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Wednesday, May 26, 2010

How to errase Collection items on my credit report?

I signed a lease for an appartment and then I moved to my house and gave the appartment to my roomate. When I moved out he didn%26#039;t pay the bills and collection agency started calling me. I paid the bills but its on my records now. Can I get it off the credit report as I was never contacted. Am I still entitled to all the bills as I signed on for the lease? Any way to clear that out?



How to errase Collection items on my credit report?

You have a couple options. First would be to go through the debt validation/dispute process (known as the 1-2 punch) and generally that will solve the problem, especially if they are paid.



If that doesn%26#039;t work, you can try sending a %26quot;goodwill%26quot; letter asking them to remove the negative marks. Creditboards.com and CreditInfoCenter.com all have good information and sample letters you can use.



How to errase Collection items on my credit report?

You can dispute the record but if it turns out to be valid, it remains for seven years regardless. Get copies of all three credit reports and simply write to them to give your side of the story. If they cannot verify the information, it has to be removed. You have nothing to lose.



How to errase Collection items on my credit report?

Do you know if it%26#039;s actually hit your credit report? Most don%26#039;t. When you move from an apartment you need to switch your name from the utilities. If not, you are ultimately responsible. You can get a free credit report, and if they show up, dispute them. You may want to consider suing this individual in small claims court.



How to errase Collection items on my credit report?

sure just write a letter of dispute and send it to them and tell them you have paid it off and want it removed if not you can report it to the BBB or consumer fraud and file a complaint



How to errase Collection items on my credit report?

visit creditboards.com they will have sample letters and tell you how to go about the disputing process the best way. it is free. i have used i to get some items deleted.



need a credit card visit



http://creditcardwarehouseonline.com



How to errase Collection items on my credit report?

You can also place a statement on the account explaining the situation. Something like %26quot;Apartment was sub-leased and I was not made aware of my tenant%26#039;s failure to pay until after this was reported. Account has been settled.%26quot;



How to errase Collection items on my credit report?

So, you moved out, left the bills in YOUR name and also never filed a change of address form?



Even if it was the companies job to inform you that your account is overdue (which it is not), they would send notice to the billing address which you provided. Did you ever bother to check the mail at your old apartment? Did you ever attempt to provide them with your new contact info? Did you ever check in to make sure your old roommate was paying the bill on time?



Clearly not. You abandoned your open accounts with these companies, which you had an obligation to pay, and did nothing to ensure that they would be paid the money owed to them. Doesn%26#039;t matter if you eventually paid them back....Your actions were still incredibly irresponsible, say a lot about your character, and that is why it%26#039;s going to stay on your credit report for the next 7 years.



Consider it a %26quot;life lesson%26quot;.

Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

is it legal to freeze my credit report? or can I change my SS number in order to start a new credit report file? I would really like to know what are my options.



Thanks for your help!



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

you can remove negitive info that is incorrect. there is a chance to remove legitamte info if the creditor does not respond. you should negotiat payoffs and in that negotiation for a positive report to be made to bureas.



it takes more like 90 days the 30 day thing is a quick fix that may in the end simply reafirm debt



This e-book will help you understand your credit file, score and most importantly show you how to raise your score by %26quot;fixing%26quot; errors. the process is 3 steps and will take 60-90 days and you may have items removed and or payed off for far less than you thought. then you may be eligable for a credit card, car loan, or mortgage. estimated 70 percent of reports contain errors that might cause consumers to be denied credit. Fair Credit Reporting Act requires credit-reporting agencies to fix these mistakes.



how to get free reports, negoiate debt pay off and understand credit myths. all links included , sample letters, lots of good information.



http://www.geocities.com/maverick_mathae...



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

see what these people have to say



http://andycaine.approval4u.hop.clickban...



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

No you can not clean your credit report in thirty days. Nor can you freeze a credit report or change your social security number to start a new credit file (witness protection not included) Dispute letters do work if you disputing something you can legitimately dispute. See a credit counselor who can review your credit report with you and advise you on what to do.



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

Take a look at this site and it%26#039;s various responses to your request. If anything can help this one can.



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

Everything you mention is just plain impossible, and not even realistic if it were. If a dispute is sent to a credit bureau they have 30 days to investigate and attempt to verify the accuracy of the item being disputed. If they fail to verify it within that time then they have to remove it from your credit file. All of this will take longer than 30 days, so under the best of circumstances if every disputed item could not be verified you still wouldn%26#039;t make it.



How would you propose to %26quot;freeze%26quot; your credit report? There is no such thing. Information from creditors is updated monthly, and nobody is about to freeze anything. False Social Security numbers are just plain fraud. You don%26#039;t want to go that route.



There is a method you can use that may work to get even legitimate negative items off your credit report. I know this works because I have done it. If you ask a credit bureau how to get legitimate negative items off your credit report they will tell you it cannot be done, but they are wrong. I%26#039;ve done it.



What you do it to send a handwritten letter to the credit bureau (Experian, Equifax, or Trans Union) where the negative item shows up, and state quite bluntly that the negative item is not yours, it must belong to someone else with the same name, that you have never been involved with whatever it is, that this error is damaging your credit and you want it removed immediately. They will have to investigate it, and if they can%26#039;t get it verified, they will have to remove it. This might not work the first time, and it may take several attempts over a few months or even a year to get it off. But if you keep sending dispute letters sooner or later someone will not make the deadline, and off it comes. Just keep in mind that this is not a 30-day process at all, and it could even take a couple of years. I did this and over time negative items would disappear one by one.



This is not a question of disputing errors. This is a matter of getting legitimate black marks off. Send enough dispute letters and eventually these things will go away... maybe.



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

are you on drugs or what? pay your bills man



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

It cracks me up the people who suggest to people with credit problems to pay their bills. I guess you have never had any hardships in life. I hope you don%26#039;t, you would not know how to handle them.



One more thing if you had a bill sent to you and it was not your bill would you pay it? So why is it wrong to dispute wrong entries on your credit report???



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

Yes you can can dispute accounts and that helps you clear your credit of deragatory information, but you are not able to get a new social security number, or freeze your report. I have worked with a credit company. So I am familiar with the consumer protection laws. If you have any questions or need any help in the future e-mail me at loancreditsolutions@yahoo.com



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

1. It will take more than 30 days to clear up your credit.



2. Some states have laws which allow you to have more control over when your credit report is pulled this is refereed to as freezing your report. However, you will have to allow potential creditors to view it along with potential employers and others that require viewing it before doing business with you.



3. You cannot change your SSN.



Now For the good news:



1.You can work at clearing your credit and do it yourself I recommend you purchase an inexpensive credit repair kit. You can find them at office supply stores along with self help wills and other self help legal forms. Also, you can find them on-line. These have easy to follow instructions are informative and include form letters you can personalize for your use.



2. There are better sources of information then we here go to the FTC consumer web site.



3. Dispute procedures are helpful when done lawfully. The FTC site and the credit repair kits will help with this.



4. You have the right to add remarks to your credit report. See FTC site for details



Is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?

No. They are scams. If you owe the debt and cannot pay, file bankrupt as a last resort. Try credit counseling first. I would suggest that you listen to Suzi Orman. You can email her and she will answer your questions and tell you what you need to do. She is taking live calls on June 3rd........ http://www.suzeorman.com/index.cfm

CLOSED account still showing on credit report...?

Is there a letter I can write?? OR something i can do? I have an account that has been closed over 2 years still showing on my credit report.............it doesnt have the greatest history either....... can u HELP PLEASE!!!!!!!!!!



CLOSED account still showing on credit report...?

as far as i know companies can hold personal data and details of your credit for 5 years and they can pass it on to others but after 5 years its illegal to do so



CLOSED account still showing on credit report...?

The credit agency does not have to take this closed account of your report and most likely they wont otherwise everyone with poor reporting would just close their accounts and have %26#039;instant%26#039; good credit.



You CAN write a letter explaining why the history on that account was not the greatest. If you lost your job or had a child during that time, that might be worthy of noting. When someone makes an entry into your credit history your letter will be sent with what they send to the person that is taking the peek.



Good luck to you



CLOSED account still showing on credit report...?

check out www.equifax.com., www.experian.com...they are both credit report sites that will offer you some insight on how to get it removed....



CLOSED account still showing on credit report...?

Closed accounts are bad news. Not only do they stay, but the actual closing of any account is considered a negative.



CLOSED account still showing on credit report...?

A closed account is not taken off your credit report. A credit report is a record of your history of credit usage. Even if you closed an account, it is still part of your history. I believe accounts will be factored into your score for up to 10 years.



CLOSED account still showing on credit report...?

Your credit report is about credit history-- your behavior over time. Accounts, even closed, are meant to stay on your report for 7 years. You can intiate a dispute with the bureaus and hope you get lucky and get it deleted (it happens) but it is SUPPOSED to stay on there for another 5 years.



And this goes for %26quot;Both accounts%26quot;-- if it was sold to another collection company (or whatever) then it is legitimate that its on your report twice-- the first company took a loss and the second company is still trying to recover the money (or did, if you paid it.)



It%26#039;s just how it works. This is why being responsible with your credit is SO important-- everything you do today effects you for 7 years.



CLOSED account still showing on credit report...?

Did THEY close it or did you? If they did, it can stay for 5 years. As for it being there twice, write to the reporting agency, and be prepared to show proof that it is the same debt because they might ask. It is very common to have errors like that on your credit report, but the most common are clerical errors such as misspelled names. It is worth a shot to try to remove one of the listings. And be sure to keep a copy of all the things you send to the agency while attempting to remove it.



Good luck!

Getting a copy of my credit report?

I need to get a copy of my credit report ASAP. However, I dont want to do it online. I heard someone say you can get them at a bank is that true? If not, where can you get one? I don%26#039;t mind having to pay for it!!



Getting a copy of my credit report?

You can go to a local real estate office and ask a loan officer to qualify you for a mortgage. Request a copy while you are there. it will have all 3 scores and be comprehensive. They don%26#039;t charge.



Getting a copy of my credit report?

Although you might not want to do it online, most online places are secure and safe and you will get it instantly. Some banks offer credit checks, but not all. You would have to check with your local bank to find out if they do. Other then that, the only other places would be online.



Getting a copy of my credit report?

Go to http://www.annualcreditreport.com they can mail it to you if you really want them to.



Getting a copy of my credit report?

The only place you can get all 3 of your credit reports for free is at www.annualcreditreport.com. You can see your credit scores at a bank when you apply for a loan but you shouldn%26#039;t apply just for that.

Where To Get Annual Free Credit Report?

I think we閳ユ獧e allowed to get one once a year 閳?is that true?



If so where exactly can I get an annual credit report for free?



Thanks.



Where To Get Annual Free Credit Report?

The site below is one that can help you get your credit report 100% free.



It is honestly the best way I found.



It is also the fastest.



1) Go to the link below and click %26quot;%26quot;Get My Free Credit Scrore%26quot;%26quot;enter your info:



2) Fill out your info



3) Choose a password (and username)



4) Check your credit report, then log in and cancel.



Doing that, you%26#039;ve gotten your credit report for FRE!



Even though they ask, they do NOT charge your credit card at all. So after you see your report and get a copy, simply click %26quot;%26quot;cancel%26quot;%26quot; and you%26#039;ve gotten it for free.



It%26#039;s that easy, and highly reliable. I got my credit report this way and know others who have too:



Trust me it does work.



http://www.xbizx.com/CREDITREPORT-annual...



Where To Get Annual Free Credit Report?

Yes you can get your credit report for free once a year. To find out how: http://www.squidoo.com/annual_... another way to get it for free is if you%26#039;ve had an adverse action notice: http://www.creditcardassociate... Report It



Where To Get Annual Free Credit Report?

Bunk, these are not free, there is always a catch. Beware so you do NOT get snared into this trap.



Where To Get Annual Free Credit Report?

You get it at https://www.annualcreditreport.com/cra/i... and you can get it three times a year if you ask only one of the reporting agencies for a report every four months.



If you go directly to the site of the three agencies: Experian, Equifax, or TransUnion, they will charge for the report. Also, when you ask for your free report, they will suggest you buy your credit score from them. The free report does not include your credit score. You have to pay for that, but you don%26#039;t really need it.

How long will it take to get off my credit report?

For the last 2 1/2 years i have been getting small loans out with a finance company to establish some credit. I have had 3 of them and I am working on paying my 4th one off. When i looked at my credit report the other 3 were reported as closed.it is listed under revolving accounts, but they all have $0 balances. how long do these stay on your report?



How long will it take to get off my credit report?

7 years for debts other than bankruptcy which stays for 10 years.



You have to keep checking though. I applied for a mortgage and a lawsuit which had occured almost 20 years before it showed up. It also showed me as the defendant when I was



the president of a defendant corporation. It did not mention that we won the lawsuit.



I had to do a lot of explaining and letter writing.



How long will it take to get off my credit report?

Usually stuff falls off after 5-7 years



How long will it take to get off my credit report?

Accounts with %26quot;good%26quot; standing can stay on for 10 years, and %26quot;bad%26quot; accounts fall off after 7 years. I watch a lot of Suze Orman. God Bless!

After 7 years does your credit report reset in California?

I left the country only to relize that I was in an enormous ammount of debt like 4k. I don%26#039;t intend to pay the debts but I was wondering if it all just dissappears after 7 years or does the debt stay on the credit report?



After 7 years does your credit report reset in California?

It may fall off of the public record if there is no claim filed for the money or it remains until settled.



After 7 years does your credit report reset in California?

Im pretty sure it stays there as long as the person you didn%26#039;t pay keeps reporting it. I know that if you file bankurpt, then legally the debt has to %26quot;fall off%26quot; in 7 years.



After 7 years does your credit report reset in California?

It can perpetuate indefinitely. If the original debt is sold to a collection agency, it is then considerred a new debt, then years later that collection agency can sell it to another collection agency. In the meantime, you $4000 debt can become ten times that amount.



Of course you could just choose to not be a deadbeat loser and just pay your bills...I guess I%26#039;m not getting the 10 points for this one!



After 7 years does your credit report reset in California?

you, know, if you actually incurred these debts, the situation actually works out better for you in the end if you pay them.



Think about if from the other perspective. If you loaned someone 4K wouldnt you want / expect them to pay it back?



Your decision not to pay actually makes you a thief.



You stole their money and pretty much said F^%$ them...



Guess I wont be getting the 10 points either.