I'm new here....please help!

I would start by getting copies of the 3 credit reports. Once you receive them, just start asking questions here. You've found the greatest credit resource on and off the web.

CardKid

 

1. Order all three reports.
Equifax (EQ) 800-685-1111
Experian (EX) 888-397-3742
Trans Union (TU) 800-916-8800

2. Once you receive them, highlight the derogs that
you plan to dispute. Document inaccuracies - not
mine, never late, etc.

3. What I wished I had realized before, but I know
now..I got the CA (Collection Agency) fax number,
and address, as well as the credit desk of a credit
card (CC), I submitted letters that you will see
in the sample letter formum for them to validate.
Simultaneously, I dsputed directly with CRAs. On
my first dispute I sent my disputes via mail CRR
(Certified Return Receipt)

4. EQ and EX allow you to use their websites to enter
online disputes.

5. Be persistent and organized.

6. See what happens in 30 days.

Now another board members want to help this new one out. That's what we are all here for afterall.

 

Welcome to the Board

 

Call - you have been denied for credit or live in an area where legislation permits a free report...Follow me...got it...Yes mam dispute lates - NEVER LATE

 

get them free, unemployed, looking for work=free report

 

Check out Experian (www.experian.com) and TransUnion (www.transunion.com). They ask a few credit questions, but you can get your credit report online for free. Equifax will only mail the free report :-(

-lb

 

Register at privista.com and/or creditexpert.com
they offer 30 days free. Then you can cancel the services.

 

you know, the truly great thing about creditnet is the preface was quite unnecessary.

in answer to your question, do you want to get rid of them?

 

"Oh, I also forgot to ask. I was an idiot and have late payments and such...should I even try to dispute these? "


This will be difficult unless you have undeniable proof that you were NEVER LATE(otherwise you are just wasting your time).

Sister Girl

 

wait a minute, sister, this is NOT true. I had a late removed & I didn't have proof, I couldn't even remember if I did or not... neither did the CC co, fortunately. So it's NEVER a waste of time! There is nothing wrong with, "I do not recall ever being late."

 

You were fortunate,& that is what we all hope for(that you can get the result in our favor).

However, I encourage ANYONE to dispute lates,but if you "know" that you were late.....depending on who you are up against....can come back to bite you.

How many people have had lates removed & reappear after "verification";sometimes companies remove them because of the demonstrated willingness to repay the debt(i.e....account kept current,double pymts to catch up,etc).

There are pros & cons to any situation that may go either way.

Any other opinions ?

Sister Girl