I finally had 2 negatives deleted. However I have a few questions. 1.They verified 1 of my negatives twice. What do I do now? This one is hurting me the most since it has a 60 days late. 2.I have 3 accounts listing as twice because of lost or stolen cards. 1 Active account (new cards) and 1 closed account(old lost cards). Both are positive accounts. Should I dispute these accounts because they are closed? Are they hurting my score? 3. Why can't I dispute inquiries on line anymore? 4. I have one account not reporting to Experian and it has a very high CL and I have no balance so it is making my debt to available credit high. How should I get this credit card to report? Thank you... By the way, I have had 2 negative accounts deleted and my score only went up 3 pts!!! I only have 2 more negative to delete!
1.They verified 1 of my negatives twice. What do I do now? This one is hurting me the most since it has a 60 days late. You can try Doc's litigous nutcase letter. This is exactly what it was designed for to send to a fully paid creditor for lates. 2.I have 3 accounts listing as twice because of lost or stolen cards. 1 Active account (new cards) and 1 closed account(old lost cards). Both are positive accounts. Should I dispute these accounts because they are closed? Are they hurting my score? Since they are showing positive they could be helping depending on your overall mix. You could always dispute one or two off and see what happens to your score 3. Why can't I dispute inquiries on line anymore? Good question. They took that convience away from us. Someone noticed it a week or two ago. I haven't (and don't expect to) hear a real reason 4. I have one account not reporting to Experian and it has a very high CL and I have no balance so it is making my debt to available credit high. How should I get this credit card to report? I've tried this in a couple of cases. I tried to get my mortgage lender and one Credit card company to report on a bureau they don't normally report to. Neither one would. You could always try, call and ask or PFB them. I wouldn't get your hopes up on this one.
