How did you get things taken off of your credit report?

Question

Removing Things From Your Credit Report

Answer 1

Legally you can dispute things that are not yours, or if they are yours, listed with inaccuracies.

Do not use a free FACT-ACT report or the 3in1's to do your disputes from.

The free reports gives the bureaus an extra 15 days to investigate, which could make the difference between a tradeline remaining rather than being deleted.
The 3in1's are usually inaccurate in themselves.

You might want to go to the site I've listed. Do some reading in the Newbie Forum and then in the Credit Forum. Learn what constitutes an inaccuracy and how to dispute them.

It is a free site - all of the information is totally free to read and use.

Answer 2

First, some background.

If the information is accurate, there are only two ways to get it removed from your credit report.

1) The creditor must remove it
2) The creditor fails to respond to an investigation request from the credit bureau.

You can do some thing to get rid of some of the items. Start by reading the link I've supplied below.

But here is what to do in a "nutshell".

Get a copy of all your credit reports at http://annualcreditreports.com

Carefully examine these reports....EVERY SINGLE item in it! You are looking for errors that could force the credit agency to delete the items. Anything from incorrect balance to improper delinquency (reporting) date.

Dispute these items with the credit agency. They will "verify" that the debt is valid with the creditor. If they fail to respond to this request, the item is deleted. But note that no real investigation is done. All the credit agency does is ask if the debt is correct, and if they confirm it the item stays.

Next send the creditor a demand to "validate" the debt. The term "validate" is important. It means they must supply you with PROOF you owe the debt. That means contracts, bills, recepts, and everything used to calculate what they claim you owe. They must send you this information within 30 days.

If you do not receive this information, send another letter the credit agency and demand the item be deleted due to "lack of validation".

If it's still not removed, you have grounds to sue the creditor for violation of the Fair Credit Reporting Act.

Answer 3

I found a solution that worked for me. It might work for you too.

I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.

I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.

I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.

I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.

Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.

The information is on this site: http://clean-credit-secrets.com/

Answer 4

If there is incorrect information on your credit report then you can dispute it, first with the company and then if that doesn't work, with the credit agency directly. Make sure the things you are disputing are really inccorrect, you can try to dispute correct info but the chances of it working are slim and it's dishonest. You will have to wait out anything else that you cannot get removed this way.

For a clear and simple breakdown of how long negative items remain oin you r report see "The Credit Report Timeline" at
http://finance-girl.blogspot.com/2006/09...

Good luck

http://finance-girl.blogspot.com

Answer 5

Below is information from Equifax regarding disputing errors on your credit report. In addition to the "fixing errors" link I'm adding below, the second link is regarding filing "online disputes" with Equifax. So read all information at both links and find out the best way to remedy this problem. You can do this without using a credit correction agency or an attorney if you follow the recommendations they give you.

Don't forget there is more than one credit reporting agency. You should definitely check with all of them to make sure each report is fixed as businesses use different agencies and sometimes pull reports from all agencies. There is Experian (formerly TRW), Equifax, and TransUnion and each can show negative information and can differ on each report.

Equifax - Fixing Errors Information
https://www.econsumer.equifax.com/consum...

Equifax - Online Dispute Information
https://www.econsumer.equifax.com/consum...

Experian - formerly TRW Credit Reporting Agency
http://www.experian.com/

TransUnion Credit Reporting Agency
http://www.transunion.com/

Federal Trade Commission - Help for consumers re: credit
http://www.ftc.gov/bcp/conline/edcams/cr...

I hope this information is of help to you. Best wishes always.

Answer 6

You can fill out dispute forms through most of the Bureau's websites. However do make sure you are only disputing items that should truly be disputed. You can get into trouble for repeatedly disputing items that *are* truly yours.

Answer 7

lexingtonlaw.com tell them 196573 sent you!