Deletions of Negative Information on Your Credit Report?
This is not really a question more like information for you guys. I have been doing this on my own since September 2009, decided not to waste a month with Lexington Law to do the same thing, I have managed to Successfully have my Bankruptcy Chapter 7 (Filed in 2005) DELETED from all 3 Credit Reports, as well as 10 other Negative Credit Cards from Capital One, Target, Macy’s and various collection agencies within 4 months.
Just recently I have been able to obtain a New Car Loan, and a Cell Phone Credit Account.
Here is how you do it:
Get your credit report
THE FIRST DISPUTE WILL MOST LIKELY NOT REMOVE IT -
Dispute the information "Please verify all balances/dates as this accuracy of this account is incorrect"
**They have 30-45 days to respond, if they do not verify it, by law it is deleted, if they do it will update*
**DO NOT GET DISCOURAGED- - THIS IS A PROCESS**
When/If it comes back unchanged/Updated Re-Dispute it and state:
"Please state your method of your verification process and source all information on balances, dates and provide information"
Give it 30-45 Days, It most likely will come off/delete from your credit report
If it does not, re-dispute it again with the same statement
My score has increased 100 points in 5 months and i have went from 10 derogatory remarks and a bankruptcy to 3 remarks and no bankruptcy
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2 comments
bdancer222 on January 13, 2010 at 11:39 am
Don’t be surprised if all those negatives show back up on your credit report.
Frankly, I find it very hard to believe that you got a bankruptcy removed. That is a public records item and unless you get the public records changed, Chapter 7 shows for 10 years.
Also, the credit bureaus merely have to contact the creditor for verification. They don’t need to ask for any details. If the creditor fails to verify to the credit bureaus, then the item would be removed. You would have to contact the individual creditors to get detailed statement info.
Antony on January 13, 2010 at 11:39 am
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com