...a few people have had great luck with CCCS...BUT "TONS" of people have had BAD luck with them!!! There have been people 2 years POST CCCS that still can't get a 100% securred credit card or mortgage under 10%.. |
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In the past, when I was concerned with the CRA labeling a dispute as "frivolous or irrelevant", I would save the "low hanging fruit" (like closed accounts, SOL accounts, etc) and intermingle them with my other disputes. I'm not sure if it had any validity, but my thinking was that it made the overall dispute letter less likely to arise suspicion then just a bunch of "not mine's". Now I'm not as concerned about it, so I'd consider getting as much of the low hanging fruit with the CRA's as I could, and just hit them all and see what's left. Then I'd put more thought into the last hangers-on...
Keep in mind, OC's don't have to validate. only CA's do (accept in TX, maybe some other states?). Learn the FCRA and FDCPA well, then you can keep an eye out for them doing things like inq's w/o a PP, not reporting your disputes, reinserting w/o notification, etc... |
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I haven't found anything in TX statutes that say OC has to validate. The statute differentiates between 3rd party debt collectors and debt collectors (OC's), but still leaves validation only to 3P's..
I've been looking thru Chap 392, do you know of another place this might be located?.. |
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Well, due to all the negative information that I'm hearing about my good friend CCCS, I've decided to drop them. I'll pay the same payment that I was to each of the banks and ask the OC's or the CRA's to remove the "paying by credit counseling" statement on the report. If not, that's one more thing I've got on them...lol.
Otherwise, I'm proceeding slowly with each of the CRA's...no more than three/four disputes in this first round, and doing ones that I know need to come off (because 7 years are up) or correcting an address. I mixed in one or two ones that are a little more difficult...it will be interesting to see the results... |
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Nope.. I don't live in TX, I just thought I had heard people here saying that TX holds OC's to the FDCPA and hence I thought that extended to validation. I may have been entirely off though, so I probably should have made that more clear....
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