2007-03-01 01:53:11 · 6 answers · asked by hudsonreuter2006 2 in Business & Finance ➔ Credit
Blanket statements like this are very hard to say 100% of the time. It may not be worth the company's time to spend a lot of hours on investigating, but they didn't get where they are by being stupid. If you are trying to scam the company it is going to become obvious.
Not saying that is the case, but I do know from a career in law enforcement that so much of what the "jail house lawyers" tell other people is not true. For instance, the cops didn't read miranda to me, I can get out of it in court. Miranda only applies if you are in custody and being interrogated. People who are arrested for drive while suspended don't normally get interviewed, because the proof is they were driving.
So my point is, be careful what you hear isn't always accurate.
2007-03-01 02:02:27 · answer #1 · answered by Anonymous · 0⤊ 0⤋
No, not true. My mother who never needed credit ran her reports for the first time in 5 years. There were about 5 old doctor bills from $44 to $101 on her credit which she knew had been paid, but they are from 2001 - 2002 and does not have her records. She disputed them and every one was reavowed without any explanation from the credit bureau's.
She has sent letters to the doctors, the collection agencies, and the credit bureau and as of this morning, they were still on her report. She has been fighting this since December.
So, to answer again, the question is NO. But you may be able to work out some kind of deal to pay them off, completely or partially and have them removed from your report. There is lots of information online, that if you send a letter, properly written, and they accept your payment, they must remove it.
2007-03-01 02:22:07 · answer #2 · answered by Eric H 1 · 0⤊ 0⤋
no. you need to contact whoever billing you. then you will end up filling out form stating you have contacted them and providing details, including proof, that the merchant is wrong. Credit card company will go back to merchant in some manner with this info. Merchant is not going to fight over $10 item most likely, but if yo do something bogus and challenge a legit $500 charge, they won't just roll over, and you could get yourself a felony arrest if you filed fraudulent claim, particularly if you made up documentation
2007-03-01 02:26:32 · answer #3 · answered by jim06744 5 · 0⤊ 0⤋
I haven't heard that one, I do know that if you dispute an account and they do not respond within 30days they must remove the information. You can learn more about credit repair at:
http://www.thecreditrepairmanual.com
2007-03-01 02:55:37 · answer #4 · answered by Anonymous · 0⤊ 0⤋
No, they always investigate. Depending upon how the purchase was made (phone, web, in-person, etc) they can work with the merchant to verify.
2007-03-01 02:20:24 · answer #5 · answered by Harbinger 6 · 0⤊ 0⤋
No.
2007-03-01 02:49:41 · answer #6 · answered by ? 7 · 0⤊ 0⤋