Hi everyone, I just found this site and it is exactly what I have been looking for. Here is my situation in a nutshell -- I recently sold a condo in New York City and am renting for a while before buying again (before interest rates rise too high). I checked my FICO scores and found that I have a 720 on Experian, 682 on TransUnion and 648 on Equifax. I need to whip my Equifax and TransUnion scores into shape to take advantage of the favorable interest rates! My negatives consist almost entirely of several late payments in early 2002, when I was experiencing some financial problems that have long been resolved. Some are with Sallie Mae (I thought I was in defement, but I guess I was wrong), MBNA Mastercard and a private loan company called American Investment Bank. All of those loans have now been fully repaid and were current for about the last year. A number of my late pays do not even have a date. What is my best approach under these circumstances to bumping my scores up over the next 3 or 4 months? I have signed up with a company called Legacy Legal Services,which I assume sends out dispute letters. Is it more effective for me to do it myself? Thanks for any advice!
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robgold, I went to their site, I think this is the right place anyway: Sign-up form -- http://www.legacylegalservices.com/subpages/sign_up/sign_up_form.htm Home page -- http://www.legacylegalservices.com/ContentFrame-initial.htm CRO federal requirements and required disclosures: http://www.ftc.gov/os/statutes/croa/croa.htm Honestly, you would have more options if you did it yourself, and it looks like save yourself at least 75 bucks a month. The newest amendments to the FCRA makes some of the responsibilities for which individuals can sue to enforce an exception for CRO's. If they can't even give you the required disclosures, meet the minimum requirements, and falsely represent their ability to get resolution from furnishers, I wouldn't go any further -- huge red flags!!!!!! Sassy
