Repair Credit Report Help
How do I repair my credit report. Due to Credit Bureau mess up.?
In Feb of 1998 I declared bankruptcy. In the 10 years that followed, my credit behavior has been excellent. I have bought and paid off 2 homes, always pay more than is owed on credit cards and bills and payments are always on time. Before February 2008 my credit was excellent. After Feb 2008, when the bankruptcy was taken off the report, 3 accounts that were cleared with the bankruptcy are placed back on under collections. Next, my father who passed away in 2001, his social security number and info has now been mixed with my reports and they now show that I had credit cards at 4 years old and am officially deceased. This has ruined my credit. What process would you suggest I take to ensure complete repair of my credit reports? Thank you
Public Comments
- That should not have happened, I would suggest you go to a credit lawyer or a credit repair place. There are two I have in mind that are really good Bradley Law, and Lexington Law, both run by Attorneys in the field of credit. You can do it yourself, but believe me most people don't have the patient nor the expertise to check on, run down, figure out, or unscramble all the mess that is on their reports, that is were these people come in. This is what they specialize in. They know the law, better than you. Two things keep in mind for one since you filed a bankruptcy, the collection company should not have put these item back on your report. This is wrong. Secondly, I don't know , since you didn't explain, how your deceased fathers info-soc.sec.#-accounts would have been linked with you. This is important and you really need to check into this. Did you co-sign for him, did you take over his estate? The first one is easy, the second one, you need to find out why they are linking you to/with your dads accounts. Only after this will you be able to restore your credit. And believe me it will get restored. I know it is an inconvenience, and a shot against your credibility, because you have worked so hard to recover from your bankruptcy. But believe me you will get them off, and your credit will be restored back to the original. You will see. That is the exact reason why they tell people to check the credit bureaus, and your credit report on a yearly basis, because you can find all kinds of damageing information on there, that is falsely reported. Another suggestion would be to get this book by Stephen Snyder " Life after Bankruptcy ", Increase your credit scores, and join his mailing list. This man is the bomb, he is a guru, a giant in the field of credit, and not only talks about life after bankruptcy, but credit, credit scores, debt ration, obtaining credit etc. He is the only person that puts the whole puzzle together, and then leads you in the directions of financial success. Debt Free baby, all the way.................... P.S. can you tell me how you have bought and paid off two homes within 10 years? Great keep up the good work.
