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Discussion in 'Credit Talk' started by Madelyn, Aug 7, 2000.
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You could use a professional credit repair company. I recently signed up with a company called junum.com. They charge 21.95 a month for single and 33.95 for a couple and 8 per item that is deleted off of your report. I would dispute things on my credit too and got alot of it off. But then I got to the stuff that I wasn't having any luck with. So I decided to go with them. And by the way, I had the worst luck with Experian.
Wow...Im sitting in the same boat. Tons of late pays on my discover account. The account was closed by discover 2 years ago(closed by credit grantor). It is the last negatige on my report. Anyway, I have to wait about 30 more days before I dispute it.
Are you still a discover account holder in good standing? A couple months ago I disputed a late pay with the bureaus. Experian and Equifax deleted it however Trans Union verified it. I was a current account holder with the bank and I mailed them a letter asking them to remove the late pay. I also called prior to the letter and asked what their records said about my late pay. The rep told me the account history showed that the bureaus did inquire about the late pay. She also gave me the date of the delinquency. In the end they removed the late from trans union.
Moral of the story- discover will most likely have records on your profile in your account history of inquiries made by the bureaus. Also, you may just write discover and ask to delete the lates for whatever reason. It is worth a shot. Its not as if discover can black flag you as "frivolous and irrelevant". Worst case is they tell you no. If you have an account with them that will give you a little bit of leverage. Although I would advise against actually closing an account with a prime bank and with late pays on your file.
If discover doesnt delete the lates, wait about 90 days from your last CR dispute and write the bureaus and dispute again. Try to dispute them for a different reason than the first time. If they reverify, write a letter and demand they give you the contact information of the person that verified the late pays and they method they used to verify them. Try to sound forcefull in your letter. They might see you as a growing problem and delete your lates. Definitely worth a shot.
If this turns out to be another dead end dont worry. Whether you keep your discover account or dont it will not reach charge off status or "closed by credit grantor". So you could wait a year or two and then run out some more disputes. Chances are they wont want to verify a late pay that is ancient.
I hope this helps and I wish you the best of luck. Please drop me an email from time to time and tell me your progress as I will be going through the same @!#$ in about a month.
I paid off the account in full a couple months ago. Just curious, why are you waiting 30 more days to dispute and will your dispute be with Discover or the bureaus?
I wait 90 days between disputes. Any sooner and the bureaus will most likely trash your disputes. I will dispute with the bureaus first.
You should write Discover. They have a specific department and mailing address that deals with credit reporting.
P.O. Box 15316
Wilmington, DE 19850-5316
Be sure to include your name, address, home telephone number and account number as well as your social.
Thank you very much JP. I think thats what I'll do.