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Barefootsies · 10-03-2007, 06:31 AM

I just finished with all this bullshit over the past year. It ended up raising my CS 150 points.

It's a LONG, TEDIOUS process.

Those credit fix up companies are scams. If you do not believe it, check the FSC.gov website. They will confirm it for you.

You have to write to all three. Transunion, and Experian you can do online. It will take more than 30 days chief. So don't buy into anyone who tells you otherwise, especially with that many you need to address.

My advise is this, and it comes from experience. Dispute everything. Even your good debt. The reason is that while some do report monthly, others do not. So you get your 'default' ok/unknown. When you dispute even your good stuff.. credit cards, car payments, they actually confirm you are doing your payments. I did this, and had a 40+ point in credit score.

Also, even if you do it online, those that are more complicated will need a letter. You may get some off with a simple one liner that online disputes give you. Others will require a detailed explaination.

The other poster was correct. If you dispute something, and the company doesn't answer in 30 days, it's removed. But they do have the option to put it back on. So make sure you deal with it.

Lastly, any company you pay off for outstanding debts, make sure you have all your receipts, and once you make the payment. You need to send confirmation to all bureaus. A lot of these collection bureaus will not report you paid. They are about fucking up your credit, not fixing it.

Oh, one more thing. Make sure you have a copy of your credit report. You can get them from truecredit.com, myfico.com or directly from the credit bureaus. When doing your disputes, and sending your letters. Make sure that whatever you are complaining about shows on their report. If it doesn't. you will NOT want to report it.

Some companies only fuck up your shit on one, or two bureaus. You do not want to report more debt.

Good luck!

10-03-2007, 06:31 AM
Barefootsies Choice is an Illusion Industry Role: Join Date: Feb 2005 Location: Land of Obama Posts: 42,635	I just finished with all this bullshit over the past year. It ended up raising my CS 150 points. It's a LONG, TEDIOUS process. Those credit fix up companies are scams. If you do not believe it, check the FSC.gov website. They will confirm it for you. You have to write to all three. Transunion, and Experian you can do online. It will take more than 30 days chief. So don't buy into anyone who tells you otherwise, especially with that many you need to address. My advise is this, and it comes from experience. Dispute everything. Even your good debt. The reason is that while some do report monthly, others do not. So you get your 'default' ok/unknown. When you dispute even your good stuff.. credit cards, car payments, they actually confirm you are doing your payments. I did this, and had a 40+ point in credit score. Also, even if you do it online, those that are more complicated will need a letter. You may get some off with a simple one liner that online disputes give you. Others will require a detailed explaination. The other poster was correct. If you dispute something, and the company doesn't answer in 30 days, it's removed. But they do have the option to put it back on. So make sure you deal with it. Lastly, any company you pay off for outstanding debts, make sure you have all your receipts, and once you make the payment. You need to send confirmation to all bureaus. A lot of these collection bureaus will not report you paid. They are about fucking up your credit, not fixing it. Oh, one more thing. Make sure you have a copy of your credit report. You can get them from truecredit.com, myfico.com or directly from the credit bureaus. When doing your disputes, and sending your letters. Make sure that whatever you are complaining about shows on their report. If it doesn't. you will NOT want to report it. Some companies only fuck up your shit on one, or two bureaus. You do not want to report more debt. Good luck! __________________ Should You Email Your Members? Link1 \| Link2 \| Link3 Enough Said. "Would you rather live like a king for a year or like a prince forever?"