Credit Repair
Credit Repair Letters Knowledge Base
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Is there a way to repair your credit by sending registered letters denying the debts to the credit report cos. I have heard this often. That you can send registered letters denying the debts one by one to the three credit reporting bureaus and if they didn't provide proof of the debts within 30 days or something that they had to remove the debts. Everything except judgements. Is this true? If so, how is it done exactly?
credit repair.? am i correct?? i just went to this credit repair place and JUST got some information on how they work....then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted....isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is--is what these people are charging all this money for (credit repair) if u do some research u can do it free urself?? that wasnt my question A mercer! i was asking the same thing credit repair services do u can do urself for free correct?
Where can I find a trustworthy credit repair expert? I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don't trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?
What happens if I mail a letter to repair credit from a different state I live in? Would a item I want investigated have any problems if I mail a letter from a state different from where I live. Basically, I live in Virginia, the letter is post marked from Maryland, but the return address does say Virginia.
Credit repair letter? I would like a template for the letter to send to the credit bureau to ask to remove a negative account which is over 7 years old?
what can a credit repair service do that i cant do myself? What is it that credit repair agecies do to get things removed that i cant do myself. I have appt. with a repair agent but am on the ropes on wether i want to use the service or not. I mean he says it will take 45days to get things removed which sounds like he is just writing dispute letters.
Is there a website I can go to find ALL the dispute sample letters for repairing my credit report? I am scrambling from site to site.
I need a sample letter for credit repair.? I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account. 1. does anyone have a sample letter that will help me with this? 2. Who do I send this letter to?( The creditor or the credit reporting agency)? 3. Will these accounts come off my account automatically or will I HAVE to write these letters? Can someone help me with the steps or share their own personal experience with this matter.Thanks
Has anyone used the free credit repair kit on this website? http://www.expert-credit-advice.com/free_credit_repair.htm I have a question about letter # 3 "Request to delete inaccurate information. If an item is inaccurate, do you have to give a reason why? Or can you just say it's inaccurate? The credit bureaus have to tell you why it is accurate right? Thanks for the heads up but I think your wrong on this one. There is no place to pay, the letters and e-book download without a credit card and dont ask me to signup or submit an email. I am not looking for a loan and my mortgage banker is not friendly.
Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?
I just got licensed to operate my own credit repair business. Does anyone have suggestions on how to start? I don't want to be one of those companies that take the money and disappear. I truly want to help people learn the things it took me a long time to learn and then give them the choice of whether they want to do it themselves or hire me to write all the letters and make all the phone calls. DON'T BELIEVE ANYONE WHO TELLS YOU THEY CAN GET ALL NEGATIVE ENTRIES REMOVED IMMEDIATELY, WITH NO MONEY FROM YOUR POCKETS!!! It's just impossible! It took you years to get your credit in the state it's in so it will take some time and money to get the items deleted. I've got the qualifications - A Masters Degree in Economics and Finance, A Bachelor's Degree in Economics, a Certificate in Credit Reporting, and a license from the State of Maine for Credit Repair. Please help me learn how to use these tools. I work from home because I broke my neck in a car accident and can't handle a 9-5 job. My brain still in good works so help me get started. If you have questions just e-mail me. Thanks
Looking for a legit credit repair company? I'm looking for a legit credit repair company that you pay a minimal fee to use and they contact the companies for you. My credit report does not just have credit cards on there, they also have bills, delinquent bills misc, so it's not just a credit card company I can write a letter too. Is there anyone who has actually used a company and has experience with this? I know this will take time, I'm not looking for a 6 month miracle.
Credit Repair Business Solution? I am looking to start a credit repair business here in Texas. I am looking for a nice software to keep track of my clients, generate letters, reminders, pull credit reports and also keeps track of all the disputes. I have done extensive search online, i like creditmoneymachine, but the guy is charging too much for it. Any suggestions will be highly appreciated.
How do the credit repair companies fix your credit? Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family? only serious answers.
Anyone purchase and USE Credit Repair Magic Software? I am thinking of buying this product. (CreditRepairMagic.com) Anyone use this product to help repair your own credit? If so, how does it work? What is the process? Does it do more than generate dispute letters? Any success? Thanks. Please don't just call it a scam without knowledge. Anyone who actually used this? If so, please respond. Thank you.
credit repair questions? hey all, We are trying to repair our credit for many years now. from our experience we have been sent letters back from credit companies telling us that our credit on there is valid and that they will not be changing it. My understanding is that they have to provide proof of this and yet that havnt. What is the best way of action to get these 3 companies to start removing items and what is the best site out there that provides me with all three credit reports all in one for free? Also please provide me with a couple of sites that explain in detail in help regarding steps to do and sample letters that are current that i may use to get my point across. thank you kindly please provide actual answers or i will delete the question and then no one gets any points even for just posting. Why is it that i get dumb dumb answers that are evident. The point of questions on Yahoo answers is to get info based on your question not just to post idiotic posts. thank you as well annualcredit costs money with alot of there services. And please dont provide the common answers that they can only keep info on there for 7 years we know this everyone knows this. The problem is obvious "removing this stuff" if you dont have experience in this please dont answer as you will not get points anyway. Sorry to all those that do care about answering but you have to understand my frustration with alot of kids answering on here or people that just are answering on common things they have heard. thanks again
How long does it take to repair your credit? I have begun repairing my credit. I've contacted collection agencies to make settlement agreements and everything but I haven't heard from them and it has been 2 or 3 weeks since i sent out the first letter. I need to raise my score that depleted during my divorce. Is there anything I can do to speed up the process?
How should I pay off over $25,000 in medical collections and repair my horribly damaged credit? I had surgery back in 2005. I didn't have insurance, so I applied for COBRA. When I asked when the policy would be active, the person taking my information told me she would backdate it to the beginning of THAT day. So, I went to my dr that day and he told me that I needed an ultrasound. The next day, after the ultrasound, I was told I needed to have surgery. A week later, I had the surgery. A month after the surgery, the insurance I got through COBRA sent me a letter telling me that my actual start date on the policy was the day AFTER I called, so they considered my problem to be a pre-existing condition and wouldn't cover the surgery. All the dr's bills went to collections where they have been sitting and ruining my credit. Is there anything I can do 2 yrs after the fact? Is there a way to fight the ins company? What's the best way to pay them off? I need to repair my credit as I am now looking for a house. I just want to get out of this mess I have put myself in.
My credit report is outdated reflecting a negative score. Are there any companies to hire to help correct? I have a (really) bad credit score. I earned it in the late 90s (right after graduating college '97 - '99). Seven years have gone by but nothing has dropped off. I realize I need to start writing all the letters to the credit reporting agencies and get it updated and accurate. But I wanted to see if there were any companies out there that would write the letters and "fight the battle" to get my credit report updated and corrected. The normal credit repair companies are not really helpful as I am looking to have outdated items removed versus consolidation or payoffs. Any advice? Thank you!!
What is the Best, Fastest, Cheapest way to Fix my credit? There is a credit repair service upstairs and they write letters to the bureau but its like 1500 bucks for me and my husband?!! I need something cheaper!! I pay my bills now on time and I had paid my bills on time. My husband lost his job and my job couldnt carry us, so there is a slump in our credit, we had 4 credit cards, 3 vehicles, 1400 rent, and when he got hurt his work comp took so long to get started we had to only keep 1 car, move before our lease was up.
Credit Repair........Can you get paid adverse accounts removed early? I know that you can write a dispute letter to the credit bureaus if they are reporting inaccurate information, but what if the information is correct but the account has already been paid? Is there any way you can get it removed before the date set for removal? Also my medical bills are in clear view to everyone. I thought that they were supposed to be marked "Med1" and only could be viewed by myself? Any suggestions on how to clear up my credit and have these items removed early and get my medical bills to be marked appropriately?
Where can I find what my debtor rights are for bad credit thats not mine? I have bad debt that is wrongfully on my credit. I have fought it with letters but all I recieved back was something stating the debt is mine, with no proof of why they say that. Want can I do to fight this? I've already paid $900 to a credit repair person. That didn't work. Now what?
what is the name of the best written book on how to repair your credit? I would like the book to have sample letters if at all possible, thanks I have repaired my credit in the past and i had a really good book then i loan it out and now on the search for new ideas. please helpppppppp
Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies? I am attemping to do this but if anyone knows where to find a good template for the letter, or a sample format and content, then please share this info with me. Does this process work on open/active accounts, such as, student loans or auto loans? If not, then should I exclude those accounts from my letter?
How can I get rid of negative entries on my credit report? I read up on it a little, and sent in a few dispute letters, but it came back as verified and only made it worse >_<. Alot of the derogatory items are outdated, and there's a few things that aren't even mine! How is this coming back as verified? If anyone can shed some light, or knows of a reputable credit repair company, it would be greatly appreciated.
I need a sample letter for credit repair.? I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account.
How can you "repair bad credit"? or dispute items on your report?? If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work?
Free Credit Repair Websites? I am in the process of repairing my credit on my own and I am finding very few free online resources with information and form letters to assist me. I know that there isn't anything that a service can do that I cannot do on my own and I can't believe that there isn't a comprehensive informational website out there that I don't have to pay to use. The person with the best links to the most complete websites get the best answer. Thank you in advance for your help.
Do anyone know of a reputable Credit Repair Agency? I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to purchase a home increase my score. I paid all my collection accounts and charge offs everything have zero balances three years ago. I only fell behind because I was taking care of a sick parent. My mistake was I never received or asked for a written letter from the creditor to remove it off my credit report after I paid it. At the time all I was thinking about 3 years ago was paying off my debt. Do credit repair work and is there any repair agency that is highly experienced with Experian. I tried the creditor but they will not work with me. I tried disputing all come back verified. I believe I need a experienced person to help with this. I'm in Southern California
Credit Repair?Unsure what to do? I am in the process of trying to repair my credit. I have been informed that a person is able to write a settlement letter. How would someone write such a letter?
Debt Control and Credit Repair? My husband abandonded me almost two years ago. I sent the finance company a letter requesting to be removed as co-signer on his car note and also sent a copy of our post-nump. They refused to do so and still put his repo on my credit report. Aren't they supposed to honor a legal document?
Has anyone tried to Repair their Credit by Disputing accounts on the 3 major credit agencies? I am attemping to do this but if anyone knows where to find a good template for the letter, or a sample format and content, then please share this info with me. Does this process work on open/active accounts, such as, student loans or auto loans? If not, then should I exclude those accounts from my letter?
Disputing negative items on credit report? I have been reading up on repairing my credit b/c I was going to use a credit repair agency to do this. Everything I have read says that you can get items removed true or not sometimes by sending dispute letters. Does this really work? Do I need to send a letter to all 3 bureaus for the same item? How many should you do at once? I know they would never believe me if I disputed every single thing on my credit report.. How long does this take? Has anyone ever gotten anything removed by doing this?
Credit Repair?? I have satisfied most of the items on my credit report.? My # is 630 and i have old satisfied and paid accounts on my report and would like to get them removed. I would like to know if there is a standard letter i can send to all of the agencies that have a rating on me to have them removed. Do i need to send copies of documents or is it ehough that they themselves list the debt as satisfied? Thank you in advance for sll responses.
settle debt in cali..2300 with midland credit should i settle with original creditors? need to repair credit? trying to buy a home need to repair credit I owe about 4000 in collections what program or letter and how much% should i pay to collection agency or should i contact "original"creditors and pay them?.and will the collection agency stop reporting?..help need it fix in 30 to 60 days
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Credit Repair? Removing a bad record as a authorized user..? My friend was an authorized user (not joint) on his brothers credit card account. His brother ended up making late payments and then doing a settlement on this account. Unfortunately, the credit for my friend, the authorized user, was also affected. The settlement appears on 1 out of the 3 agencies...therefore, I wanted to know what is the best advice, or best letter to send to a credit reporting agency to get this issue resolved..... I am not looking to give the issue to any CREDIT REPAIR company or any other services. I am looking for a Do-It Yourself approach. Thanks.
Contact information for collection agencies is invalid on my credit report. How do I resolve the disputes? I got a copy of my credit report and sent letters to the various collection agencies asking for them to verify my debt. Three of the letters came back as undeliverable. I would like to start repairing my credit but since the addresses are no longer valid, what should I do next? I don't want to send money to agencies that no longer exist/own my debt.
I would like your opinion on credit repair I hear alot of diffrent stories? I have heard I can write some letters to the companies and credit companies but a friend of mine told me to only start with 2 at a time because I didnt want to stir up a hornets nest. What do I do if the first 2 companies I contact do not respond or contact me back with my offer my payment for a delet of payment agreement? How much time should I give them before I move on to then next one without stiring up a hornets nest? For example I contacted a collections company for an apartment I had in 04 and they said they would do a pay for delete agreement so I can have this debt removed from my credit but I have yet to get a letter in the mail or through fax they asked me for my fax number and said I had till 02/15/07 and the lady never emailed me back again. Should I wait for the letter even though they gave me till the 15th because I heard I should not pay unless I get that document first to get it removed from my credit report please help! Advise only I dont need smart remarks.
What is the best way to go about eliminating bad credit? Using a credit repair agency or doing it yourself? I know that credit repair agency's send out letters that let the credit agency's know that there is negative items on your report that is wrong in one way or another, but I am wondering if it is better to do it myself or not. Thanks.
I need to repair my credit? My credit is really bad!!! I want to get it back together but i dont know where to start. I have noticed that there are some things that are on my report that should not be (ie medical bills,a phone bill i know nothing about, and wrong addresses and employment information) I dont want to be scammed!!! I also dont want to pay anything for this as i was told there are sites that help you. Also is there a site that i can go to that has letters i can use to contact theses agencys?
Help with Credit Repair? While working on clearing my credit, there has been a few fraudual enteries, and I'm certain it is my sister that has done this to me. My sister even had an apartment in my name in FL and now owes 3k, because of not paying the rent. I started writing letters on my own to the credit bureaus, requesting that they run an investigation and once it was completed; the agencies noted on a few of the fraudual enteries as "New Information Updated." I decided to write directly to the collections agencies requesting that they send to me what was used to open the fraudual accounts, and they in turn wrote me a letter stating that I have to give them a copy of my ID's first. Why! I think this is a way for the collection agencies to stick the account on me. After they receive the ID's then they have the information that is needed to stick the fraudual debt on you. What should be my next move to the collection agencies; do you know the type of letter I should write to them.
has anyone ever received a preapproval from union workers credit services? i have never heard of them but they have sent me letters saying im preapproved but i skeptical? i recently done some credit repair and now am finding that im receiving alot of offers. does anyone know if this is a legit company?
I have a question about credit repair? My credit score was low, very low because of some past mistakes in life. I have since corrected those mistakes and am in the process of trying to raise my credit score. I opened four, low limit, credit card accounts which I keep a near zero balance on and have always paid on time,(for 2 years). I have written "dispute letters" and had multiple items removed from my credit report. Yet my score has barely moved. Going up one month a couple of points and down the next. What am I doing wrong?
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
What happens if I mail a letter to repair credit from a different state I live in? Would a item I want investigated have any problems if I mail a letter from a state different from where I live. Basically, I live in Virginia, the letter is post marked from Maryland, but the return address does say Virginia.
Do it yourself credit repair...? I stumbled upon http://www.disputesoftware.com its a "Do It Yourself" Credit Repair software, it seems really cool, and much cheaper and safer than some of the companies I have called recently, who just keep telling me we can just delete everything! My question is has anyone tried them? From the little bit of reading I have dont on the website, it looks like they really are not a credit repair company, but more a software that will help you keep track of things and create dispute letters like the other companys out there do. Either case Im just wondering if anyone had luck with them, and if not maybe any other info that can be of assistance in repairing ones credit. I HAVE NO interest in using an Credit Repair Company. Thanks
How do the credit repair companies fix your credit? Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family?
How can you "repair bad credit"? or dispute items on your report?? If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a site that says they send dispute letters...How can you dispute an account you owe?? How does this work?
I just got licensed to operate my own credit repair business. Does anyone have suggestions on how to start? I don't want to be one of those companies that take the money and disappear. I truly want to help people learn the things it took me a long time to learn and then give them the choice of whether they want to do it themselves or hire me to write all the letters and make all the phone calls.
Credit repair question? I sent a letter to a collection agent and they have sent me a accept letter and i was just needing to know if it would work to dispute with credit agencies if the try to back out i will write below what it says. We recently received your proposed offer to pay the above referenced account. after a thorough review of your account, ___ has made the decision to accept your payment in the amount of $x to clear your derogatory information. upon receipt and posting of the $x to your account the delinquent information will be remove from the credit bureau. Does this sound good my agreement was to delete the account from the credit bureau for payment, i have never done this before and was wanting some opinions and advice also the did not sign there letter but it has the company name on it should i request a signed one are will this work?
Has anyone used Credit-Aid (credit repair software)? I was wondering if $39.99 is worth it for Credit-Aid. The website is at http://www.creditdoctorsoftware.com/stor... and I saw a two part video on you tube when I typed in "fix your credit". My credit is good, but I would love to improve it. Any previous users of this software (or if you know a friend) who have had any good or bad experiences, please let me know. If you have any other suggestions for software (I need to know what I can do, but I would like the software to generate the letters for me) would be appreciated.
Student loan rehab & credit repair anyone? I entered the student loan rehabilitation program last year & made my 9th, & final, payment last month. Just as I was told to would, I received a letter from The Dept. of Education about my default status. It said that the creditors were notified that I was no longer in default. I was also told by the creditor I was making payments to, that loan rehab would help my credit a good bit. Have any of you completed a student loan rehabilitation program? What happened after the fact? Was it good or bad? Did your score increase & how long did that take? Have a great day!
Credit Repair... Debt Validation and Disputing question.? If I want want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I dont know so and so collection agency" and have the the agency remove it?
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Pay The Collectors Or Letters of Dispute? After much reading, I am looking for the best approach. I have 3 open accounts listed with the 3 agencies. The total amounts are small ($425, $763, $178). Is it best to first send out a registered letter of dispute to each collection agency and see if they respond within 30 days? If not then report it to the credit agencies? Or do I just pay the collection fee's and move on? After trying to pay the full amount owed ($763) and getting $200 in interest thrown in my face, I am hesitant to try and settle with the others. Questions: a.) How to best handle the existing negative tradelines? b.) What steps do you advise to start the credit repair process? c.) Is it possible to remove payroll deducted child support from the credit report itself? I’m not sure if this is standard but child support shows up as credit? d.) Any way to dispute the late charges from the mortgage and 2nd mortgage? Can I request that they prove that I was late and since it was 3+ years ago they may have trouble? The mortgage is 3 years old
Credit Repair? I am in the process of trying to repair my credit. I have been informed that a person is able to write a settlement letter. How would someone write such a letter?
Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?
Credit Repair........Can you get paid adverse accounts removed early? I know that you can write a dispute letter to the credit bureaus if they're reporting inaccurate information, but what if the information is correct but the account has already been paid? Is there any way you can get it removed before the date set for removal? Also my medical bills are in clear view to everyone. I thought that they were supposed to be marked "Med1" and only could be viewed by myself? Any suggestions on how to clear up my credit and have these items removed early and get my medical bills to be marked appropriately?
Has anyone used Credit-Aid (credit repair software)? I was wondering if $39.99 is worth it for Credit-Aid. The website is at http://www.creditdoctorsoftware.com/store.htm and I saw a two part video on you tube when I typed in "fix your credit". My credit is good, but I would love to improve it. Any previous users of this software (or if you know a friend) who have had any good or bad experiences, please let me know. If you have any other suggestions for software (I need to know what I can do, but I would like the software to generate the letters for me) would be appreciated. I have already seen the ripoff report link that you sent and it has nothing to do with the company in my question.
Credit Repair Questions??? I am in the process of cleaning up my credit myself and I am getting some conflicting information and need some questions answered. 1) I have a credit card that I reached a settlement amount on years ago. I was told that there is a "zero balance" form letter that I can use to change the status on my report from "settlement" to "satisfactorily paid". Does anyone know where one is and how that works? 2) I have several small collections ($100-$300) on my credit that I am going to pay off. Is it better to have those show as paid or get those items removed entirely? If removed entirely, how do I do that? 3) The only line of credit I have is my car note. It currently shows some late payments. Any advice on getting those changed to a current status? I'm hoping to be in a position to purchase a home in the next 12 months and my credit is bad. I do have money to pay off my debts and I want to make sure that everything looks good when finished. Any other advice is appreciated.
How should I pay off over $25,000 in medical collections and repair my horribly damaged credit? I had surgery back in 2005. I didn't have insurance, so I applied for COBRA. When I asked when the policy would be active, the person taking my information told me she would backdate it to the beginning of THAT day. So, I went to my dr that day and he told me that I needed an ultrasound. The next day, after the ultrasound, I was told I needed to have surgery. A week later, I had the surgery. A month after the surgery, the insurance I got through COBRA sent me a letter telling me that my actual start date on the policy was the day AFTER I called, so they considered my problem to be a pre-existing condition and wouldn't cover the surgery. All the dr's bills went to collections where they have been sitting and ruining my credit. Is there anything I can do 2 yrs after the fact? Is there a way to fight the ins company? What's the best way to pay them off? I need to repair my credit as I am now looking for a house. I just want to get out of this mess I have put myself in.
Credit Repair... Debt Validation and Disputing question.? If I want want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I dont know so and so collection agency" and have the the agency remove it? If I ask the agency, do they request the debt validation of the collection agency, or do I have to do it? THANKS.
Secured Credit Card company lied? What can I do? So in an attempt to repair my credit after bankruptcy I signed up for a secured credit card. I held the account in excellent standing for about a year and a half and then I was hospitalized due to cancer and unable to keep up with the payments. In January of 2007 I got a letter from the credit card company offering me the opportunity to clear the credit history and bring the account in good standings for a minimum amount. By the time I called (probably 2 weeks after I got the letter) the offer was no longer valid and they advised that my account was about to be charged off. I did not want to go through this credit nightmare again, so I asked what I needed to do to settle the account. I was told that I would need to send in a payment which was $400 less than the total amount due on the account and that would settle the account and prevent it from being charged off. So I sent the payment in. Needless to say - they LIED. Does anyone know what I can do to fight this BS?
I sent a credit validation letter to a credit agency to validate a debt for $4,367 from some apartments......? This amount is outrageous to me. The responded with a letter that they had received my request..that my dispute has been investigated but they have yet to find sufficient evidence to validate my claim. Now they want me to provide them with documentation supporting my position or pay. All they provided me with was a summary they made of the debt they claim I owe. I am trying to repair my credit. Any advice on my next step???My understanding is that they have to validate this debt or delete....Any advice would be greatly appreciated.
Someone told me you can get stuff removed off your credit report...? Does anyone know the steps to repairing credit? Someone told me there were ways of just sending letters to get stuff removed form your credit, is that true? place i can go to get these letters for free?
Preparing (and repairing) credit with a foreclosure? Due to circumstances beyond my control, I will be defaulting on primary and secondary mortgage this month, and my home will be foreclosed soon. Out of curiousity, is there any preventetive measures I can take to minimize the impact of this on my credit? I know it's going to essentially ruin it, but I'm wondering if there are any letters I can write to credit agencies either now or after the fact to soften the impact, and make it easier for me in the years to come. Thanks, Ryan
credit score boost? what's the best way to remove items from a credit report besides the conventional methods of using credit repair companies? there's a bunch of crap on my report that's keeping me down. i'm open for anything, but it has to work. i've tried writing letters, but that doesn't work. has anyone used anything out there to help your credit score when it really sucked? thanks
Repairing Credit Scores? how do you improve a bad credit rating, i was a student and a little reckless with credit, literally ignoring creditors demands, throwing letters away without opening them, and not paying anything at all, now, i am trying hard to clear the debt which i racked up, admittedly a large proportion of this is interest and charges which i wouldnt have had if i paid it in the first place. Now my credit is unbeleivably bad, and i need it improving, as im scared it will affect my chances of getting a mortgage.... ever! i wont lie, it is so bad, i have contemplated leaving the country for a few years!
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