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Discussion in 'Credit Talk' started by Sandra, May 1, 2000.
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Try disputing the item with the the credit bureaus that list it. Find some aspect of it that is innacurate, etc. They will remove it if the credit doesn't respond with a "reasonable period" usally 30 days. There are books that are filled with ideas on credit repair. Suggest you read up before trying any more disputes. You don't want them to consider your dispute frivilous.
Mind you, I'm not an expert here, but I am learning. Also, a friend of mine once used a credit repair service and, within two years, went from terrible (BK etc) to very good. They got it all removed. I am on the fence as to whether I'd use such a service.
I work for a collection company, and the 30 day clock starts ticking from the date they received the letter (as noted on the return receipt all of us smart debtors put when corresponding with collection agencies and the CBs). Good luck!