credit report wrong forum... fuck it

[monster2929]

sisnce nobody reads the other forums u guys know any secrets to wipe my credit report clean of collections without paying them i got some shit on there from like five years ago im tryin to clean it up and i hear there is some catch that they have to wipe it off but i dont know how to go at it thanks

 

[CENTURION44]

your credit report will have the account numbers and phone numbers of the companies..call tehm yourself and arrange payment...ask for a paid in full confirm...fax that directly to the credit agency..you will have the correct phone number on your report.....it will be removed within 30 days of receipt of confrm fax

 

[bigmann245]

sisnce nobody reads the other forums u guys know any secrets to wipe my credit report clean of collections without paying them i got some shit on there from like five years ago im tryin to clean it up and i hear there is some catch that they have to wipe it off but i dont know how to go at it thanks

there isnt a loop hole. the company only has 30 days to respond to your dispute. if they dont then it gets removed and the company can not put it back on. the companys that you pay to have bad credit removed actually works. my inlaws did it and a friend of mine did it. it takes a while but they do get a lot of stuff taken off. my inlaws even had there forclosure taken off. but you have to shop around and do a check on the company. some charge $75 and do the same job a company charging $250 so check around. all they do is send dispute letters for you to the credit burough and they time it right so eventually it takes off the bad stuff little by little. its all about timing and they know how to do just that.

 

[vachelle72]

There is no secret to cleaning them up with out paying. Even after you pay ,it can take months for it to be removed.

Depending on what state you are in , they are supposed to drop off after 5-7 years ,but this does not always happen. If you have something that is over 5 years it should not be affecting your ability to get credit , unless it is a car or home loan. The car people are less forgiving and go pretty far back. If trying to get a home loan , if you have a really good reason and correspondence , you can usually explain it away.

There is one secret , that if you contact the company directly , and set up payment terms , in most cases you can get them to reverse the account to "closed" with a balance. THis will look like you are in good standing and willl not adversely affect your credit rating.

 

[Razorguns]

dispute it with the credit agency right around xmas time.

it's the laziest slowest time, and you can perhaps hit that perfect 30 day window and very few will reply back in time.

 

[asianlover]

If its a really bad problem you are having then i would look into ch.7 bankruptcy.
I know some one that had to do that because they had a lot of bills from stolen cards, but it also wiped a the bills they had charged. It does limit personal liability and will pretty much wipe you credit clean. that is why the credit laws will be changing soon so there will be no more ch.7. If i were you i would look into it and if it seems to work for you find a lawer to iron out all the details for you.

 

[monster2929]

not that bad but it is stupid shit from along time ago, i have about a 600 score but it should be way better if it werent for these collections a few are errors that they will take off but a couple are just stupid from a long time ago

 

[jc1908]

its a good idea to check your report every 3 mons or so., because shit i had nothing to do with shows up, that way it will be clean when need to apply for a loan. example: i ran mine a few months ago, it showed an open american express account with a balance of $2300.00, the problem was the date- i was a freshman in high school when this account was supposedly opened.

 

[aandd]

Since i am heavily involved in the repair of my credit i will give a few pointers.

PM me if you are interested in credit repair and i will hook you up with a great website full of information.

The most important thing to do is NEVER EVER CALL a collection agency or original creditor. They can record you and use it to thier advantage.

I have been involved with the credit repair for a few months and out of $8000 in outstanding debt i have had $3000+ taken off without having to pay a dime.

Just pm me and i will be glad to help you.

mr aandd

 

[gettinripped]

hey centurion44,
you wouldnt happen to be a centurion in the c21 system are you?? just wondering. I am also a centurion 2 years running now. if not i guess that doesnt mean much to you.

your credit report will have the account numbers and phone numbers of the companies..call tehm yourself and arrange payment...ask for a paid in full confirm...fax that directly to the credit agency..you will have the correct phone number on your report.....it will be removed within 30 days of receipt of confrm fax