Hi All, Great Forum. I'm hoping to learn alot and share the little I know. OK. I have 2 negatives on my credit report. Negative1: Amex - Status: Closed, Paid in Settlement Negative 2: Macys - Closed, Charge Off I have disputed both items above with the CRAs and both came back as "Verified". I contacted Macys and requested a detailed statement within 30 days. Its been 30 days now and I haven't received anything. My next step is to contact all credit bureaus and request the "method of investigation" for both negatives listed above and ask again for a deletion of both. Now, for my questions. 1) Am I going about this the right way? 2) If I go to a credit repair company, do I have a better shot at this or am I just flat out wasting my money? Thanks in advance for any help you can give. This forum rocks!
1.you can try a goodwill letter but at this point in time there playing hard ball. 2.On a charge off you can try paying it,but at this point in time I don't think it would do you any good. 3.You might consult with Apex.He might be able to help you.
JJgross. Thanks. I sent him a PM and I'll wait to hear back....Are there any other advices from anyone else on here?
Itâ??s instance for credit repair. Formerly a creditor sells a defaulted explanation to a collector they are no longer invented to report a past outstanding balance. This is capable of removed through a small credit repair attempt.
A 'hit' just means someone looked at your thread. If they didn't reply, they may simply feel that they don't have a good answer for you. This reply, for example, is a good example of that.
