my wife has two chargeoffs one is a school loan from 01/98 the other is A Toyota lease from 04/96. what can i do to get these off of her CR?
Dispute them> In my experience, student loans are sometimes hard to get off, but it can be done. The car lease will be coming off soon as long as last activity was 4/96. The seven year clock is up soon. I also read that the CRAs use a 6 year 9 month instead of the full 7. Hope this helps.
so i just send a dispute letter directly to all the cra's?do i dispute them for anything specific? should i use one of the dispute letters here? if so which one do any of you suggest? i'm sorry for all the questions, hopefully one day(if i learn a lot) i can help you all answer these newbie questions.
You simply send a letter stating the bank and account number and Dispute as not mine or inaccurate or unverifiable and request that you want it deleted. That should do it.
