Comments on: how do I dispute items off my credit report?

By: CatDad

CatDad — Sat, 12 Dec 2009 16:01:12 +0000

- If the debts you paid off were for charged-off credit card debts, then paying the debts back won’t help your credit rating. Paying off non credit card defaults can help your credit rating. Accurate negative info stays on your credit report…

Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) within 30 days or remove them from your credit file. Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver’s license and social security card…If you don’t include these, they may write back requesting them, which would slow the process down by several weeks. For each negative item, write a separate letter and simply include the phrase:

Per the Fair Credit Reporting Act, I am requesting written validation of this item.

Do this one at a time for each negative entry….DO NOT request validation for all items at one time.

By: Jessi

Jessi — Sat, 12 Dec 2009 16:01:12 +0000

If you have paid off what was owed to the company, then the company can write you a letter to be sent to the credit report companies. If you haven’t paid off the debt, then you’re stuck with it for 7-10 yrs.

By: Miss Curious

Miss Curious — Sat, 12 Dec 2009 16:01:12 +0000

You have to call each credit bureau. You paying your bills off, will improve your credit over time but not immediately. They should send you a letter saying that you paid said bills to show proof until your score is updated.

By: Phil

Phil — Sat, 12 Dec 2009 16:01:12 +0000

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com