SOme of you may remember me and speigel. THey had listed an account I disputed as not mine for about five months. After trying to reason with them and telling them I want them to validate I began to rack up the violations for a defense. It happend they never reported my account as "consumer disputes". For five months they verified info as accurate. Refuse to discuss taking the account off ( it was a charge off account and the only negative on my report thanks in part to you guys) . Well the attorney called after I filed and they were served, yada yada yada yada...... we have a settlement of deletion and paying all relates fees. about 140.00 dollars As for cmy redit reports: THESE PIPES ARE CLEANNNNNN!!!!!!!!!! seriously thanks guys for all your help, especially my man the lizardking. Keep the community alive guys it works!!!!!!!!!!!!!
Oh yeh I'd like to add, six months ago I head eleven collections a combined 15 late pays and one charge off and one judgment. non are there now and I have A++ credit. Imagine that me who have paid subprime for ten years at least!!! and unable to get any credit . I will work to keep my credit clean and pay my bills on time. It is nice to have a second chance.
It varied. I would ask them to delete. Others I simply disputed and it came off after one or two disputes with the credit bureaus. some agreed to delete based on the fact I said the accounts were not mine even though were paid. More than likely one of these methods will work. If I had to I would use the docs nut case letter but have not had to.