Quote:
Originally Posted by bausch
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...
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No that is an old an ineffective method. Each case is unique but each can be beaten. The negative you receive from a credit counseling service is due to the fact that you are negotiating your debts for a fraction of what they actually are and even though the collection bureau's will stop hassling you you are still considered slow pay/delinquent, etc.