Got Bad Credit?? Need It Fixed??

07-30-2006, 07:28 AM

shizz, 30 days after i dispute negatove claims and they dont respond, what should i do to have them removed from my credit report

07-30-2006, 10:32 AM

Originally Posted by hmarcelus

shizz, 30 days after i dispute negatove claims and they dont respond, what should i do to have them removed from my credit report

its automatic. you dont have to do nothing but wait on the credit reporting agency. if they still screw it up, dispute it again.

07-30-2006, 10:41 AM

Originally Posted by kat717

Yeah, my friend works for the Bank of America and she said you should never settle on one payment just pay off the entire thing. Because if you settle for less of the payment they will count it as not finished out.

not true. it will say on your credit report, "account settled for less than balance." This is acutally negative on your credit report but you can easily dispute that to read "account paid in full." Most companies will not waste time sending in info to dispute some wording. i have gotten that one disputed many times and it came back right.

07-30-2006, 12:58 PM

Originally Posted by ladyofrage

its automatic. you dont have to do nothing but wait on the credit reporting agency. if they still screw it up, dispute it again.

it seems kind of shady that 7 of my negative's on my account will disappear in 3 days (the end of 30 days) has this ever happened to anybody

07-30-2006, 05:13 PM

yeah. I have account that show paid that i know i didnt pay. i feel kinda bad cleaning up my teenage self's mess. if i knew then what i know now.

07-30-2006, 07:34 PM

ladyofrage, are you sure that's not true because she wasn't the only person saying. Or is that true, but you just have to dispute???

07-30-2006, 07:40 PM

positive. trust me. i am almost in a law suit with Equifax over my report and I have studied the FCRA to the tee. It will still read a zero balance even if you did a settlement.

07-30-2006, 09:18 PM

Okay cool, thanks!!!

07-30-2006, 09:55 PM

Originally Posted by hmarcelus

it seems kind of shady that 7 of my negative's on my account will disappear in 3 days (the end of 30 days) has this ever happened to anybody

It's true/./ I just had four things fall off (not on the same day) with in a month because of wrong infomation...

07-30-2006, 09:56 PM

Originally Posted by ladyofrage

positive. trust me. i am almost in a law suit with Equifax over my report and I have studied the FCRA to the tee. It will still read a zero balance even if you did a settlement.

^^ True .. Ihave settle about two accounts for less than half and they marked it as settle for less then. so i had them fix it paid in full.

07-30-2006, 10:22 PM

Originally Posted by ladyofrage

yeah. i feel kinda bad cleaning up my teenage self's mess. if i knew then what i know now.

^^ Couldnt have said it better my self

07-31-2006, 01:36 AM

That's cool I have a credit card that was 1,400, but I told then I'd pay 850. And if they don't take it then o well. And I guess I'll have to write a letter or something when they write settle for less???

08-01-2006, 04:44 PM

Yo most of my debt was deleted from one of credit reports. Does anyone know how to dispute reports from equifax and transunion

08-01-2006, 05:53 PM

I have successfully removed 6 different things off my report. so now my score seems to be leveled off. i still have about 4 more to go. but i have to find a better way of moving up with a low score. i will let you knwo what find out.

( It only took me two months to remove 6 things) Work with me and i can get you credit repaired.. Screw those people that charge 150 a month...

08-01-2006, 06:10 PM

shizz the reports that were dropped were from experian, i cant find the account #'s needed to dispute reports on equifax and transunion

08-02-2006, 02:26 AM

with transunion, you dont need account numbers that much unless you have multiple accounts with the same person. if you don't have account number on equifax, you need to call. they can do it over the phone. do you have the direct line to call in?

08-02-2006, 07:34 AM

Originally Posted by Shizz

I have successfully removed 6 different things off my report. so now my score seems to be leveled off. i still have about 4 more to go. but i have to find a better way of moving up with a low score. i will let you knwo what find out.

Yeah shizz, u my dude... for real. I disputed 2 things on mine and got them deleted. i failed with this one account I was looking to really have removed, but it aint budgin...lol I guess I gotta just wait a year or so? and try it again? What you think I should do?

Oh and I heard that if you dispute your items around christmas time, like at the end of the year, its a better chance of you getting unwanted items deleted because companies are busy around this time. is this tru?

08-02-2006, 10:37 AM

Originally Posted by markus

Yeah shizz, u my dude... for real. I disputed 2 things on mine and got them deleted. i failed with this one account I was looking to really have removed, but it aint budgin...lol I guess I gotta just wait a year or so? and try it again? What you think I should do?

Thats good to hear some people are follow the process.. well the one that you have that is still on your report... I got a method of getting that off.. one of my friends has acutally done this so im going to try it too...

the method is pretty much slamming the company. ( the same way they do to get up to sign up). Make up about 4-5 letters disputing the account but you have to change something on it to be different. then mail them off to the CRA offset by a day or two.. the thing about this is that most company when they get a letter in and then they get a repeat letter. that "LOOKS" the same they will mark it as a duplicate and junk the letter.. "Which you want them to do." the law states that they HAVE to respond to each letter. if they dont with-in thrirty days just mail that letter to the CRA telling them that you didnt hear anything back. NOw they can repond to 4 of the 5 letter but you just need them to not repsond to one.

Originally Posted by markus

Oh and I heard that if you dispute your items around christmas time, like at the end of the year, its a better chance of you getting unwanted items deleted because companies are busy around this time. is this tru?

Na i havent heard of that one but it possible... I think it would be good to do it around thanksgiving they are really swamped around then

08-02-2006, 01:20 PM

I have heard about the christmas time one but you can only do that with creditors and not collections. collections make more money around then because companies are closing out their fiscal years and calculating write offs. You better believe a collection agency is going to be on their ish but a credit card company may not.

08-11-2006, 10:51 PM

I am a college student and for some reason when i apply for a credit card, I never ever get accepted, they said i owe something according to my credit report, but i never ever owned a credit card in my life. WHere can i check my credit report? and how can i get it resolved? thank you

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