Quote:
Originally posted by TopBucksTrixxxia
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!
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Thanks, well one of my main problems is this: I just got a mortgage and a car loan in the same month. Both my mortgage and the auto shop must of searched 20+ banks before they got my loan. So I have about 20+ hits on my credit report of banks looking at my report which lowered the score alot. Is it possible to get all that off of there?