fixing your credit report - GoFuckYourself.com

adrenalinedef · 11-15-2004, 01:55 PM

I have a few things on my credit report that shouldn't be on there. I know I can just write a letter to the 3 credit companies and dispute the charges, but is there a professional company that I can hire to fix my credit report? I did a search on Google and found a few places, but I dont know if I should trust them or not, because I feel kinda scared giving my social security number out. Any info would help me alot. Thanks!

Trixxxia · 11-15-2004, 02:03 PM

Quote:

Originally posted by adrenalinedef
I have a few things on my credit report that shouldn't be on there. I know I can just write a letter to the 3 credit companies and dispute the charges, but is there a professional company that I can hire to fix my credit report? I did a search on Google and found a few places, but I dont know if I should trust them or not, because I feel kinda scared giving my social security number out. Any info would help me alot. Thanks!

I'd say do it yourself - you're sure of who has your file & where they are at in updating it + it won't cost you money.

Get a copy of your report - if you've paid off whatever is put there as a dispute, get a letter that states that the account was closed and paid in full *acquitted* - if it's stuff that's older than 7 years, it shouldn't be there any longer - if it's stuff that you never applied for you need a copy of a police report that it is fraud. Then contact all the credit bureaus with a letter requesting them to rectify the errors & within the next month & to send you a copy of a new credit report with adjusted scores.

I hope that helps!

adrenalinedef · 11-15-2004, 02:07 PM

Quote:

Originally posted by TopBucksTrixxxia
I'd say do it yourself - you're sure of who has your file & where they are at in updating it + it won't cost you money.

Get a copy of your report - if you've paid off whatever is put there as a dispute, get a letter that states that the account was closed and paid in full *acquitted* - if it's stuff that's older than 7 years, it shouldn't be there any longer - if it's stuff that you never applied for you need a copy of a police report that it is fraud. Then contact all the credit bureaus with a letter requesting them to rectify the errors & within the next month & to send you a copy of a new credit report with adjusted scores.

I hope that helps!

Thanks, well one of my main problems is this: I just got a mortgage and a car loan in the same month. Both my mortgage and the auto shop must of searched 20+ banks before they got my loan. So I have about 20+ hits on my credit report of banks looking at my report which lowered the score alot. Is it possible to get all that off of there?

adrenalinedef · 11-15-2004, 02:08 PM

Quote:

Originally posted by adrenalinedef
Thanks, well one of my main problems is this: I just got a mortgage and a car loan in the same month. Both my mortgage and the auto dealer must of searched 20+ banks before they got my loan. So I have about 20+ hits on my credit report of banks looking at my report which lowered the score alot. Is it possible to get all that off of there?

woodman · 11-15-2004, 02:14 PM

Quote:

Originally posted by adrenalinedef

Multiple inquiries within a short time are common when getting a loan. This does not impact your FICA score. What does is when you have consistent inquiries over a long period of time.

angeleyes · 11-15-2004, 02:20 PM

I fixed mine by myself, it was very easy, wrote the same letter, copied it three times, mailed it out and added a sob story to it and my credit shot from 500 to 750 within a month and all of the charges on there were removed. Took about 15 minutes of my time.

MickeyG · 11-15-2004, 02:22 PM

http://www.lexingtonlaw.com

I found out about through someone on the board here, they've done a great job for me.

GotGauge · 11-15-2004, 03:11 PM

Buy your Reports online,
They have an online dispute section.
It is mostly just picking options, no need to write anything.

It is quick and simple, this works for 2 of them, the third one you have to call.....

adrenalinedef · 11-15-2004, 03:11 PM

Quote:

Originally posted by MickeyG
http://www.lexingtonlaw.com

I found out about through someone on the board here, they've done a great job for me.

I've seen alot of companies like that online... they charge per month etc... Are they to be trusted? What exactly do they do

11-15-2004, 01:55 PM	#1
adrenalinedef Confirmed User Join Date: Mar 2003 Posts: 518	fixing your credit report I have a few things on my credit report that shouldn't be on there. I know I can just write a letter to the 3 credit companies and dispute the charges, but is there a professional company that I can hire to fix my credit report? I did a search on Google and found a few places, but I dont know if I should trust them or not, because I feel kinda scared giving my social security number out. Any info would help me alot. Thanks! __________________ what?!

11-15-2004, 02:20 PM	#6
angeleyes Confirmed User Join Date: Feb 2003 Location: Wandering around FL using random Wireless Connections Posts: 3,584	I fixed mine by myself, it was very easy, wrote the same letter, copied it three times, mailed it out and added a sob story to it and my credit shot from 500 to 750 within a month and all of the charges on there were removed. Took about 15 minutes of my time. __________________ Need a Writer? Contact Me. I write quality descriptions, short erotic stories, quality one-liners.. whatever you need.

11-15-2004, 03:11 PM	#8
GotGauge Confirmed User Join Date: Nov 2001 Location: USA Posts: 3,072	Buy your Reports online, They have an online dispute section. It is mostly just picking options, no need to write anything. It is quick and simple, this works for 2 of them, the third one you have to call..... __________________ ICQ 22264474 [email protected]

11-15-2004, 02:22 PM	#7
MickeyG Confirmed User Join Date: May 2004 Location: South Florida Posts: 4,134	http://www.lexingtonlaw.com I found out about through someone on the board here, they've done a great job for me.