As a young adult, I destroyed my credit and went bankrupt. Afterwards I have 1 credit fraud and cant prove it wrong without hiring another lawyer. I need the bottom line secret to cleaning my credit report. Willing to pay to have it removed for ever...any takers?
2006-06-23 10:51:05 · 12 answers · asked by Anonymous in Business & Finance ➔ Credit
I don't think so unless you want to change
your identity
2006-06-24 01:48:38 · answer #1 · answered by Anonymous · 2⤊ 0⤋
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.
#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.
#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.
#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.
#5.) check out some of the posts on creditnet.com and creditboards.com for assistance.
#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.
#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.
This of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
2006-06-27 14:02:42 · answer #2 · answered by eloriarl 2 · 1⤊ 0⤋
These people are idiots... I've done it several times and have A 1 credit. Instead of hiring an attorney you can send them a certified letter disputing the issue at hand. If they do not respond within 30 days then by law it must be removed from your credit. And if you live in a state like TX you can have up to 5 legal SSN#. If all else fails then get you another SSN and start all over.
2006-06-23 11:12:51 · answer #3 · answered by lovely lady 2 · 0⤊ 0⤋
I know a proven method. Report you SIN card stolen to the police and get the case # they filed it under. Call the place you get a new SIN # and let them know your card was stolen and need a new one, they will ask for the case # from the police. They will try to give you the same number as your old one but you can request a new number because of the risk of identity theft from your "stolen" card. Now when you apply for credit give your new SIN and your credit will come up clean.
2006-06-23 11:03:59 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If it is actually identity theft, file a police report immediately.
Send the copy of the police report and a letter disputing that tradeline to the credit bureaus.
As far as getting a new SSN, as someone suggested, doing that is illegal no matter what state you live in !!!!
2006-06-23 15:14:39 · answer #5 · answered by echo 7 · 1⤊ 0⤋
A lawyer will help you clean it up, but there is no way to ERASE it. Just move on and keep it clean from now on.
2006-06-23 11:02:29 · answer #6 · answered by chriswtj 2 · 0⤊ 0⤋
I'd just stick to improving it for now. Making payments on time, etc. That'll help
2006-06-23 10:54:32 · answer #7 · answered by ~∂Їβ~ 5 · 0⤊ 0⤋
They don't make a BIG enough eraser for that!
2006-06-23 15:23:56 · answer #8 · answered by Anonymous · 0⤊ 0⤋
You can't. It looks like you have reaped what you have sown.
2006-06-23 10:54:58 · answer #9 · answered by johnusmaximus1 6 · 0⤊ 0⤋
Have a look here.
2006-06-23 20:21:04 · answer #10 · answered by Anonymous · 0⤊ 0⤋