Repair Credit Report Help
Repairing Credit Report Knowledge Base
I would like a finacial advisor to assist me in repairing my credit report and to try clear? I would like to know if there are any people who assist people in repairing or fixing their credit report. There are financial advisors who assist with finaicial investments for your future but that is not who I am looking for. I am looking for an expert willing to assist in repairing or trying to assist in clearing or repairing a persons credit rating. I need advise on how to go about it also i would like to know what is in my credit report.
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.
how long does unpaid credit balances stay on my credit report, how do i go about repairing my credit? I have about nine different credit cards that I never paid because i ran into some financial difficlties when I was younger this was back in 1997
Repairing Credit Report? Is it true that if you make payment or settle with a creditor right before it 's 7 yr release date.., that you're doing your report more harm than Good. I think its call REDATING' and it makes the clock start ticking all over.
Im working on repairing my credit. I got a copy of my credit report and managed to pay off most of my debts.? After this last payment I will only have one negative thing on my report. I heard that applying for a secured credit card is the way to go? How long does it take for my score to improve after paying the debts off? Should I wait to apply for a card? Or does anyone know an easier way to improving my score after paying my debts? My credit score is around 550. Any advice is greatly appreciated...
Does anyone have a template that can help me repair my credit report? I am in the process of repairing my credit. I have a copy of my report from each agency, and I have support to show that many of these credit lines are inaccurate or incomplete. however, I would like to know how to format my response so that the reporting agency can understand my response more clearly. Any suggestions are appreciated:)
repairing credit? I just tried to get a new car & my interest rate came back as 15%. I only have 2 outstanding accounts both under $200 and one is a medical bill. I will pay those off asap but what else can I do to repair my credit. I don't have any credit cards. Is that a bad thing? The only open account I have on my credit report is my car payment which has NEVER been late.
Repairing my own credit report.? I have decided to start repairing my credit on my own. I have a few paid collections on my credit report. Do I contact the collection agency who reported the bill or exquifax to have these items removed from my credit report since they have been paid off 4 years ago? I am new to this so any info you can provide will be greatly appreciated. I am choosing not to open more credit cards etc. because I already have 1 major and 1 dept. store credit card that is in very good standing. Thanks for the suggestion anyway.
Repairing Credit? I just paid everything off that was negative on my credit report. How long until the score goes up and I can get a loan for a house?
Is is possible to legally remove negative information from your credit report? I know there are websites out there that are scams and say they can get you a new credit report which is illegal, but I have also read that you can get the creditors to remove the negative marks. Is this true? Also, are there any free websites out there with legitimate information about repairing credit? I came across the Credit Secrets Bible and thought about buying it, just not sure if you could get the same info for free somewhere else.
What companies can I contact to remove fradulant Credit Report Entries from my report? There is a company that I know is illegally trying to collect money from people and they have added negative marks to my credit report for something that never even happened. Is there a credit report repair agency? Most of the ones I have seen are only dealing with consolidating your debt, rather than working to rid your report of any false collections.
Whats is illegal on credit report repair? I seing people advertizing making your credit get a bust of 120 points in 30 day for 29 a month! Is that legal. They do not explain what they do, or how they do and the legal consequences.
should i pay someone to dispute items on my credit report to repair my bad credit? I am about to graduate from college and I would really like to improve my horrible credit score (541), all of which come from charged off credit cards when I first started college :-( A friend of mine found this guy who she says repaired her credit for about $500 by disputing negative items on her report and getting them removed, which made it alot easier for her to get a new car, and soon she will by buying a house. Should I go to this guy?? Does that stuff really work?? I would like to do it myself, but I wouldn't even know where to start and I would not have the time, especially with work and school... Most of the items on my report are 2-3 years old... I need advice!! Please help me improve from a 541...
How do you take an old account off of your credit report? I have already started paying on my old accounts that were sent to collections. I want to repair my credit report. Can I take these accounts off my report once they are paid?
credit report repair, what does it all mean and what can I do to help ? Hi,I am working Identiy Guard and it isn't expensive and all they do is provide updates when someone accesses my report and helps me contact issues. But I have settled via attorney 99.9% of my accounts, and like it says I have a credit card open that isn't open. To whom do i turn to get help just to understand it because I want it as clean as possible to raise my FICO score and because it has a lot of errors on it that would help my score. But I just don't understand all of the terminology there ? Any help or advice, please do not yahoo search and copy site, I need some practical person experienced device. They even say I should open a new credit card account because I haven't had any for 6 years and I need to show I can have one and pay it. ???
how do i repair my credit report and score within a year? within the next year i need to be able to take out a living expense loan for graduate school by myself without a co-signer. i have about 8 student loans, all deferred and 2 hospital bills and a credit card on my credit with a score of 576.
How do I get a "summary" of what I should correct first on my credit report ? another credit report question, I have been to so many credit report repair sites, and on one, somewhere ????????? they gave me a summary of what was most critical to dispute, as I know they are wrong. Do you have any idea where I can get that, as I have a long list, and only need to dispute the most important. I know they have a couple of revolving accounts that say I'm seriously past due and because of that summary I saw somewhere once, I know I need to take care of these first along with ????????????? If you know, I would really appreciate your help once again. you can email me too if you want I NEED A LIST OF WHAT IS MOST CRITICAL TO DISPUTE. ONE SITE GAVE ME THAT BUT CAN'T FIND IT AGAIN.
Is there a way that you can repair your credit report by timing disputes? I have heard that you can dispute debts at a certain time and that the creditos will not catch it and at certain times and it is cleared from your record. Who can I contact or can I learn how to do it myself?
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.
What does it mean if my credit report Date of Last Activity column reads NOT REPORTED? Will this charge off never fall off my credit report? Im trying to repair my credit to buy a house. I have a 498 w/TransUnion, 527 w/ Equifax and a 600 w/ Experian.
Is accepting a payment plan for my credit card debt the kiss of death on my credit report? I have been getting 30 and 60 lates on my report and I can't seem to pull out of this cycle of lates now that my rates are so high. My score is in the toilet. Will it be even worse when my report shows that I am on a payment plan, or can this be the first step into repairing my credit?
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?
Is it possible to get my credit report repaired? the thing is is that back in may 2005 i had a car accident but i had full coverage with $5000 to cover my medical bills. turns out my insurance company never paid for these 3 bills! So now i have poor credit! Now my insurance is saying that they can still pay them! but the damage is already done! after sending them my bills to them AGAIN what will happen with my credit score or report? will it still be bad? or can i dispute this and get it off my record cause my insurrance lied to me saying they had paid my bills and another thing it took them two years to fianlly pay the other party. and they only paid it because i was now being sued! what can i do about this matter?
How can i remove charge off/ paid accounts off my credit report? I paid off all my credit cards that were charged off last year thinking that if i paid them they would be removed from my credit report. Now i need to purchase a home and need to boost up my credit score fast. is there any way i can get those charge off/ paid off my credit report? can a credit repair place help me better if so which is a good one?
Other than the free credit report one can get without cost, what others are reputable.? I couldn't get my annual free credit report because my bank used it. What others are out there that I can use to repair my credit.
Repairing credit how??? HOw do I take negative things off report that are already paid off? Please answer! my other questions too I am listing them individually so I can give more best answers!
I read online all the time about companies that repair your credit report, can that really be done? I get emails and read online about companies, like Lexington.com, that claim they can repair your credit report, "permanently remove negative items off your credit report". Of course, they charge a 99.00 start up fee, and then 79.00 a month. Considering a credit report can stop you from getting a loan, stop you from getting credit of any kind, it can stop you from getting a job. I wonder if anyone here on Yahoo Answers has tried this and if it really works? Thanks in advance for all your answers
what are prospective employers looking at on my credit report? I also need to know what comes up on a basic background check and an FBI background check. I've been applying to jobs and going to interviews which I seem to ace, then I don't get the job. I understand I lack a college education but I am attending school. I'm at a loss. I'm 28, have bad credit, and I'm trying to get my life on track but how am I expected to make it when no one will give me a chance. It's hard to repair credit and pay daily expenses when I can't get a better job.I'm on a strict budget, I'm making sacrifices. Are there any programs for single peolple, with no children, no criminal backgrounds and a somewhat unstable work history? How can a person who partied a little to hard in her early twenties get herself on her feet? Can some one please offer some suggestions?
Is it possible to remove credit inquiries from my credit report? Over the course of about three months I went on a desperate auto loan shopping spree. I was trying incredibly hard to get approved under my own name with only a year worth of credit history because I have no willing/able co-signer. I've recieved about 20 inquiries and my credit score dropped over 50 points from the original 730 I had, bringing me from excellent credit to between fair and poor. Now I know that people usually say that you should stay away from "credit repair" agencies. However, I feel cheated to have these inquires draining on my credit report for the next two years when I've been responsible with my credit cards as I don't have a single late payment and I usually pay off half my debt or more every 2 weeks. Please advise.
Does anyone have the web address for the free annual credit report? Im trying to repair my credit and want to know the status of my credit, however i cant seem to find it in any search engines, all the ones i found ask for a credit card or debit card number, i was told before that once a year we are suppose to veiw our credit report for free without having to provide a credit or debit card, which i dont have due to my bad credit.
Can I get companies to report credit like utility companies, cell phone, etc.? Im trying to repair my credit. I looked at my credit report the other day and I noticed that the only some companies only reported bad stuff. Like when I missed a payment for a month and some haven't reported anything at all. THe companies that haven't reported anything are the ones that have been getting paid on time. Is there a way I can request that these companies report my credit. How would I go about that?
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 I remove an negative item from my credit report? ok I am aware you can dispute negative items that appear on your credit report. And there is a lot of law firms and businesses out there who claim they can remove negative items from your credit report. But here is my issue. I have a card I was 120 days late on a few years back and I've disputed it a few times but its only been taken off temporarily to be verified on a put back on my credit report. I was with Lexingtonlaw a year back and it was just a endless cycle of disputing items on my report. The credit card companies just kept on responding with "That item has already been verified" so in the end, really none of my negative acconut statuses improved. Can you really get rid of a negative item on your credit report even if its partially true? Is the whole credit repair business just a sham because its just doing you a service that you can do just as easily yourself for free?
How can i delete a paid item on my credit report? Just wanted to know what can i do to delete a paid item. My credit report was updated from unpaid to paid less than full balance. I went today to a credit repair guy and he told me he is pretty sure he can delete this item. thanks
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!!
Iam tryint to repair my credit report, what are the most imporatnt debts to pay ? I got a copy of my credit report andI dont know what the most important things to pay are.I have never had any credit cards so I dont owe any credit card companies.i HAVE TWO MEDICAL COLLECTIONS ACCOUNTS, ONE TO VERIZON WIRELESS, COLLECTIONS FOR A LIBRARY DEBT ,AND ONE I OWE FOR AN APARTMENT THAT I BROKE THE LEASE ON IN 2000..I dont really have 1500.00 to put towards this one..but Id still like to know what is the most helpful to pay off anyway, and is credit really that important, I have a really know it all friend who says not to pay these that they dont really matter
Has anyone had inaccurate accounts deleted from credit report? How long before scores changed? I disputed some negative accounts on my credit report. The investigations have just been completed in the last few days. Most of the accounts were deleted, but my scores haven't changed. Has anyone had accounts deleted from their credit? Did your scores go up and how long did it take? I thought once some of these came off, my score would go up. I work with credit everyday for a mortgage lender, but I don't deal with credit repair, so I'm new to this part of it. I'm trying to get my scores up so I can get 100% financing on a mortgage. I just need my scores to go up a little bit and was told getting these accounts off of my credit would help raise my scores. Any advice from someone who knows about this would be greatly appreciated.
Can you remove inquires that say paid/settled or closed from your credit report? I contacted a credit repair service which says they can remove these is this really true or a waste of money. I just want to repair my credit but these inquires look bad on my report. So before I dish out alot of money need some advice, THANKS
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?
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