Repair Credit Report Help
Disputing items on a credit report?
I've searched around a lot for disputing items on my credit report. I've found a lot on how to dispute items via validation letters, but can these apply if they have already made it to my credit report? Also, is it true that companies have 30 days to "validate" such items or they are dropped from my report altogether? Anyone know of any sites that are very thorough and can help me out? I have a lot of questions about credit: scores, payments, and whatnot. Can anyone help? I'm trying to repair a history of being young and irresponsible.
Public Comments
- Yes this does apply to items that have hit your credit report. And it also true that if not validated after 30 days they fall off your reprot. I have done this on all three reports. I paid a site, which many will say you don't need to do. I went to www.fico.com. I paid for three reports and used there letter writers to put the letter together
- The items are dropped after 30 days, if not validated within that time. However, they can be restored (put on your credit report again) if they are validated later. Yes, validation letters can work after an item is already on your credit report.
- Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.fateback.com
