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Originally Posted by Profits of Doom
If you ever want to really know how to fix your credit hit me up on ICQ 432-524-419 and I'll give you some pointers. You'll hear a LOT of conflicting information but I owned a couple of credit repair websites a while back and I'd like to consider myself kind of an unofficial expert. No I'm NOT selling anything, I just get a kick out of screwing the credit bureau's, which are nothing more than private businesses that are subject to the letter of the Fair Credit Reporting Act and are NOT above the law in any sense.
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Don't tell me you send those annoying "form letters" quoting the law etc in order to dispute items to the CRA's... Credit bureaus can tell when the dispute is coming from a credit repair services due to the format and lettering of the disputes. Sometimes certain creditors will even report which accounts are being handled by a credit counseling service and it will actually show as negative on the report because of that...