Hi everybody, Iâ??m new here to these forums. My basic stats: -TU 615, Ex 620, Eq 620 -Two CC charge offs in past year (Cap 1 & Citi.) I have just (Feb) paid them both off in full. -Car repoed in Aug, was immediately redeemed a week later and will be paid off in June (Citizens bank) -NCO collection since 11/06 for $156 debt to Progressive Auto insurance, paid off. All these are legitimate accurate negative marks. How can I get rid of them? Anything I can think of would most definitely be frivolous. I just canâ??t foresee these items being removed without some level of BS. Any ideas?
There is an obvious difficulty in answering your question. However, have you tried "goodwill requests" with some of these? This is simply asking for removal based upon the extension of goodwill by the creditor. Nothing ventured, nothing gained. Next, you state these account tradelines are 100% accurate; are you sure? Have you examined every detail of them re: dates, amounts, etc.? Take a break, and look at them later with an editing view. Review in full each negative account, there is probably an item somewhere which is inaccurate and/or incomplete. That is what you dispute.
I doubt very seriously that they accurate and complete as reported. There is a difference in the account being yours and reported as it should be. One must know what to target in terms of data fields in order to find the nuances. NCO can be deleted in a week. Do a search.
