elephant

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About elephant

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  1. Thank you for answering. So as I understand I have no basis to ask for debt validation in the first place. What about pay for delete then? Do I have any real chances?
  2. So the 2 charge offs are both from July 2016. The 2 paid off accounts are June 2014 and November 2017. I see what you mean, do you advise staying quiet until the SOL passes in July 2020? My basis for my dispute is only to remove them from the report, doesn't seem like there any other discrepencies with these items.
  3. Hi everybody, I just got my husband's credit report yesterday and I'm super motivated to finally improve his credit. Upon investigating the report, I discoved 4 negative accounts with First Premier Bank. Two of the 4 accounts show as paid off and closed, but two show charge offs. Just to give you an idea, the two charge offs are both around $400. They are scheduled to continue until 2022 and 2023 so I definitely want to get that taken care of before. So my question to you is what is the best way to proceed with disputing? My ideas so far: 1) Option 1, starting with a classic debt val
  4. I want to repair my husband's credit but I can't get started because Annual Credit Report won't send me his credit report. So 1/4/2018 I ordered it by mail, attached a copy of his driver's license and a copy of a bill just to be safe they have an address proof. Since then nothing, nobody ever got back to me and I have solely used the discover credit tracking. Fast forward 2019, I try to order his report again this time by phone since mail was unsuccesful. It has been more than 15 days and I got nothing again. Sent them a complaint through their online system and surprise, nobody has