Chargeoff verified--now what???

Discussion in 'Credit Talk' started by cosjef, May 15, 2001.

  1. cosjef

    cosjef Well-Known Member

    Junum disputed the most derogatory item on my Experian credit report--a 6/98 Amex charge off. It came back verified. No results from Eqf. or TU yet.

    I need some guidance on where to go next. I plan to purchase a home in September, and this entry is really damaging.

    Should I:
    1) Begin my own round of certified dispute letters to all CRA and Amex?
    2) Let Junum keep working at it .
    3) Call Amex directly and nicely ask for it to be reduced to "Paid" from "Paid Charge-off"?
    4) Threaten a lawsuit, like la Lizard?

    I welcome any and all feedback here.
  2. Ender

    Ender Well-Known Member

    If that's your worst, then don't worry about your record too much.. just let junum work for you - that's why you hired them, right??
  3. NanaC

    NanaC Well-Known Member

    I would let junum continue to attack it. I think that's great advice. I had items verified the first time (totally bull) and then removed the second! :)

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