It can be done Living proof

Just a testamant to how well this board has helped me, In 11/2002 my scores were in the LOW 400's with at least 5 derogs of ever sort on each report (I could not even get a target guest card. So i started to dispute, write letters, and send faxes, . As of last week my True Fico was over 700 0 derogs on all reports and i got a Disney Visa , a BOFA Visa and just about any instant credit i want, I did it ALL myself, booted lexington after 1 month (no results).. You can do it,

 

I had several disputes that were verified,, I actually had to call the companies corporate headquarters and Scream, Yell, Threaten To sue, and cite FCRA regulations if they did not let me settle for the full deletion, In one instance my own stupidity allowed an acct to get charged off, with interest and lates, it was over 1000, In order to get it deleted, (it was accurate and truly mine). I had to concoct a good story, and offered to pay the full balance including the interest and late fee's, I know that I should have offered to only pay the balance, but sometimes you have to bite the proverbial bullet, and pay.. But in the long run the extra 4oo dollars in interest and lates , is going to easily be made up in lower CC rates, and Prime cards, instead of fighting over actual amounts for months and not getting it removed, and continuing to have sub prime interestrates. (think about it).. It is safe to assume that with the correct story, (true or maybe just a lil white lie.) and the right amount of money, there is no debt or neg tradeline that cannot get removed. And i was dealing with some of the worst.

 

I used several very creative teqniques, For the Paid charge off's that were older i faxed, and CRRM the Knockout letter, at the same time i disputed it with the CRA, (even the ones who said they would not remove under any circumstances eventually folded). for the unpaid collections I called the original creditor directly and told them a good story, and told them i would pay the FULL charged off amount, even though it cost me a lot in some circumstances. It got the TL deleted. ideally you only want to tackle one unpaid charge off at a time, and save the most stubborn one for last, In my case for the last, most stubborn derog, an unpaid charge off for 100+ dollars, I allowed them to pull my credit report and "look for themselves" to see it must have been their fault my bill did not arrive. they saw that my credit was perfect except for their TL , not knowing i had just cleared several other bad TL's , they finall made me sign a legal release, and allowed me to pay the full amount for a full deletion. I paid the interest and late fee's but like i said earlier it was worth it because i now have better interest rates, and no annual fee's. Just my tactics. maybe not for everybody. but it worked for me, it probably can work for you.

 

I had no positives removed, If they were charged off and unpaid at some point you have to rock up and pay them (if its really yours), you can argue, yell, and validate, and take years to do it, and for years pay sub prime interest rates, and ridicoulous annual fees, or you can accept the fact you may have had CC problems and pay them. and you will find that most derogs will come off, the only advice i can give , is that you can try to get them removed without paying them, but if you truly know that the debt is yours, it will take much much longer to get it removed, and eventually your gonna pay for it one way or another, with high interest, its a hard fact of life, but one i personally had to face...

 

BBaur, thanks to your Knockout letter, that got at least 3 paid collections removed. I just wanted to express my thanks to thepeople who post on a regular basis, because without the letter templates, the procedures for validation, and the goodwill settlement tactics, i would still be paying lexington, or just reaging the old debts. Until i found this board i had basically given up hope. and 4 months later, I am derog free.