Credit Repair - Self Help

It has been awhile since an update has taken place and that is because there has been a lot of waiting on disputes, and responses. Finally I have some news. I have another deletion from my TU credit report, it is an account from DSRM (Valero), it was a negative listing showing as a collection. I was only listed as an authorized user on this account, I disputed it with TU and EQ which were the only two it showed up on. It has been removed from TU still waiting for EQ to give their results of my last 2 disputes. Also TU finally deleted the West Asset Collection account that I disputed. Also I received positive results from my validation e-mail to LVNV, they deleted the tradeline off of the credit reports as well. I am making slow but steady progress. Some of these others are going to be real boogers, and am pretty much having to wait for the statue of limitations to be up before attempting to remove or settle to prevent being sued.

On a not so positive note, Paragon Way has decided to ignore me it seems. So yesterday I filed a complaint with the BBB against them for violating several State and Federal regulations. I will wait a couple of weeks and see what the outcome of this is. I intend to really pressure them by filing with the Attorney General of Texas as well for their blatant violations. Here is a copy of my complaint to the BBB:

Complaint Description:
“On 6/14/07 I contacted Paragon Way via their website concerning 2 accounts that are showing up on my credit reports, at the same time I disputed with the 3 credit reporting agencies. They verified the accounts as accurate to the credit agencies. I never received anything in writing from them until 7/11/07 which was nothing more than another request for payment on ONE of the accounts. On 7/16/07 I sent a letter to them concerning the two accounts, again asking for validation of these debts. This was sent certified mail. I have received no response from them concerning either of these debts. They are continuing to update their information with the credit reporting agencies, without providing proper validation to me. They are in violation of several State and Federal Laws. They have failed to notify me after reporting the negative tradeline on the the credit reports within 5 days. They have continued to attempt collection of a debt even while in dispute. They have failed to respond to the validation request within 30 days or delete the tradeline. They are attempting to collect interest without an agreement. They are attempting to collect a debt under 2 separate names (TX Collect) as it appears on one of my credit reports. Account #’s under dispute are xxxxx, and xxxxx.

Your Desired Resolution:
Deletion of tradelines on all credit reporting agency reports, agree to close out all accounts and not attempt recollection of noted accounts, and to agree not to sell said debt to another collection agency or debt buyer.”

I have heard from reading several boards that these people will go away with a BBB complaint after trying to get them to validate the debt and they fail.

Fako Scores:
TU 603 EX 571 EQ 549

FICO Scores:
TU 572 EX 618 EQ 559 (The only one that has been updated since July is EQ, will be checking them all in a few days)