Separate names with a comma.
Discussion in 'Credit Talk' started by becky20, Aug 11, 2003.
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Many of the credit counseling companies make a deal that they remove it. I guess yours didn't. You could start by asking them if they could help. But at this point it's probably a long shot.
I think the credit cards may be easier, especially if they're closed and you've moved. Dispute all your old addresses first, then dispute the late accounts.
Do a lot of research and reading here on this board.
You might want to look at the goodwill letters. If you have accounts that you have kept and brought current, they might take some lates off as a goodwill gesture.
Others may have better ideas, so I'll leave more thoughts to them.
"THEY" know that CCCS is bad for consumers and MESS THEM UP ROYALLY...I would write a nice (GOOD WILL) letter to each one and ask that they report PAID/NEVER LATE BALANCE $0 "ACCOUNT CLOSED BY CONSUMER"
ALL THEY COULD DO IS SAY NO
Do you feel I'm better off writing them and asking them to report that way as opposed to disputing them? Also, some (most) of them have lates attached to them as well. Does that still make a goodwill letter the best way to go?
Do I dispute the old addresses and the lates as well as the Partial Payment/Credit Counseling at the same time for each account (doing at max 4 so I don't get flagged as frivilous)?
Also, since the last late was sometime in mid/late 1999, how long typically do credit card companies keep the "proof" that I was late and when does it normally drop out of the system which makes it harder for them to verify???
Thanks for all your advice!
This brings up another question - if I ask for a goodwill adjustment FIRST, and get denied, does it make it easier for them to verify if I then dispute thru the credit reporting agency??? Does it put my account on a different status for recent activity (them looking in their computer for my information)?
Dispute your addresses first. When they're removed, dispute the accounts with the CRAs. They may be old enough to not be verified.
Do all of the addresses together, then do three or four accounts at a time.
After that, if they aren't deleted, try the goodwill letter.
Thanks for the advice - I will do as you suggest!