Hi- Question- What has been your experience for have negative items removed from EQUIFAX. I have a very bad late pay on an account that would really help me if it is removed. I have disputed it a thousand times, but to no avail. So now I am going to do it in writing, what has been some of your experiences on having things removed via web disputes or writing. I have found some letters that the PBM has posted here, think they will help ? Thanks Keisha "Waking up from a credit nightmare"
No, I do not think they will help you. When you have a difficult situation like you seem to have it is almost certain that the way to get it off is with a concentrated and well planned attack on the creditor or collection agency, not the credit bureaus. Even that may not help, although I have yet to see a case where it didn't if properly done.
