Here is the skinny...made a bet and I'm losing...the credit repair bet... I NEED HELP PPPPPLLLLLEEEEEAAAAASSSSEEEE!!! OK...STARTED IN JAN 02 DISPUTED 2 ROUNDS... Started with Eq-5 Derogs 3 Collections-547 TU- Same-537 Ex-6 Derogs 3 Collections-569 NOW EQ- 1 Collection (they keep verifying) TU-1 Collection (they keep Verifying) EX- 3 Derogs 1Collection (they keep verifying) SCORES NOW BEACON-611 FAIR ISAAC/EMPIRICA- NO SCORE...SUBJECT DOESN'T HAVE SUFFICIENT CREDIT Ya'll I'm stuck which way do I go...equifax won't delete jack...I've disputed twice and they keep verifying... on the last correspondence they sent me a letter saying that 3 were verified and the others were still under re-investigation...who cares right...they have 30 days...??? YA'LL I NEED HELP...MY FAMILY DEPENDS ON THIS...I'M TIRED OF HER DAD SAYING THAT SHE SHOULD HAVE MARRIED HER HIGH SCHOOL BOYFRIEND...I JUST WANT TO DO MY CREDIT AND THEN WORK ON HERS...I'M TIRED OF HANDOUTS FROM HER DAD...WHEN MR. CORPORATE AMERICA LOOSES HIS JOB...OR GETS DOWNSIZED...I WANT TO BE THERE TO HELP HIS BUTT SO HE WON'T JUMP OUT OF A WINDOW... I ALSO NEED TO KNOW WHAT ACTIONS SHOULD I TAKE TO REBUILD QUICKLY...THANKS YA'LL ...I'M TIRED OF BEING THE "BITCH" OF THE FAMILY!!! LKH tried to give me some advice but I couldn't open your email for some reason...Thanks though...
How old are the remaining derogs? Are they past the SOL? And if not, how much are they for? When disputing with the cra's, you are only going to get a certain % removed that way. I was lucky and got about 85% off that way. With the rest, you need to do something else. To keep disputing will at some point yield no results. That is when you need to one of a couple of things. 1) you can send out validations and let them try to prove it and commit violations in the act which MAY or MAY NOT be enough to coerce them to delete the listings. 2) You can send offers of payment for deletion. Start low and see if the counter or maybe even agree. Any agreements that you may get make sure to get in writing on their letterhead with an authorized signature BEFORE you pay. Also make sure that anything you send them by mail is certified mail with return receipt. Of course there is no guarantee that any of this will work, but when you bump into the wall with deadend cra disputes, you have to try something else. good luck.
Hi Don't give up just yet Have you tried validating the accounts with the CA? I got alot removed by just doing that...If you don't have the CA info I would start by doing the Procudural request to see where or who exactly the CRA goth their info from to verify.Then take it from there...You just never know its a crap shoot. Keep bugging the CA they will eventually delete (make sure the SOL is up first though unless you intend to pay it) If the CA woun't "play" the BBB usually gets there attention.You can be creative. Just today I got an update from equfax who delete something on hubbys that I never thought would come off (it may never come off of Experian but I'll gladly take the deletion from EQuifax. There's always hope. Take a deep breath this isn't the end of the world.. Jamie
credit repair can take a few more letters & months, if you pay debt down scores go up but keep some bal . Also I think you may need more income take few classes to increase your skill.You sound like hard working guy so how can you be A Bit*%! Your Lady loves you ,you don't need her DAD too.
