Browsing the archives for the items tag

Trying to validate items on my credit report, does this letter sound good? Should I take out the suing part?

in Apply for Loans

Date: April 5, 2010 Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to a viewing of my credit report and observance of your agency listed as one of my past accounts. Be advised that this is not a refusal to pay, but a notice sent [...]

4 Comments

Whats the easiest and fastest way to remove negative items from you credit? And how long till it improves?

in Free Credit Report

I just recently got my free annual credit report and i saw some things on there i would like to remove since on those i was an authorized user, and from what i understand not liable. I’ve been looking it up all over the web and have gotten some advice, but none of the websites [...]

5 Comments

what is the best way to remove negative items from my credit report and boost my fico score?

in Credit Repair

what is the best way to remove negative items from my credit report and boost my fico score. i have late payments on there and a bankruptcy from 7 years ago and now i have no outstanding bills , but my credit score is still low , how is the best way and the fastest [...]

7 Comments

How do you “negotiatie” with a credit card company to remove negative items from your report?

in Credit Repair

I’ve read that if you have old debts that you are finally able to pay off, you should call / write to the credit card issuer and ask them to remove negative items from your credit report in exchange for having the debt paid off. Can someone please tell me how exactly I can do [...]

7 Comments

I decide to payoff bad items on my credit report, how long until my rating goes up?

in Transunion Credit Report

I am not sure about my transunion or equifax reports, but my experian report shows my rating at 529. I have $9000 in debt. With 0% credit available. If I start paying off these items, and bring them out of the red to current, will my rating go up? I have all red items on [...]

3 Comments

how do I remove items that were supposed to be removed from my credit report due to bankruptcy?

in Build Your Credit

I had a few judgements that were supposed to be removed from my credit report when I filed for chapter 7 bankruptcy, but 2 of them are still on there. How do I get these removed, like who do I contact. One I had contacted someone before and they said they were going to remove [...]

7 Comments

When do items really fall off your credit?

in Transunion Credit Report

Is is 7 years from the delequency date? Is it 7 years from the date the item was first reported on your credit wether bad or good? Is it seven years from the date opened? I recived my credit report from Transunion they have the estimated removal dates and those dates seem to be 7 [...]

2 Comments

How much will deleted false negative items increase your credit score?

in Build Your Credit

I’m a 599 but just got my credit report and noticed that some negative items are wrong (one is a charge off for 1000 on a loan I never even heard of). And some items that are real are duplicated. If I get rid of the false one, how many points should I increase?

3 Comments