to roni:

Discussion in 'Credit Talk' started by Ender, Feb 28, 2001.

  1. Ender

    Ender Well-Known Member

    Hi Roni, I wanted to quote you on this post and had a few questions..

    When the rep looked at your report, can they see how many deletions or corrections they have done in the past? how long do u think this stays on there so they have a trail?

    As for my Experian.. i just sent my firstdispute with 10 different variations of my names, 9 vcariations of addresses, 2 collection accounts, and 1 creditor all as "not mine". How successful do u think this will be?

    Question #2 - is this the correct order i should dispute items on my report?
    a) all settled judgements as not mine
    b) all collection accounts as not mine
    c) dispute "never late" on creditors that list me as chargeoff and 30-60-90 day lates? Is it possible to change all the late days listed, around 8 of them.. as well as a charge off all to "pays as agreed, never late" or is it better to contest as "not mine" ?

    Thanks for any help...

    I had similiar success with experian. Experian was my absolute report at first and now it is my best. I had several deletions with experian. Infact, one day when I spoke with a rep there, she looked over my file and laughed about the number of deletions I had. I said to her arrogantly, "Yes, you guys really had alot of mistakes on my report". Heehee.

    As for me, Experian (get this) actually changed my 9 defaulted student loans to "paid never late". I absolutely LOVE that. They deleted all my collections. The only thing I have on Experian is the 2 citibank student loans and 1 discover.

    BTW: Cindy, have you had any luck getting Citibank student loans off your report.

  2. roni

    roni Well-Known Member

    I am not sure how she knew, but she told me the exact number of disputes I had sent in. That is scary, but at least we know that they can tell this.

    I think everything that you have suggested is possible to accomplish but it will take 6 months to a year to do it all. You have to be patient. The first time disputing not everything will come off and you will have to try again in a few months.

    Lates are not my speciality. I had student loan late removed by bugging the heck out of the creditor. Five phone calls later and 3 supervisors...poof 11 60 days late were gone. But like I said 100 times before patience and persistence is the key. While you are being patient deleting and disputing, you should simultaneously building and reestablishing credit.

    I think your first dispute was fine, except I would have disputing the names and addresses separately. Try to limit your letters. Somebody has to read these things and you want to make it as easy as possible for them.
    I hope this helps.

  3. Ender

    Ender Well-Known Member

    That makes sense for the letters and such. Regarding the disputes for late pays though.. were you actually late? And if you were, what were your arguments to the creditor?

    In my situation.. I have late pays, about 5+ listed on each account.. then chargeoffs. Is it better to dispute these as never late and never charged off or "not mine" ?? Even if i dispute never late to the CRA, will the whole line be removed?

    My original question is how did you convince the original creditor you were never late?

    I am currently rebuilding credit as well.. however, I am now in the position to pay off all my student loans within the next 4 months (about $9K).. should I do this or continue making payments until the end of the year? Which would reflect better on my CR? Thanks again..
  4. roni

    roni Well-Known Member

    In my case, it was student loans and I argued over a technicality.

    I was not late because my loans should not have been in repayment at the time they were reporting them.

    It is very difficult to remove lates from credit card companies. I really dont know what to tell you.


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