Repair Credit Report Help

Can I dispute an negative item that is marked "paid, closed" on my credit report? Credit Dispute I viewed my credit report online and there is a negative item listed. My question is ..Can I dispute an negative item that is marked paid, closed on my credit report? Did I make the mistake of not disputing it first before paying the collection agency? Is there a small chance by any reason that I could get the item removed from my credit report by disputing it at this point?

What does it mean when a credit report dispute results in No Status? I disputed a charge on my credit report. I got the updated results back today and the results say No Status and all of the balance information just says N/A. Basically like this: Status: NO STATUS. Credit Limit/Original Amount: NA High Balance: NA Recent Balance: NA Recent Payment: NA What does this mean exactly? Any ideas?

Will filing a credit report dispute make the debt go away? I have a collection agency after me for a debt. If I dispute the debt and the credit reporting agency does not get a validation, I know they will remove it from my credit report, but will the collection agency have to write it off as well?

Credit dispute letter...Do I have to send a letter with a copy of my credit report for each item to dispute? I'm currently disputing a few negativie items on my credit report. My question is this: Do i have to send one letter for "each" negative item dispute along with a copy of my credit report, even if I disputing the items with the same credit bureau? Because if that is the case, I would have to print alot since credit reports contains many pages. Or, can I just simply "list" all the negative items that I'm disputing, in one letter with one copy of my credit report (with highlighted dispute items)?

How do you clean your credit report when dispute letters fail ? I need to clean my credit reports, all 3 bureaus, I have been late in 2 mortgage payments this year, bringing my score to about 530. I need to have it to 620 or more. I have written dispute letters, did not work to clear entries in reports.

Do I have to send my entire credit report to dispute? I know we should send a credit report while disputing something from the bureaus but do we have to send the entire report. I have a 16 page report !! LOL yes 16 pages and want to know if I should just copy the page that contains the incorrect information or copy the entire report. Please note, I’m asking this because through my experience credit bureaus love to prolong the process by stating there isn't enough information and I need to submit additional documents. Sorry, but please answer if you're certain of the answer :-) Thanks in advance!

Can you dispute Credit Report inquiries? Someone just asked me this and I didn't know the answer. So I am hoping someone else does. Credit disputes/credit "repair" normally works best on older accounts because it is more difficult for the information to be verified. Inquiries only stay on your report for two years, which really doesn't meet this critereon. Has anyone had success removing these?

Should I pay on old item on my credit report or dispute it? I have a new item on my credit report from Calvary Portfolio services for 57 dollars from Sprint. I have not been a Sprint customer for over 4 years. Should I pay this 57 dollars or should I try to dispute it? What are my chances with this dispute? Is the fact that its such a small number make it more likely that it will just be dropped? I find it ridiculous that such a small figure is ruining my score. I was a Sprint customer at one point and my guess is that this was the last bill after switching from Sprint to Cingular that I didn't realize they were still charging me for, but I had no information about it until I checked on my credit a few weeks ago.

Credit report dispute? Can you dispute a contract opened by a minor? My younger sister opened an account with t mobile (and on the agreement it said you have to be 18 years of age and she checked the box, shes only 16, almost 17) And now she ran up a bill and its in collection. Can this be disputed since they opened a contract with a minor? Sure she checked the box to say she was 18 or over, but to open the account they asked for her SSN, so shouldnt they have known?

How do you Dispute Credit Report Errors? Im trying to figure out what to write to dispute credit inquire.

If I dispute an item on my credit report, do I dispute it with all 3 credit bureaus? I disputed an item on my credit report with Experian and the result was in my favor, but do I do the same with the other 2 bureaus?

How do I dispute negative items on my credit report? I have one negative item on my credit report. How do I dispute this item? I have heard that if you dispute an item and that particular company does not acknowledge it can be removed from the report all together. Is this true, and how do I go about doing this? The negative item is from Mac Tools Distribution, if that will help. There is an address on my report although there is no phone number. Do i need to call them, or a different source?

How do I dispute my credit report? I have some negative marks on my credit report, what's the easiest way to do that?

Is there a way to get a free copy of my credit report to dispute a negative report? I do not want to go through one of these rip off companies that find hidden ways to charge you. Can I contact the credit burau myself and get one

What is the best way to work with credit report disputes that I know should be removed ? HI, My credit report is a mess, but it shouldn't be. I worked with an attorney and we settled all the debts. Now I need to go in and dispute them so they will clear them. I have the dispute form letter, I am signed up thru an oline site that does credit reports etc. I plan on sending out letters and have the "proof" letters from my attorney. Can I do this online easier ? Any professionals out there who know the tricks ? thanks

how do you file a dispute on a credit report? i recently got a copy of my credit report and there are a LOT of things there that i never used/purchased, etc. how do i file a dispute or report identity theft? does this cost me anything? please advise

Can a collections agency file a negative credit report while the charge is under dispute? What good does disputing a charge do if they can still file a negative credit report? Am I going to have to file a dispute with the credit companies after all this is over as well?

Should I dispute my credit report? I recently checked my credit report and noticed that (on all three), my boss' business account is listed on which I am an authorized user. The reports list it as carrying a balance of $5000, and my boss' home address is even listed as one of my previous addresses (which is obviously not accurate). However, I never saw an application, never see a statement, and have no control over making payments or adding charges. Should I dispute this account being listed on my report and affecting my credit rating?

Is there anyway to dispute derogatory items on my credit report? When I lived in Florida I tried to get DSL in my apt. I contacted Verizon to get eveything set up and they mailed me everything. I found out that the phone jack in my place was not wired at all, so I called them to cancel it. A little over a year later, a collections agency contacted my parents looking for me. I contacted them and found out what the issue was. Apparently Verizon had charged my for the little time I had the modem and service. Once I found out about the charge I immediately paid it. A couple of weeks later my credit score drops 100 pts. After a year they finally put 2 derogatory items on my report. Is there anyway to dispute this and get it off of my report. It took them a year to contact me and when they did, it only took me a few minutes to get it paid. The rest of my report is spotless, does this not count for anything?

Can you dispute items on your credit report that is taken from Freetriplescore.com? Its the three-in-one that tells you your score and negative items in each credit report. But since the information is merged, would that be acceptable to use when trying to file a dispute or claim any inaccuracies? Im talking about writing dispute letters to the individual bureus for them to to investigate things that are inaccurate and wrong on my reports. I know you have to send in a copy of your credit report to the bureu, im wondering if they would accept this merged document...

Credit Report Dispute? I disputed several accounts on my credit report with all three credit bureaus. With Equifax, they deleted everything I disputed. For Experian & Transunion, it came back verified. Can I use the fact that Equifax deleted these items as proof they should be deleted? Also, if an account is reported "disputed" on the report, does that affect credit score? Is it viewed negatively?

My Chp. 13 was dismissed. Can I dispute this on my credit report. How does it affect my score? I could not afford the trustee payments and mortgage payments, so I asked the trustee to discharge my plan so i can sell my house. I have a settlement in two weeks. What should my next game plan be? Can the discharged BK be disputed on my credit report since it was dismissed?

credit report dispute! help please!!!? ok so ive had identity theft and there is on more thing on my credit report that i need to dispute and take off. i have the proper paper work it just seems like every time i call i get no where..what is the easiest way to do this...please help its been 4 months and ive gotten no where..im so frustrated!

If I need to dispute something on my credit report and I moved, do I get the police report there or here? I have a few things on my credit report that I did not do. I have to dispute them and get a police report, which people are telling me it's hard to do, and I don't know if I need to get one in Missouri, where it happened, or Virginia, where I am now. Can anyone help me and tell me what the best and quickest way to handle this? Thanks in advance!

where can i find a letter to dispute my credit report? There is a letter than we can print to demand that they investigate an account or something. it is very frustrating, i have 4 accounts on my credit which arent truly mine but they wont remove them!!

Should I dispute everything on my credit report? My husband's family has told us that if he disputes everything on his credit report, those companies that don't write back within 30 days don't have to be paid. It seems like a good idea at first but how tedious is it to dispute all items? He has about 8-10 companies that he owes money to. Does this really work?

Is it fraud to dispute accurate information on credit report? I have been doing alot of reading on how to fix my credit reports and one of the methods i've seen says to dispute any and all bad marks on your credit even if you know it's correct. is this true? will i get in trouble if i do this?

Equifax credit report dispute? I filed a dispute online with Equifax and they sent me an email stating that I need to send in or fax over my driver's license, social security card or w2, and a utility bill to prove to them that I am who I say I am before they can process the investigation. That doesn't make any sense to me conisdering I had to to answer specific questions to prove who I was before I could even get my credit report. I'm concerned with mailing or faxing this stuff in because that's my whole life right there. If someone was really trying to steal my identity, they'd have everything they needed...I'm wondering if there's another way around it because I didn't have to do all that when I filed a dispute with the Transunion credit buerau. Thanks.

How do i dispute a charge on my credit report? ??????? I left a college i was attending in the spring quarter around janurary before even ENROLLING in classes, so i go on my credit report today and they ARe on there as trying to collect from me for a outrageous amount like 7K and i want to dispute this charge because i owe them NOTHING!!!!!!!!!!!! How do i dispute a charge on my credit report?

How can I remove a public record dispute off my credit report? I lived in these apartments back in 2002 and I lost my job and I got behind on my rent. We were scheduled to go to court for my eviction but on the day of hearing I paid my rent and all late charges. I even lived in the apartment for another 8 months. I got a copy of my credit report the other day and it says that I owe the apartment company $242 and it shows up as a public record debt in my credit history. How can I get that removed? Help!!!

How can I dispute negative items reported by Campus Partners to my credit report about a student loan? I have been unable to get anyone on the phone at the Campus Partners via the number they give at 800-344-8609 and cannot seem to find the right directory for filing disputes in their automated response system. I have already initiated a dispute via Experian's credit expert. Please help me find out how to get a live person on the phone with Campus Partners. I've also already tried pressing 0 and # and * all the usual keys that indicate "operator" in similar systems. One issue I am having is getting a live person on the phone. I have no idea how to get a live person from Campus Partners on the phone. Their automated response system will not let me get to an operator or any person. As a result I cannot ask them any questions or collect necessary information to file a complaint with the BBB.

how can i get the paper work needed to dispute my credit report? i need to clean my credit report for free

How do you follow up after you have submitted a dispute regarding something on your credit report? I recently mailed some documents to dispute an item on my credit report. I received a phone call from an automated service stating that my request had been received and my dispute should be completed in 14days. Don't really know where to go from here, or what the possible outcomes may be. Ive tried looking online but it seems i am looking in all the wrong places.

When you dispute an item on your credit report, does it come off your score temporarily? If you dispute a negative item on your credit report, will your credit score adjust as if the negative was never there, while the dispute is being investigated?

How do I dispute a negative statement on my credit report? I'm in the U.S. Army. Shortly after filing my indiana states taxes for 2005 I deployed to Afghanistan. I apparently owed the state revenue service around $40. I am pretty sure I acknowledged this before I deployed but I guess it slipped my mind. Apparently the revenue service tried to get a hold of me (which they obviously weren't able to) regarding the situation. Eventually, a sheriff was sent to the address listed on my Indiana state driver's license and the state revenue service reported a no payment tax lien on my credit report. All in all, the state got their crummy 40 bucks but I have the negative hit on my credit report. I was turned down for a car loan because of it. Am I able to dispute this? If this had been under normal circumstances I would have been on top of things and this thing would have gotten paid before anything bad happed.

I owe a university 2,000 dollars. Can I dispute that on my credit report? I went back in august 2006 and I left after a month. If I can't dispute it, how long does it stay on my credit report because there is no way I am paying for that.

How do I dispute credit items on my credit and log in identity theft to my credit report? I have had so much trouble with identity theft the last few years. I have not been able to get a home or a car. I know there has to be a way out there to get some of those older items deleted isn't there?

will it affect your credit report if you dispute&refuse a bill and biller only have your address and not SSN? You are changed a bill, you don't think that the bill is reasonable and refuse to pay. You didn't sign anything. The biller has your address, but not your social security number. The biller may send it to collection agency (the amount is only $50, so it's unlikely that it will be sent to collection agency). Can the collection agency report the case to credit report companies (without your SSN) so that it may damage your credit history?

How do you dispute something on your credit report? There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the "date of last activity"? All I see is the open date and last reported date. The last reported date can't possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

Need to dispute items on credit report, but do not know how to word it or go about doing it? To be successful, I'd like to not leave anything out when I communicate with them? Anyone know of any forms I can use to dispute debts with creditors? Or forms to settle the debt for less?

Can I dispute this on my credit report? I have an account in collections that I'm trying to pay. I called the collection agency listed on my credit report & was told they gave the account back to the original creditors. I called the original creditors who say they don't have an account for me on file. I asked the collection agency if they can still report this item if they no longer have the acct. I was told "Yes, until you pay it". How can I pay this acct if no one has ownership of it? Can I dispute this item and have it removed from my credit report?