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First question I got is What is downpayment of a house? And what is a Lending Tree mortgage note? Many thanks for any comment. 2nd question I got is.. Hi I'm a newbie. I just signed up yesterday. I have been reading many of the posts here. I am so glad I found this message board. |
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I'm stumped. I'm not so sure what is the right answer. I'll do some research and get back to you if I discover an decent answer. You should email the people at Lending Tree as they probably could give you help..
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1* Are these Pos or Neg. tradelines or some of both?.
2*Are you really talking about SOL or are you talking about past the reporting period?.. |
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Great advice from Jlynn. I would add the cavate to read, read and reread the FAQs and other important post before starting. After that formulate your plan. Here are some fo my favorite posts to go along with the FAQs..
Http://consumers.creditnet.com/strai...=&pagenumber=1. Http://consumers.creditnet.com/strai...035#post125035. Http://consumers.creditnet.com/strai...1&pagenumber=3. Http://consumers.creditnet.com/strai...552#post296552. I hope this helpful!.. |
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Thank you for replying so quickly. I'm glad you said I could probably do more than one at a time. I figure it is going to take enough time as it is..
I have also read the sample letters the you could send. Do you recommend changing the wording? just fill in the appropriate info?.. |
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Its going to depend on which ones you plan on changing! I personally don't change validation, estoppel letters, etc. but for disputes I have always winged it.....
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I'm not sure what "tradelines" are..
They are negatives from Credit agencys 2 (original delinquency dates are 1. 1994 2. 1995 on this old report and a department store 7years this August... |
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1*The accounts or debts listed on your reports..
2*I would dispute all neg accounts that are past 7 years old as obsolete at one time no matter how many there are.. 3*Dispute this one as obsolete some time in may and it may fall off before Aug.. Have you read the 3 Intro threads at the top of each page?.. |
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How old is the report you are looking at now? You could be driving yourself crazy over nothing. They may be gone off the reports you need to order...
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New reports: good place to start..
How did I miss it?. Must have been color blind. lol.. |
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Jlynn.
I have never done anything like this before. I have no idea what the CRA or CA are like. What is the likelyhood them taking negative marks off just because they should. Without being asked? I mean, it would be great if they were gone, but I doubt it... |
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[color=hunter green]You need new reports if the ones you have are very old because you can't correct todays reports with yesterdays reports.[/color].
Also there could be stuff in todays fils that weren't on your old reports... |
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I beg your patience. One more question. What is an estoppel letter? I've read the other letters, but none that were titled estoppel letters..
I am off to order my updated reports.. AnGar.. |
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Don't worry about the estoppel letter just yet. Its in the validation series. You need to take baby steps. Keep reading and reading, it gets less confusing each time you read. It also helped me make better sense of it when I had my reports in front of me, and could SEE what others were writing about..
To answer your question about taking things off that they are supposed to. They probably have removed the ones that are past the 7 yrs. If not, thats a relatively simple dispute that they can't argue with... |
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You are right. It is very confusing. I printed the second and third posts on the top of the list and am reading and reading. Making myself a notebook to go through often..
I hope the ones past 7 years are relatively simple to remove. That might take care of most of my report. Maybe some medical bills.. Thank you all for your help.. AnGar.. |
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Keep reading, whatever stuff isn't gone when you get your new reports, should disappear with simple cra disputes if they are over seven years old..
First things first, understand the difference between a ca and cra!.. |
