Hi all, i am trying to get some information so i can get my report cleared up. On May 13 I ordered a report from Equifax, some things on there just are not right, like wrong dates for acct's opening and things like that. Wrong by 9 years I might add. How can I get things off, where do I start, I printed the validation page, and have read it over. I have no idea what my credit scores are at this point, my report didn't include it. I also have no way to pull other reports as i do not have a credit card or bank accout. I did apply for a card last week, hoping we get it, then I can order the other reports. Anyway, Should I start with the disputes through the credit bureaus, or through the collection agencies, or do i bypass the agencies and go straight to the creditors? Can someone hold my hand through this please? We want to sell our mobile home and buy a house, but there is no way with the way my report looks right now, Gotta get some of this off, I have a Van that was repo'd in 1996, that was reported again 3/03, and as a charge off. Have a foreclosure from June 1998 that was last reported Nov 1998. The rest are old utilities as well as madical collections. HELP
1. I believe you can order your reports thru the mail from TU and EX, enclosing a check. I would call and double check that though. 2. Who is reporting the van? The original creditor (OC), or the collection agency (CA)? 3. Most of us find that we have to dispute with the CRA's and then do some leg work with some OC's. What state are you in? Do you owe a deficiency balance on the foreclosure? 4. My suggestion would be to go ahead and order your other two reports thru the mail. A mortgage company is going to look at all 3, and it is much easier to "work" them together rather than one at a time. We will be glad to help you, but while you are waiting for the other two reports to arrive, you should read the INTRO threads at the top of the board. You will probably need to read them several times to absorb the information. You need to understand what to do, when, how, and why you are doing it, so you do not sabotage your own efforts. Also, start following the posts on the board that interest you. Watching the rest of us struggle will help you to understand the "biz" as well. Good luck, and welcome to the board!
I was able to pull the other 2 reports last night, Turns out you can get your report online free if you have been turned down for a loan or credit in the last 60 days. Then I was up until 4 am going through it. Hubby's looks good, only 6 derogs, mine on the other hand has 21 derogs. Time for major cleanups. The foreclosure is due to come off in August of this year, Bankruptcy comes off Feb 2004, and Judgement that was filed from GMAC after the bankruptcy was filed comes off March 2004. The van in question is showing from Original Creditor and not reported on the 2 new reports, I had disputed it with Equifax, so not sure what happened there, lucky I guess. Anything else like isaid before is medical and utilities. HELP.
Hi all, i am trying to get some information so i can get my report cleared up. On May 13 I ordered a report from Equifax, some things on there just are not right, like wrong dates for acct's opening and things like that. Wrong by 9 years I might add. How can I get things off, where do I start, I printed the validation page, and have read it over. I have no idea what my credit scores are at this point, my report didn't include it. I also have no way to pull other reports as i do not have a credit card or bank accout. I did apply for a card last week, hoping we get it, then I can order the other reports. Anyway, Should I start with the disputes through the credit bureaus, or through the collection agencies, or do i bypass the agencies and go straight to the creditors? Can someone hold my hand through this please? We want to sell our mobile home and buy a house, but there is no way with the way my report looks right now, Gotta get some of this off, I have a Van that was repo'd in 1996, that was reported again 3/03, and as a charge off. Have a foreclosure from June 1998 that was last reported Nov 1998. The rest are old utilities as well as madical collections. HELP leeanninfl ================== Bump. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
