You’ve ordered and received your credit report, verified the information on it and identified items to be disputed…
I suggest that you dispute all NEGATIVE items. (Don’t dispute an outdated POSITIVE item. I did that once. It was removed and I felt like an idiot later.)
There are several methods you can use: (1) dispute items with the Credit Reporting Agencies, (2) dispute items with the Creditors, (3) negotiate with your Creditors, (4) file segregation (do NOT use. illegal.), and (5) a statement to be included with your credit report.
Choose the method that best fits your situation.
Continue Reading... Disputing Your Credit Report Entries
Contact Information to be used when disputing Credit Report entries…
Continue Reading... Disputing Credit Entries - Contact Information (US)
Contact information to be used when disputing Credit Report entries…
Continue Reading... Disputing Credit Entries - Contact Information (Canada)
I was told that my letters to the Credit Bureaus must contain the specific law that required them to remove disputed items that cannot be verified. Your letters do not state the laws in them. Do you know if this is necessary?
Continue Reading... FAQ: Letters To Creditors
I am trying to buy a house and I have a bankruptcy and an item in collections. Is it possible to clear that up?
Continue Reading... FAQ: Clearing Report of Bankruptcies and Collection Items
January 2008
November 2007
October 2007
November 2006
October 2006
April 2005
February 2005
Read More... News and Advice
Innovis: The "New" Credit Reporting Agency by arin721
Sample Letters - Quick Links by arin721
Resources for Identity Theft - Quick Links by arin721
Resources for Credit Repair and Credit Scores - Quick Links by arin721
Credit Scores - Quick Links by arin721
You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes. Its supposed to be 102F here today. That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?
What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal.
Plasma donation. I does it.
Saving money as a single can be difficult. You’d think it wouldn’t be, since there is only one of you, but cooking for one can be more expensive and time intensive. And when you’re busy and tired you don’t want to spare that extra time. You end up living on prepared foods and take out. After all, who wants to cook for one? So how to save money in the biggest money waster: food?
There’s snow on the mountain tops where I live already. Its getting too cold to wear sandals and I need a sweater. The dark will soon do me in. Its winter and these are all normal things, and for me and many people like me, so is the depression that will set in soon. The winter blues.
Read More...
