Of course! but... you might wanna make sure and wait for another person here to confirm this as I am not sure. Better yet, why don't you email the Lending Tree guys because they can assist you better...

Thanks for the response, bay....

My question was really more of an issue with the legalities of time frames. I'm looking at the letter I sent, and the letter I want to send and I'm seeing a discrepancy in how long they were told they have and how long they had..... understand?? get it??.

Lol.

I also sent a validation letter to the CA for this same account.... so maybe it would be best to wait the 30 days??..

I think from what I have learned from this board is go ahead and pull the trigger. The couple hundred bucks and the few hours preparing and filing the lawsuit is well worth the time. CRA respond eratically to threats, some just ignore you, some do what you want. When they get served from what I can gather from experiences of others, they cave 95% of the time.

And the other 5% they put up token opposition like waiting to settle at the preliminary hearing. Is the cost of doing business for them. They will delete the disputed stuff rather than fight. What do they care, it's not their money...

Gargoyle:.

I have to agree with lwg8tr. However, in regards to your timeline questions, if you have already given them thirty days, then I don't see why you would have to give them another 30. Change it to 15. I don't think a judge would find that unreasonable. Then when they don't respond, sue 'em...

Synopsis of what I have learned on CreditNet in 18months.

1. Dispute twice on you reports. What to see which falls off without a fight (60 days).

2. a) Send out validations (30 days).

B) Send procedure letters to CRAs (15 days).

3. a) Send Estoppels(15 days).

B) Send "You screwed up CRA for not sending procedure info, so delete" letter to CRA.

4. Send threats to sue creditors who screw up validation (15 days).

5. Redispute with CRA this time submit dispute validation, estoppels and threat to sue letters in hand. Third dispute with CRAs (30 days).

6. In 30 days you have a huge book of violations on both CRAs and creditors. Gather and catalog violations.

7. File on CRAs for max in small claims (30 days from file to service).

8. Capitulation ( most likely by CRAs).

7. Total victory in about 7 months.

Now on my wife I only reached stage 5 and through disputing, procedures and a Tony Soprano mentality the reports were wicked clean. See I think the whole spirit of all these programs is to get the CRAs and creditors on the Bataan death march. Use their bureaucracy against them. Play hardball and don't flinch. The system is pretty fool proof.

1. The CRA and creditors are lawsuit averse..

2. Even if your lawsuit fails against the CRAs then you sue the creditors.

3. You can always re-sue for fresh violations..

4. These are stumbling, bumbling bureaucracies who fall over on their own incompetence..

Some don’ts I have learned..

1. Keep crappy records and lose green CRRR cards.

2. Call these morons and aggravate yourself and possibly run your mouth and screw something up.

3. Get intimidated or frustrated when you don't get what you want. Remember they are as stupid as you think they are...