Debt Validation Unable to find account. Dispute to remove from report

Hi Bo.

I am in the process of fixing my credit. I have been using the letters from your site. I have one company that is really working my nerve right now. I sent the original debt validation letter to them. They replied saying that they are unable to locate the account in their system that I am referring to. I then sent another letter informing them that I only have the account number on my credit report. I also provided my date of birth and social on the letter to better assist them. They sent me a letter back today saying that they are still unable to locate the account and they need more information, I am now sending a demand letter for them to remove the information from my credit file and forwarding a copy of all the letters to the credit bureaus. Do you think this will be acceptable to the bureau’s
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you need to dispute the accounts
if the creditor can’t find the acount, then account should just fall right off your credit report with one simple dispute saying not my account please remove
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so just send this to the credit bureaus then?
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Wait for 30 days for a response
which should be in the negative
you already tried to find it yourself with the companies help
they can’t find it then they can’t verify it
if they do then verify
go back and start the vaildation with your new information
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I just checked my credit report and noticed that one company has updated their information which has brought my score down.
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That happens if the date was updated on some occaisions
usually on an acount that was more than 12 months old
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this is an account that i sent a validation request to. realistically how long does it usually take to see my credit improve
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there are so many variables and I have little or no information
most people can fix a credit report in 24 months or less
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I see. I guess I am annoyed with the fact that some information is duplicated 3 and 4 times. I was a victim of identity theft so its work in progress. I am glad that I found your site. It has been very helpful. I am trying to buy my home. The realtor told me I need at least a 580 score. My goal is to be there by the end of May….is that realistic?
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I think so
I Would dispute with the bureaus anything duplicate.
then validate like you may have already done
then negotiate for removal