Has anyone ever disputed errors on thier credit report and were able to get it removed of your report?

Question

I want to know whether being an error or not, if disputing negative items on your report can truly be removed if you are persistant-

If you have done this and had good results please share your expirence because it would be encouraging.

Answer 1

Yes, persistance is the key word.

You must dispute the items once, twice or many more times before you will see a good end result.

This is a pain in the neck to do yourself so if you are considering hiring someone, be careful. Many of them are crooks.


I heard Lexington Law is not bad I hear.


This site has a free kit: http://www.expert-credit-advice.com/

Keep in mind you must also add positive credit as you are deleting the bad credit if you want to have good credit.

Good luck and be persistant......

Answer 2

Yes. I once had two layaway accounts with a furniture store. After six payments my wife and I decided not to take one of the layaways and asked if we could apply the amount paid on the cancelled layaway to the active one. Since we had not received any merchandise, the store manager agreed with no problem. They presumably cancelled one account and apply the funds to the active account, by which with a small balance remaining we paid it off and got our furniture. A couple of months later I got a notice from a collection agency stating I had not paid one of the layaway accounts and that I was in collections. After several unsuccessful at temps to clarify the situation with the collection agency, I worried that my credit was being ruined. I went into one of the three crediting reporting agencies, for a small fee of course, and low and behold the collection was on my record as bad debt. The is an option in there to challenge any debt reported. I challenged it and two weeks later the credit agency reported to my e-mail that they had handled the matter and that the item would be removed from my credit report for the next cycle. They cleared it completely from my record.

Hope this helps, good luck !

P.S. it's really worth the 5 or 10 bucks you pay.

Answer 3

Yes, it can be done! You are entitled to a free credit report from each of the three major credit reporting agencies in the country. Run them and chech what's on your report. If there's anything that's incorrect, you have the right to have it removed.

It's a bit of a pain in the butt and a bit time consuming, however, it's well worth the added points to your credit score in the long run.

I just had mine run thru Experian and found several items that were incorrect, duplicated and not even mine. I took the time to submit a rebuttal to the company. It took them about three weeks to research each item and verify them and get back to me. Fortunately, each item was taken off and I got a reminder to occasionally check my credit for things.

I just got divorced and found that my ex-spouse had been used both of us in certain lines of credit. I had to contact several companies and inform them that I was not privy to the account(s), that I have not resided with my spouse for a number of years, ect.

You may need to provide supporting information, such as phone records with customer service professionals, emails relaying payment history, bank statements relaying any sort of payment history. Persistance and a paper trail is definately the key here, don't give up. It's worth it even if you only get a few things removed.

Answer 4

in some situations, you ought to sue the credit bureau and the creditor who positioned the incorrect information on your credit checklist. you could document tournament in small claims courtroom (or the different courtroom) below the easy credit Reporting Act. this can be the only thank you to get their interest. i could under no circumstances dispute something on line...do it in writing and save a duplicate of each little thing you deliver to them concerning a dispute.

Answer 5

you have to bug the heck out of the reporting bureau--file a dispute and then bug the hack out of the creditor to have them change the info they are reporting. it can take up to 1 1/2 months, bu ti got my hubby's score raised by 30 points in a month and a half by doing this, it works if YOU work and don't give up!!!

Answer 6

yes dearie, just did

for your guidance http://www.ezcreditrepairsolutions.com/article.html