Firstly, my service removes everything from your credit file which includes hard inquiries, bankruptcies, student loans, repossessions, collections, tax liens, etc. for $349; however, you only [...]
You will automatically receive an email that contains your Credit Healing Packet and your dispute packet will automatically download to your computer, tablet or phone immediately after your purchase.
You cannot see your account numbers on Credit Karma. You can get your free credit reports that have your account numbers at www.annualcreditreport.com.
I recently went to court for a debt (a medical debt), and promised to pay on a payment plan. Can I still dispute it even though I promised to pay?
Yes. Again, always dispute ALL YOUR NEGATIVE ACCOUNTS.
If the public record is a judgement, do I just put judgement in my dispute letter? If so, what about account number will I use?
There may not be an account number. Put all the information that’s available. There may be a docket number but if not, just put judgement or how ever it is identified.
Why do they send you a 5 year notice letter to have your name taken off the list? I have just been sending the letters and ignoring what they send? Am I doing the right thing?
Yes, you are. There is a footnote that removes you from pre-approved notices. It helps with the repair process.
I sent out my first round of letters and some of them were joint accounts but now my ex is paying the collection agencies. Will this affect if it will be deleted? Will the collection accounts that have currently disappeared reappear as paid in full? If so, what should I do? Should I wait until he is done paying off everything then send my last two letters?
They will most likely not reappear on your report, but if they do THEN you dispute them. But if they don’t come off, you should dispute it a few more rounds or hire a lawyer to sue the credit [...]
Collection agencies typically have old accounts that have been charged-off and sold from the original creditor. They typically don’t have any proof the debt is yours. If they try to sue you, [...]
Yes, according to my knowledge. Some ways are more effective than others in the ebooks. Your results may vary, but since the information in them are ways that have been successful, you should [...]
In the unlikely event that occurs, you can send a dispute letter to the actual creditor and demand to see the original instrument of indebtedness in its original form to see if they do indeed [...]
Equifax sent me a letter, along with a copy of my credit report (inquiry) as they call it.15 days after I sent first letter. Along with a dispute form, they said I should go to their web site and dispute it online for faster service. Should I ignore this and send letter number 2 ?
Yes, don’t do ANY disputes online. Send them your second letter.
The credit bureaus says they will not re-investigate unless I send supporting documents. What do I do?
Again, keep disputing. These statements are designed to scare, confuse, and intimidate you. Don’t be fooled, you will get rid of the negative accounts, but you must keep going.