Quote:
Originally posted by adrenalinedef
I have a few things on my credit report that shouldn't be on there. I know I can just write a letter to the 3 credit companies and dispute the charges, but is there a professional company that I can hire to fix my credit report? I did a search on Google and found a few places, but I dont know if I should trust them or not, because I feel kinda scared giving my social security number out. Any info would help me alot. Thanks!
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I'd say do it yourself - you're sure of who has your file & where they are at in updating it + it won't cost you money.
Get a copy of your report - if you've paid off whatever is put there as a dispute, get a letter that states that the account was closed and paid in full *acquitted* - if it's stuff that's older than 7 years, it shouldn't be there any longer - if it's stuff that you never applied for you need a copy of a police report that it is fraud. Then contact all the credit bureaus with a letter requesting them to rectify the errors & within the next month & to send you a copy of a new credit report with adjusted scores.
I hope that helps!