I just got back from the post office. i mailed validation letters to all the CAs and letters requesting that all the CRA’s make changes on my credit report. i sent the validation letters CRRR and the correction letters by normal mail. good luck to me

which reminds me. so far, i bought all 3 scores and reports from fico for 32 bucks and i spent 24 bucks to mail all those letters. so far, ive spent a total of 56 bucks. i hope its worth it

Steps to Validation:

http://creditboards.com/forums/index.php?showtopic=14797
1.Send a standard validation request of CA in writing (sent certified rr of course)

2.Give 31 days after receipt of letter

3.If no validation is given from CA�(or if bogus validation is given)

4.At 31 days after CA receipt, dispute with the credit bureaus if a trade line is on the report (the idea being if the CA verifies the trade line to the bureau without validating the debt to the consumer it can be construed as continued collection activity without validation: FDCPA violation. And if they can’t validate the debt, why are they verifying the trade line: FCRA violation compete and accurate info)

5.See if dumb CA verifies the trade line without validating first

6.See if dumb CA continues collection activity without validating (letters, calls etc)

7.Sometime in that process, apply for local credit and get actual damages (in either denied credit or higher cost of credit/ lesser credit line)� why local credit? You want to easily be able to subpoena a bank employee in case you actually go to court. Also your file must be seen by someone other than you to count as a definition of �file� under the FCRA. Look it up if you don�t believe me or read the Cousins appeal.

8.Sometime in that process, read the FDCPA and FCRA many times. Get adventurous. Read a bit of case law. Find an attorney in case you later need one (good luck finding a good one who knows consumer law)

9.Look up your state laws; you may have better state laws (Go Texas!)

10.Send CA and now possibly original creditor and credit bureau a demand letter detailing all FCRA and FDCPA (and State law) violations for actual, statutory, and punitive damages, court costs, mental and emotional anguish (you get the idea). Request a full deletion of all trade lines and inquiries and an affidavit from a company officer that all the sensitive info (ssn etc) will be purged from their system in full (with the idea that, if there�s no validation there�s a reasonable consumer assumption that there�s no debt. no debt equals no PP under FCRA, etc) and why should they then have your info on file for all to see� wait 31 days after receipt of demand letter.

11.File lawsuit if necessary

12.Settle or go to court (keeping in mind most cases are settled but be prepared to fight in case yours is not)