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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.
Keep Disputing. These statements are designed to scare, confuse, and intimidate you. Did you receive an original contract with your signature on it? Of course not, so how is this “verified” or [...]
My car was repo’ed last year but I got it back within a week and I still pay on it.. Do you have a letter to dispute this on my credit report?
Yes. Use goodwill letters for late payments and dispute the collection account if the account is back with the original lender.
It has now been almost 4 weeks and I have not received any responses from the credit reporting agencies. What should I be expecting at this time? When do I send the next round of letters? Are they supposed to send me an updated report and when do they update the reports and FICO scores?
If it’s been 30 days, send your next round of letters. They are SUPPOSED to send you an updated report but they get thousands of disputes every day. Your FICO scores updates round 30 days.
I’m getting my letters ready and have a question. Can I dispute accounts that says “closed” payment “unknown”?
Yes. Dispute ALL negative accounts.
Send them every 30 days from the time the CRA’s receive them. When you send your letters off via certified mail, your receipt will let you know when they will receive it.
You have kept all your certified mail receipts and have given the credit bureaus written notice of pending litigation. Here are your options: Start over from Round 1 and dispute again. Hire a [...]