A friend of mine got some of his credit deleted. Brought his credit score up to 800
2007-05-20 08:24:50 · 9 answers · asked by Kevin J 1 in Business & Finance ➔ Credit
You can only "delete" items that were truly never yours to begin with. You do this by "disputing" information contained within the 3 major credit repositories. Below is a list of those agencies and their contact information.
Equifax Co.
P.O. Box 740250
Atlanta, GA 30374-0250
888/766-0008 report fraud
800/685-1111 order credit report
www.equifax.com
Experian (formerly TRW)
P.O. Box 1017
Allen, TX 75013
888/397-3742 report fraud & order credit report
www.experian.com
Trans Union
P.O. Box 6790
Fullerton, CA 92634
800/680-7289 report fraud
800/888-4213 order credit report
www.tuc.com
Try using an online service to see your credit report first and what your current scores are. The service will give you suggestions as to what you can do to raise your score and clue you into what is adversly affecting your score as well.
http://www.myfico.com
2007-05-20 08:44:30 · answer #1 · answered by Mortgagemom 3 · 0⤊ 0⤋
I do not kow why the above poster does not beleive your friend has an 800 score. Mine is 820. Best of all last year it was 549. Check out these links and you can fix it fairly quick. Feel free to email me and I can help (free).
Tips.
Authorized user
Never dipute online ! (big NO if you want to be successful)
No form letters for disputes.
I removed a 3 yr old bankruptcy and a repo.
This is not BS read the links email me with questions. You will find one site charges you 10.00 for some info but it is Great and works. There comes responsibility with that info!
I can also help with letters if you need help.
Good luck
2007-05-20 20:22:37 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Gee, 800??? Why don't I believe that? I think maybe your friend is bs'ing you.
You can place a note in your credit file disputing an item, and it will be reported along with the disputed item to a company making inquiries.
2007-05-20 15:52:25 · answer #3 · answered by Judy 7 · 0⤊ 0⤋
The only way to delete is if is was not yours to start with. Go to any of the 3 reporting sites and they will all give you the information to repair your credit.
2007-05-20 15:29:53 · answer #4 · answered by ocnfann 1 · 0⤊ 1⤋
I had 4 things on my credit report that were old and paid off.. I ask for them to be removed and they did and my score when up..
2007-05-21 13:13:45 · answer #5 · answered by shorty21 5 · 0⤊ 0⤋
Try Truecredit.com good site for resorces and access to your score and report. If your friend got things deleted they were either old enough to not be of effect anymore... or they were mistakes things that were reported that shouldn't have been... or problems that were resolved but never updated... or something like identity theft. Truecredit has counselors to help you figure out what you can and should do to improve your score... good luck to ya...
2007-05-20 15:37:09 · answer #6 · answered by Jembee1720 4 · 0⤊ 1⤋
www.helpmycreditnow.com... This company specializes in erasing bad credit... so, yes... I believe your friend because I had my credit deleted!
2007-05-20 23:49:47 · answer #7 · answered by Candy 3 · 0⤊ 0⤋
Maybe you can try below website to get the information you need. It's about credit repair that yau can do it yourself articles for your second opinion.
2007-05-21 02:23:35 · answer #8 · answered by Anonymous · 0⤊ 1⤋
Since you asked,
http://www.thecreditrepairmanual.com
You'll find everything you need to fix/repair your credit there.
Best of luck,
2007-05-20 15:42:20 · answer #9 · answered by Anonymous · 0⤊ 1⤋