I have recently veiwed my credit report. i have 23 negatives on it and only three are mine the others are eather my ex-wifes or i have no idea how the got on their. and all but four or closed accounts how can i remove this closed and wrongfully negative items for my credit report..
2007-12-24 18:43:19 · 4 answers · asked by Seals 3 in Business & Finance ➔ Personal Finance
Dispute all of the negative entrys to the big three credit burues, more info on how to contact the agencies at http://www.empireteam.com/check_credit.php
2007-12-24 18:59:38 · answer #1 · answered by Empire Realty - Upland CA 2 · 0⤊ 0⤋
You have to file a dispute against the credit filings that you feel are not yours. Usually this process takes anywhere between 2 to 3 months. Once you file the dispute, The business owner of the account that supposedly loan you the money has to file the paperwork stating that this account actually belongs to you. If they fail to do so, then they have 15 days to remove the account from your credit report. Some will just remove it as it takes more manpower and time to research all the documents. Instead it only take 1 person and a letter to remove it from your report. Good luck!
2007-12-24 18:49:19 · answer #2 · answered by Flying High 3 · 0⤊ 0⤋
you may try to write a letter to that credit agency explaining
that your past hung some of those up
they will investigate and agree/ or/ deny
the other ones you have now idea - put the think tank on
could it have been an obscure finance company at that
$500 car lot??
otherwise 7 years - time heals all wounds
all the best
Merry Christmas!
2007-12-24 18:47:40 · answer #3 · answered by tom4bucs 7 · 0⤊ 0⤋
challenge each and every one. The burden of proof is on them. They have to prove that you took out the credit not you ex wife. And if you were the one who took it for your wife. Pay it and sue her.
2007-12-24 18:46:56 · answer #4 · answered by qris 5 · 0⤊ 0⤋