if you have had negative items deleted off your credit report?

Question

What did you do to do it?
How many disput letters did it take?

did any tatic help you more than others?

Answer 1

Yes, I have helped many, many people do this. First know that the bureau must verify any debt you dispute. If they can not verify it, it must be deleted. They have 30 days to do this.

With 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.

When you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.

Also mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:

http://www.ftc.gov/

If your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.

If this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:

http://www.ftc.gov/bcp/conline/edcams/credit/index.html

If you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.

Hope this helps!

Answer 2

certain, a creditor can eliminate any information that they said to the credit bureaus. you are able to negotiate a "pay for delete" settlement with the sequence organization. do not take their note for it, despite the indisputable fact that. make constructive you've the pay for delete settlement in writing from someone in the sequence organization who has the authority to make such an settlement earlier you pay them a dime. sturdy success

Answer 3

nothing helps not unless U pay them off credit companys won't allow it cause it will stay there till U pay it off 4 years believe me