Repair Credit Report Help

How do I fix credit report when the credit card company is no longer in business? I am in the process of trying to buy a home and recently reviewed my credit report. I noticed that one account was still reported as opened with a balance. About 4 years ago, I had a credit card account with Conseco Greentree Financial services. The balance was sold off to another company when Conseco went bankrupt. I've since paid off the balance. I called the company that serviced the loan and they said there's nothing they can do since they don't appear anywhere on my credit report. How cn I get this fixed? I can get Conseco to fix this since they are no longer in existence! HELP!!

Can you pay someone to fix credit report? Is this an urban myth? I keep hearing stories of people paying some guy 500-1000 to fix their credit score. I have a friend who works at a Jag dealership. He claims that a guy came in trying to get financed for a car on Monday and it didn't go through, but the same came back on Saturday and it went through. He asked his customer what happened? He guy claimed he has a friend in Atlanta who delete certain items off your credit and boost your score? One of my husbands friend got his car repoed and has been foreclosed on and this year he got a new car and a house? He claim he got his fixed? I suspect this is illegal, but is it true?

Is there a company to help me contact my creditors to help fix my credit report? I want to fix my credit report and pay off my bills, but don't have the time to sit down and contact them all. Is there a company that would help in this task for me?

How do I fix my credit report? I pulled my credit report and found out I have 4 negative marks and 0 positive. Thankfully it will cost me less than $1,000 to fix the negative, all utility bills.What do I do after that?

Can someone help me with information on the best and quickest way to fix a badly damaged credit report, and sc? Can someone tell me that knows or has experience with fixing a credit report with a lot of old negative account reports, like 7-10 years old, and the quickest way to raise your score from a 515 to 650 or higher? I am in college now (33 years old) finally, and trying to fix my life. And this subject is an important fix to me as well as my education. Thank You

How to fix my credit report? Ive recently pulled my credit report, which isnt all that great, but I have one company on there twice for the same thing.....is a company able to report you twice for the samething? Also I talked to a friend and she told be that no matter what a credtor will stay on your report for 7 years, but Ive heard if you paid them off then you can request that they are removed from your credit report...do you know which is true? I really want to try and fix my credit Im only 22 and its not the best but I want to do what I can now so when I want to buy a house I dont have little things stopping me. Any suggestion on how to go about that? You can pay the company you owe but that doesnt take it off your credit report Also I dont want to go to a agency that "fixes" your credit because Ive heard that they are pretty much scams and dont work

How can I fix my Credit report? I have only one Credit card that I am paying every month. Credit was $3000.00 the balance is $1300.00 I was late for pay only 3 time by mistake and now my credit is bad? there is anything I can do to fix my credit report? Last late payment they report month ago, but i never been late more then 10 days in 3 years ( just 3 time few days late) Is that true this is going to stay for 7 years even if I pay all the balance?

How do I fix my credit report for a charge account I am a cosigner of? I cosigned a credit card loan for my brother. He racked up thousands and stopped paying over a year ago. The debt is already charged off. He is working with a credit counselor to resolve the debt but its going to be awhile. I'm wondering if maybe a "consumer statement" will help. There is nothing that indicates that it isn't actually my account. Any advice on wording a credit report consumer statement?

Up to how many years can you fix your credit report? In the building where I live used to live another lady called Aleida P. with a different last name. The credit report is confusing us both because of the same name. The true is that I don't even know Aleida P. The problem is that I didn't check my credit report in 4 years. Know I am applying for a job and for credit and the creditors denied me everything. And I didn't get the job either. When I requested my credit report it shows that the other lady called Aleida has delinquencies, liens, judgmets. Can I fix it?

How can you fix bad credit, can you wait it out until it disappears off your credit report? I've heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

How can I fix a false credit report? I applied for an auto loan last week and the report came back saying that I have a credit card out with a $2700 balance. I have only had one credit card in my life; the one I use now which I've never been behind in payments. It's obvious that I've been a victim of credit fraud... what can I do to fix this?? I need it off my report asap...

What is a legitimate company to fix my credit report?

what is the best way to fix your credit report? I dont owe no companys any money how do i get my beacon score up

Has anyone tried to fix an error on your credit report? How long did it take, and what kind of stuff did you have to do? My boyfriend's credit report has an error on it, and I'm curious as to what we're getting ourselves into in order to fix it.

How can I fix my husbands credit report!? On My husbands credit report it has Verizon Wireless 18 times on there for the same bill, apparently it went to collections and then that collection agency sold it to another collection agency and so forth but now it is on his credit 18 diffrent times for the same amount. I am under the impression that if you have something in collections it can only be on your credit report once not 18 times for the same bill. If I am correct how do I get those other 17 off his credit score and make his credit score go way up. There is only one other thing on his credit score and they have rated it as a 473 because of all the Verizon Wireless bills on there. (By the way we have already paid the bill). Thanks for your help.

can a mortgage broker fix my credit for a higher score on my credit report? I recently applied for a home loan, but the broker told i need it a higher score for a better mortgage rate. The broker offer to fix my credit and get me the preaproval. I am still not convince that the broker can do this for me.

How do you fix errors on your credit report? I rented an apartment from 2000 to 2006. I gave a verbal 30 day notice when I moved out, and my roommate contintinued to live there after I left. The roommate left oweing some money, but there was never any kind of evictions , not even a 7 day notice to pay rent. Now 8 months later there is an eviction showing on my credit report, for a different apt # at that address and from year 04. I"m sure I can straighten it out with the apt. manager, it has to be her mistake...But how do I get it off my credit report so that I can rent a house?

How can i got out of debt and fix my credit report?

How fix mistake on credit report? I turned 18 in nov. and i have been trying to start building my credit. Well i checked my credit report online because i kept getting denied and it said that i was 17 and had my address wrong. how do i contact them to get my b-day right because i have to apply for school loans. asap

How to fix this credit report quagmire? I decided to check out my credit report via annualcreditreport.com because I haven't checked my report out in a couple of years. I took a look at Experian and saw "AT T"(I'm assuming it's AT&T) sent a $200 fee to collections in July, The only problem is that I've never had an account with AT&T. I then see that under my information there is an address and phone number listed that isn't mine. I look up my name with the zip code from the report on www.whitepages.com and find someone with my exact name, including middle initial, living about 3 miles from the mystery address listed on my report, it isn't the exact same phone number or address though. I disputed the phone number but when I tried to dispute the address online it wouldn't allow me. Should I call up the collection agency at all? Should I just send in the required paper work disputing the address, phone number, and collection item and hope that they fix it? It seems like someone just mixed up our names, but who knows

how can i fix my credit report without spending lots and lots of money?

What is the best way to get a problem with a credit report fixed? I recently checked my credit report and there were some things on it that were not there because of me. What is the best way to go about fixing this?

Fix Credit Report? I didn't recieve the bill in the mail due to moving so I was late. It did go on my credit report and when I seen it I paid it off immediately. Is there any way to get this off my credit report? I tried to get a vehicle and I couldn't get it. The loan people told me because I was late on this bill it made my score go down 50 or 60 points. Thanks!

How can I fix my credit score and raise it to 700? My credit score is about 657 I want to raise to 700 and higher, any way I can get my credit report fix and how do i do that?

How to fix an error on a credit report? My fiance and I are looking to buy a home. Our mortgage broker looked at his credit report and his sons unpaid fines are listed as leins on his credit report. (They have the same first and last name) How do we begin to get this off of his reports?

best and fastest way to fix your credit report?

I have a stupid deragatory credit thing on my credit report, how do i fix this? Apparantly I never paid a hospital bill when I was like 18 and it is likely that i thought that my insurance or my mom was going to pay, it is only $100.00 and it was like 5 years ago but how do I fix this and get it off my report?

Fraud by family, What do I do now? How do i fix it on my credit report? So my father took my info and opened credit cards in 2003-2004. I recently looked at my file and there is more in 2007. I put a fraud alert on my account. But now what? Contact the collection agencies? Any step by step instructions would be great. Thank you

I am trying to fix my credit report and get a better score any advise?

I was referred by Wells Fargo Bank to a credit repair specialist to fix negative items on my credit report? I am wondering if anyone has done this and has it worked? Do the items truely stay off your report? He is wanting his fee upfront and I've read that you shouldn't have to pay until services are completed. Is this true as well? I'm confused because Wells Fargo referred me and I want to think it is reputable otherwise why would they ask me if I wanted these services? Any advice would be extremely helpful! Thank You!

Can an individual challenge their own credit report without having to pay someone to help fix their credit?

I am trying to fix my credit report and have a lot of collection and charge offs....? I am calling them each and asking to negotiate a payoff... what should my goal be to have it 100% removed, paid as agreed, or a settlement? Which is going affect my score the most?

Can I fix my credit report? There are a few bills that my report is saying that I owe. I have moved twice in the past year and I do not think that the post office forwarding system works.. Other than that... I am wondering, if it says past due etc... can I still pay this off and have it taken off of my credit report? Will this also raise my credit score dramatically? I'd like to apply for credit cards soon to start establishing good credit.

How to fix a name mix-up on your credit report? When my financial advisor pulled up my credit report, for some reason my mom's credit report comes up instead of mine. My mom and I have very similar names, which is probably why it happened. But all of the information on the report that pulls up (my moms) correctly identifies my mom, without a mistake. How do I go about correcting it so that my report comes up when its pulled and not my mom's info?

Collection agency has reported the same paid account twice on my credit report.? It was paid direct with Dr office. had no idea it was sent to collection. Always dealt with dr office. Bill paid in 2006. Now in 3/08 I rec. letter and reports to my credit report. Collection has proof of it being paid with Dr office but refuses to fix credit agencies report. What are my options. I have written a ltr to the collection agency and have disputed this with credit agency.

Trying to fix my credit report. Who do I call? Who do I pay? Some things on my report says went to collections who do I contact to pay there isnt any numbers. I am frustrated cause there was a 800 number that messanged me to call another 800 number and the guy there talked to me like I was dumb saying why am I calling I said trying to fix my credit report he said he has no idea what I am talking about it was a number to equafax or something like that I tried to explain a 800 number gave me his number to call but didnt. Anyways what credit place or places do I call and does anyone know the number???

How long does something stay on your credit report? My credit report is horrible. However, I have paid off many outstanding debts. How long does it take for my credit score to start improving? Give me advice to fix my credit report/score? Thanks. Does it stay on from the time it is reported, the time is becomes delinquent, or from the time it is paid off? Please answer as well. Thanks. So what everyone is saying is that bad credit from the age of 18 stays with me for life? I had heard 7 years.

Once a deficient bill goes to a lawyer, can I still negotiate down what I owe them to fix my credit report?

will paying my debits even fix my credit report, how much? Hi, I just checked my credit score, and it ranged from 480-510 on all three reports. The only unpaid items are as followed. Verizon $88.00 Verizon $204 Medical Collection $123.00 And this follows with inquiries... EFX 2007-09 GEMB/WALMA XPN 2007-09 PLAINS COMMERCE BANK/T EFX 2007-09 E-LOAN EFX 2007-08 SPRINTNXTL EFX 2007-08 AT&T-WS EFX 2007-08 IMAG/FBOFD EFX 2007-08 TRIB/FBOFD EFX 2007-08 CAPONEBANK XPN 2007-08 CAPITAL ONE BANK XPN 2007-07 BANK OF AMERICA EFX 2007-06 CAPONEBANK XPN 2007-06 HSBC NV XPN 2007-06 CAPITAL ONE BANK XPN 2007-05 700 CREDIT/ROWE FORD S EFX 2007-05 FMCC XPN 2007-05 FORD CRED XPN 2007-04 DISCOVER FINANCIAL SER XPN 2007-03 FIA CSNA EFX 2006-06 CAPONEBANK XPN 2006-06 CAPITAL ONE BANK EFX 2006-05 HSBC NV EFX 2006-05 E-LOAN XPN 2006-05 HSBC AUTO XPN 2006-05 HSBC NV If I paid in full how much does my score go up? Can I have these removed now instead of in 7 years, I meanwill they do that in return forPAYMENT