Is it really possible to ‘fix’ your credit report?
PitbullMamma asked:
I have heard people say they have paid people to ‘fix’ their credit report. Is this true and legit? I have negative things on my report due to numerous things, job loss, divorce, stupidity as a college student and a bankruptcy that is scheduled to ‘fall’ off 2011. Some of these things supposedly are to fall off in 2009, but others that I have even disputed because they were accounts opened in my name that I did NOT authorize and I having a hard time getting those removed. What is the best way to help my report, improve my score and get these negative things off (especially the ones I did not do) without having to wait years? I know about the 3 credit companies Experian, Trans-Union and Equifax. Are there others, too? I don’t want to get scammed and I also want to find the best ‘company’ to go through to monitor and have access to my credit reports. Any advice on who and how much it costs? (I have requested a free credit report annually, but I want access for more than just 30 days). Thanks for ANY help in advance!
Is it safe to use a company to repair your credit? Do they cost a lot? What if its a scam? How do I know if its legit?
I also heard someone tell me that if you obtain your reports and dispute all items continuously every 30 days that they will eventually ‘run out of time’ and HAVE to remove the debt off your report, is this true?? Is it legal?? Sounds like a lot of work!! oh btw a LOT of my things on my report I’d say 60% are medical related, stuoid thing is its the same company reporting me to collections and instead of combining all charges they sent the seperately… causing me to have 45 negatives on my report when over half is the same place, can they do that? why couldnt they just combine it and make it all one, then i’d only have maybe 8 negatives on my report. Im sure when I apply for credit they see that and are like ‘no way are we extending credit!’ I think that should be illegal for them to report each doctor visit or hospital stay seperately when they all came from the same place.
So if something is removed, it cant magically come back on your report at all can it? Like say I had a collection removed, can it backfire on me and reappear if that company sends it to collections again?
Leo
I have heard people say they have paid people to ‘fix’ their credit report. Is this true and legit? I have negative things on my report due to numerous things, job loss, divorce, stupidity as a college student and a bankruptcy that is scheduled to ‘fall’ off 2011. Some of these things supposedly are to fall off in 2009, but others that I have even disputed because they were accounts opened in my name that I did NOT authorize and I having a hard time getting those removed. What is the best way to help my report, improve my score and get these negative things off (especially the ones I did not do) without having to wait years? I know about the 3 credit companies Experian, Trans-Union and Equifax. Are there others, too? I don’t want to get scammed and I also want to find the best ‘company’ to go through to monitor and have access to my credit reports. Any advice on who and how much it costs? (I have requested a free credit report annually, but I want access for more than just 30 days). Thanks for ANY help in advance!
Is it safe to use a company to repair your credit? Do they cost a lot? What if its a scam? How do I know if its legit?
I also heard someone tell me that if you obtain your reports and dispute all items continuously every 30 days that they will eventually ‘run out of time’ and HAVE to remove the debt off your report, is this true?? Is it legal?? Sounds like a lot of work!! oh btw a LOT of my things on my report I’d say 60% are medical related, stuoid thing is its the same company reporting me to collections and instead of combining all charges they sent the seperately… causing me to have 45 negatives on my report when over half is the same place, can they do that? why couldnt they just combine it and make it all one, then i’d only have maybe 8 negatives on my report. Im sure when I apply for credit they see that and are like ‘no way are we extending credit!’ I think that should be illegal for them to report each doctor visit or hospital stay seperately when they all came from the same place.
So if something is removed, it cant magically come back on your report at all can it? Like say I had a collection removed, can it backfire on me and reappear if that company sends it to collections again?
Leo
