and if so how and good websites
2006-12-30 03:01:25 · 6 answers · asked by fongwongdong 1 in Business & Finance ➔ Credit
ABSOLUTELY!!!!
GO TO WWW.TRANSUNION.COM PAY THE $10 BUCKS AND WHEN IT SHOWS A BAD THINK CLICK DISPUTE AND GIVE A REASON (IT PROMPTS YOU)
30 DAYS LATER IF THE CREDITOR DID NOT REPLY (USUALLY DONT) ITS GONE.
THEN DO THE SAME AT WWW.EXPERIAN.COM AND WWW. EQUIFAX.COM
THE ONLY THING YOU CANT GET OFF IS A BANKRUPTCY WITHOUT PROPER LEGIT DOCUMENTATION AND LIKELY YOU CANT GET RID OF A CIVIL JUDGEMENT.
2006-12-30 03:04:36 · answer #1 · answered by Anonymous · 1⤊ 1⤋
Kourtnie's at it again....more incorrect and bad advice. And she's a professional???
Let's start all over. When you dispute a negative item on your credit report, all the credit reporting agencies "CRA's" are required to do is "validate" the debt. That means they contact the creditor and ask if it's a valid debt. If the creditor says it is, then the report stays. No actual investigation is done.
"Validation" is when you contact the creditor and demand to see copies of all contracts, bills, receipts, and anything used to calculate what they claim you owe. This is a totally different thing then "verify" and is the key in getting bad info deleted from your history.
By law, creditors can not post unvalidated information to your credit report. If they fail to supply you with this information, and don't delete the item, you can sue them for $1000 in small claims court.
Therefore, if the creditor can't locate the proof, or simply decides not to waste their time and energy locating the paperwork, then they will not respond back to you. This will allow you to get the items removed.
There are only two ways a negative item can be removed from a credit report.
1) The creditor must delete it
2) The creditor fails to respond to an investigation request from the CRA and/or fails to validate the debt.
Read the links below and follow the instructions. Then hope the creditor is lazy.
Oh, and Kourtnie....according to a report from the FTC, after a recent investigation it was determined that 30% of all credit reports contain inaccurate information. ALWAYS dispute any information on your reports!
2006-12-30 15:28:17 · answer #2 · answered by Anonymous · 0⤊ 2⤋
The deal is that you can dispute anything on your credit report. The dispute is sent to the creditor for them to validate it. If the creditor validates then the disputed item will be on your credit report longer then originally. Truthfully you are not really suppose to dispute something that is legit but people do it all the time. You see the creditor has 30 days to respond if they don't have time or over looked it then well your lucky legit or not they will take it off.
Kourtnie Donihoo
The E.D.A. Group
2006-12-30 12:24:19 · answer #3 · answered by Kourtnie D 4 · 1⤊ 1⤋
Yes, you can do it. The creditor is likely to respond but if they don't the item will be removed after about 30 days.
2006-12-30 11:09:58 · answer #4 · answered by fdm215 7 · 1⤊ 1⤋
www.annualcreditreport.com
dipute all negative info - be sure to do all 3 bureaus
2006-12-30 11:04:16 · answer #5 · answered by Anonymous · 1⤊ 1⤋
That would be dishonest.
2006-12-30 11:03:44 · answer #6 · answered by notyou311 7 · 1⤊ 2⤋