credit repair questions?

Question

hey all,
We are trying to repair our credit for many years now. from our experience we have been sent letters back from credit companies telling us that our credit on there is valid and that they will not be changing it. My understanding is that they have to provide proof of this and yet that havnt. What is the best way of action to get these 3 companies to start removing items and what is the best site out there that provides me with all three credit reports all in one for free? Also please provide me with a couple of sites that explain in detail in help regarding steps to do and sample letters that are current that i may use to get my point across.
thank you kindly

please provide actual answers or i will delete the question and then no one gets any points even for just posting. Why is it that i get dumb dumb answers that are evident. The point of questions on Yahoo answers is to get info based on your question not just to post idiotic posts.
thank you

as well annualcredit costs money with alot of there services. And please dont provide the common answers that they can only keep info on there for 7 years we know this everyone knows this. The problem is obvious "removing this stuff" if you dont have experience in this please dont answer as you will not get points anyway. Sorry to all those that do care about answering but you have to understand my frustration with alot of kids answering on here or people that just are answering on common things they have heard.
thanks again

Answer 1

I understand your frustrations on here. And believe it or not, many of the answerers 'do not' know that they can only report credit/loan debt for 7 years. Yet they answer anyway.

If you are wanting a 3in1 report for free - they do not come free, plus the 3in1's are not always accurate themselves.
The best place to get your free reports is from the government FACT-ACT site www.annualcreditreport.com (as some of the others mention)
The government considers any other (so called) free report sites nothing but scam sites.
You can get your reports for free, but you cannot get your scores for free from anywhere.

But, using a free report could work against you, unless you got the free report from being denied credit.

As long as the credit bureaus are reporting inaccurately, you can dispute the inaccuracies. If you use the free reports to dispute from that will give them an extra 15 days to investigate (45 days). Which could mean the difference in an inaccurate tradeline remaining instead of being deleted. If you dispute with a paid report (or a free denial report) from each bureau they have 30 days to investigate.
(even "how" you dispute can be a factor in it remaining or being deleted)

The question you had asked is rather broad.
Alot of how you deal with the baddies on your report depends on a few factors, such as - if you are dealing with the original creditor or a collection agency and if what is reported is accurate or not.
Or if the accounts that are reported are even yours or not.

How you deal with the companies depends on if you are dealing with the original creditor or a collection agency.

When you request debt "validation" from a collection agency, they "must" provide it. If you had requested validation within the first 30 days after they first contacted you, they "must" halt "all" collection on the account until they provide validation.
If the collection agency had place the account on your reports before giving you time to dispute or request validation from them first, within the first 30 days, that is a violation.

If you are dealing with an original creditor, they must provide "verification" of the debt

I have been to quite a few do it yourself credit repair sites on the web and while some are pretty bad, there are a few good sites. Never pay a site for info that you can get for free.

You might check out the site I've listed. Do some reading in the Newbie Forum first and then in the Credit Forum.

It is a totally free site and has a very large database of legal information and letters to draw from. Plus there are many members on there that can help answer or explain any questions you may have. Quite a few of the members have been, or are now in the same boat you are in.
Many of the members who 'have' been in that shape have stayed around to help the newer people. And, there are quite a few members that are constently reading through the FTC, FTC opinion letters, FCRA, FDCPA and state statutes to find anything that may help others.

Answer 2

The major credit report companies are EQUIFAX , TRANSUNION, and EXPERIAN. These are who you call to have it removed. Work with one person. You get a fax number so you can fax anything proving these things were paid. Whoever you talk to make sure you get their name, numer and extension. It is the credit report agencies that fix this, not the companies you fell behind with. Letters will do nothing.

Equifax-1-888-202-4025
Transunion- 877-863-3067

You can get your free online Experian Credit Report right here at CreditReport.com/FreeCreditReport when you sign up for a free trial of Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you online, in seconds. Your Username and Password will enable you to view your credit report for 60 days over the Internet. You will also have access to an array of benefits located in my.CreditReport.com membership center

Answer 3

You are askin alot. Try annualcreditreport.com This site will give you all the credit reporting agencies to get your report for free.

If you have an account over 7 years of the last date of transaction, you should just tell the credit agency that it is older than 7 years and they will remove it. I'm talking mainly about the 3 credit reporting agencise...experian, transunion, and equifax.

Answer 4

The reason they (creditors) won't remove items is because when you were first contacted regarding any given debt, there was a line reading something like "unless you contest this debt or question its' validity IN WRITING within the next 30 days, we will assume that it is valid" .

If you didn't file a police report claiming identity theft or report a lost or stolen credit card, and or you did not write them a letter way back when, You will either have to pay them, or wait about 7 or 8 or ? years for it to be removed

Answer 5

You need to check out this video on how to increase your credit score by using a 100% legal loophole. Here is the video URL: http://www.creditscoresecret.org

I was able to get to 595 from 489 in just one day and from 489 to 748 in just a few week; that's pretty fast in my book. Good luck!

Answer 6

Go to http://www.annualcreditreport.com and order copies of your report from each of the agencies, then try disputing errors with the company directly, when this does not work, dispute directly with the credit reporting agency. Sometimes the report comes with a dispute form but if not, request one. For tips on raising your credit score, see http://finance-girl.blogspot.com/2006/09/raising-your-credit-score-who-doesnt.html

Answer 7

I had the same problem...Try disputing your inaccuracies in November...you know they have 30 days to respond and December is a busy time of the year. It worked for us...If you want to learn more the visit mycreditadvise.com it really helped my wife and me.
Good Luck!