     paul e | Monday, November 29, 1999 - 10:33 am 
I have started the process to repair my credit. I do have a couple of questions.
1. Should I include multiple items on my letters to the credit reporting agencies, or just one item per letter?
2. Should I send all of my requests at once, or should I space them out? |
| fitness | Monday, November 29, 1999 - 03:38 pm
Paul:
When disputing items to one particular credit bureau, you can include as many items as apply.
State each one seperately, but they can be in one
letter.
Secondly, I don't think it matters if you send out your requests all at once or space them. My experience with clients
sending out disputes letters to all three bureaus at the same time has never been a negative. |
| V.Evans | Monday, November 29, 1999 - 04:23 pm
Paul:
My experience has been that alot of complaints in one letter yields less positive results. The CRA for some reason, assume that if you are complaining about multiple items at once, then everyone else can't be wrong and they tend to think you are "letter Blitzing".
I put two to three in each letter max. And I send them to different addresses.
Vicky Evans
Carreon & Assc. |
| fitness | Tuesday, November 30, 1999 - 04:55 pm
Paul:
I've been helping people write letters disputing
items on their report for the last 10 years and
have always gotten complete cooperation from all 3
bureaus every time. The # of complaints in a letter will not determine how any credit bureau
views your disputes. Good Luck!! |
| Robert Bielak | Wednesday, December 01, 1999 - 08:04 am
fitness -
Sending too many disputes at one time OR within the same letter CAN be deemed "frivolous" by the CRA and EVERYTHING disputed will be ignored. The FCRA provides the CRA with SOME protection against people who are trying to abuse the '30 days and it's gone' item. Not that it WILL or that it ALWAYS is, but it CAN. That's why I limit each letter to two or three items.
Why take the chance? It's only 33 cents ... :) |
| Don | Sunday, December 05, 1999 - 06:15 am
Fitness,
You ruined your credibilty when you say you've always gotten complete co-operation from all threee CBs. They can be helpful and even co-operative from time to time. But i've found those times few and far between.
What i've found is there is no connection between the number of items i've sent in at once to the results gotten back. The real factor is the supporting documentation you supply.
I would like to add that they are also being done by humans. The more you send in at once, the harder it is for them to keep it straight. |
| fitness | Sunday, December 05, 1999 - 11:35 am
Don,
Sorry you feel I ruined my credibilty, but I don't. None of my clients have ever experienced
any negative feedback from any of the 3 bureaus,when I help them write their dispute letters. And as far as documentation goes, you
always have to have that when you dispute anything
on your report. That's just a given.
SO YOUR POINT IS??? |
| rcb | Sunday, December 05, 1999 - 11:53 am
fitness -
>> And as far as documentation goes, you
always have to have that when you dispute
>> anything on your report. That's just a given.
Not true. Call any bureau. Say "I want to dispute this item - the original delinquency date is wrong" or "that's not my account". They'll say "Is that it or is there anything else? You'll receive the results from our investigation within 30 days."
Having documentation certainly helps, but it's not necessarily a requirement. |
| fitness | Sunday, December 05, 1999 - 05:52 pm
RCB
I didn't say documentation was a requirement, but
anyone should know if your disputing something it
would help if you gave them documentation to do
their research.
And I'm sorry I've always gotten cooperation from
the bureaus, in some incidents, not right away but eventually.
Good Luck Paul e. |
| rcb | Tuesday, December 07, 1999 - 06:26 am
>> I didn't say documentation was a requirement
Sure you did ... :) You said "And as far as documentation goes, you always have to have that when you dispute anything on your report"
You said 'always' ... :) I just didn't want anyone thinking that, if they didn't have some documentation, they could not dispute.
As for cooperation, I have pretty much ALWAYS had cooperation from the Big 3. Sure, one or two items took a few months longer than they should have, but I've even had some issues resolved within HOURS, not days or weeks. I've had several things deleted @ 6 years and 8-10 months, just because the person at the reporting bureau said, "Ah, it's close enough to seven years". :) |
| Eric | Saturday, December 18, 1999 - 11:23 am
I am new to this forum as well. In my experience, and I have just disputed many items on my report recently, it was simply a matter of telling the bureaus why I was disputing the items. I did not need to provide any documantation. For any of you who are going to do this, heed this WARNING, when disputing any information on your reports, take careful notice of what your response from the bureaus says as to why an item is taken off. In my experiences I found that most items were removed because the agency did not receive a response from the creditor in 30 days. While this worked long enough for me to obtain my mortgage, the disputed items were back on my reports within 3 months. Any suggestions? |
| Anonymous | Sunday, December 19, 1999 - 04:15 am
I have found that if a paid/charge off is legitimate, and you dispute it, it may disappear for a while but it will be back, if and when the creditor decides to respond to the dispute inquiry. If it is 5-6 years old the credit bureaus may decide if it is disputed to just remove it or they may decide to go the whole 7 years. Who knows. I don't believe there is any rhyme nor reason to some of their decisions. I think it just depends on the analyst's mood handling your dispute. Shouldn't be that way but that's as good an answer as any. |
| Eric Selbe | Monday, December 20, 1999 - 11:25 am
Have have found a reference to Lexington Law Offices for credit repair. What's the scoop with this group? Are they legit, when I looked them up on the Web, I found information on credit repair items such as removing inquiries and past judgements. Their fees, as best as I could tell are $25/month if you communicate via e-mail. Anyone familiar with this? If so, please provide me with whatever info you can. |
| rcb | Tuesday, December 21, 1999 - 04:09 am
Eric:
(Disclaminer: this is based on my experiences helping others, so opinions on this may differ)
Simply call the bureaus and dispute the past judgements. 9 times out of 10, they'll just delete the item(s) - they don't spend alot of time verifying old judgements (just BK's).
I read this on the web one day. I told two other people about it. They called and disputed. 30 days later, the judgements were gone from their reports. It's been a year and a half for one person and a two for the other - nothing has every showed back up.
And before some loser comes along to call me a liar -- your mileage may vary. I've personally seen it work 2 out of 2 times (three judgements total).
Hey, it's worth a try! Can't hurt anything. |
| rcb | Tuesday, December 21, 1999 - 04:15 am
BTW - I would NEVER pay anybody two nickels to "repair my credit". Anything they can do for you, you can do yourself - they're just going to work the system and dispute items that you can do yourself. And just becuase they get one removed (probably part of their $ back policy), that doesn't not mean it won't show up later when the creditor reports it again. Your biggest ally is time (in cased of accurate negative info).
But I'd never pay anybody to "repair" my history. I spent 6 months learning and 1.5 years fixing AND waiting. You can do it yourself, with the help of places like Bayhouse.com. |
| Cheryl | Tuesday, December 21, 1999 - 04:23 am
I use Lexington. They are good with what I'm using them for. I started the process of repairing my credit myself. First, I got a merged credit report. I used QSpace. It only cost $29.95, but they didn't pick up everything on my husband's or my credit, so I can't say I would use them again, but it did give me the information I needed, as well as guide to decipher the credit reports. There were also some form dispute letters which gave me a basis to use for my own. Second, I paid off all collection accounts. Then I gathered every piece of back-up information I had and started writing dispute letters. It is very time consuming to continue to write those letters and you must if you wish to clean up your credit. This is where Lexington came into the picture. Their methodology is that they dispute everything. This is good if you have already have a foundation from which they can work. If you have unpaid collections they can probably get some of them off your credit just by disputing everything, but the collection may come back because it is unpaid. Good luck. |
| rcb | Tuesday, December 21, 1999 - 04:53 am
Cheryl -
Yes, but I have a computer and a printer. I can pump out form letters all day long with little work on my part. Maybe some people don't mind throwing money away, but I usually try to save it. I'd rather spend it on repaying old debts (even though I don't have any more - I paid them all off already) :) |
| Cheryl | Tuesday, December 21, 1999 - 04:18 pm
Well rcb, you may have the time to pump out form letters all day, but some of us have jobs and our bosses dislike our doing personal work on the job. I too have a computer (otherwise I wouldn't be writing this) and a printer, however, with certified mail, return receipt going for $2.95 (1 oz.) and the fact that there are 3 credit bureaus and I'm getting 3-4 reports a month from each bureau that equals $26.55 at the low end to $36.40 at the high end for certified mail charges alone without counting my time. Certified mail is really a must if you want to have verification of everything in case you decide to sue. Unless I've forgotten basic math, that is more than the $25.00 a month Lexington charges and one doesn't have to do anything except the basic legwork setting everything up. I have been doing similar stuff in law firms for almost 20 years, yet when it comes to my own stuff I get very emotional and can't seem to see very straight. In fact, I almost see red I get so angry thinking about why my credit was ruined in the first place. Credit repair agencies do have a place in the scheme of things. Just because you would prefer to do it yourself, don't knock someone who would rather let someone else do it. |
| Anonymous | Sunday, February 20, 2000 - 02:38 pm
A BK can be remove from your credit file LEGAL if you stop and think how the credit bureaus got that info in the first place{BK} just reversed the way the bureaus did it and it will be remove in less them 5 business days and you can do it over the phone. |
