Hello! I am trying to remove this report from my CR. Its a settlement from the CA "Superior Asset Management". Details: -Settled for $200 in December of 06 -Original bal was $359 from TMOBILE How can I get rid of this? I really highly doubt a GW letter will work. These guys are very VERY shady. It took me forever to get their address. I kept getting hung up on. I was thinking about maybe sending a nutcase letter? Any ideas would be fantastic! Thanks!
Dispute it as "not mine". While the CRA "investigates", it will fall off your CR. Chances are it will never go back on again.
I can simply dispute it as not mine even though I settled with them? Is there a standard letter for this, or do you simply state that the debt is not mine on my CR? Isnt this fraud? You guys know waaaay more than I do I am just very curious about this. Thanks!!
By using the TransUnion Online Investigation Service, you certify that you understand and agree to the following conditions: 1. All information you provide in your request for investigation or change of information is accurate and true. If they didn't agree in writing to remove the account, then there isn't much you can do.
"not mine" was formerly fairly useful as a way to get something off the credit report. There have been rumblings recently that it's better to skip that one these days unless it really isn't yours. So pick some other aspect of the TL and dispute it. If it doesn't drop, wait 90 days and try disputing another aspect. Repeat until it drops. CAs don't keep at it forever. As for it being fraud ... lots of people would be prosecuted if credit repair was fraud. Technically, if you did it with the present intention to apply for a mortgage that you would not had gotten without having cleaned the TL off your reports, it could be fraudulent concealment. But the FBI is flat out telling anybody who's listening that they are not pursuing mortgage fraud for land (slipping unqualified buyers into houses) only mortgage fraud for money (duping lenders into lending based on inflated appraisals, then skipping with the money and leaving the lender with the properties). And the fraud for land that's actually provable really is only that fraud that uses phony pay stubs. A case based on credit repair would be a tough sell to a jury.
Great help! Thanks! Good point about the credit repair fraud. I will keep at it (sending letters) until something gives, and it wont be me. Thanks again.
