miscusi

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About miscusi

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  1. Hello, It is amazing how the three CRA's work so differently. I got everything off of TU while Experian only removed 2 neg. and won't budge on 8 others. EQ is in the middle. I followed the procedure for debt validation and ended up contacting EX. after not hearing back from the original creditors. They told me, that it is my word that they didn't validate the debt and even though I had certified letters and perfect records it didn't matter and the negs. still stay. What can be done if anything to go further before it is lawsuit filing time? Anyone have any Experian secrets because they are
  2. I have a chapter 7 on my credit reports that is going to expire in about a year and a half in march '09. I have been disputing it but they havent been deleted yet. I would like to purchase a home before then and was wondering if decent mortgages are still available to me since it was so long ago and is almost expired? (Just in case I cant get it deleted) I also have some other negatives and inquries that havent been deleted that are over 4 years old so I guess this question would apply to them too? I really found a great place and want to make sure I can get it. BTW, my scores are around
  3. I have a chapter 7 on my credit reports that is going to expire in about a year and a half in march '09. I have been disputing it but they havent been deleted yet. I would like to purchase a home before then and was wondering if decent mortgages are still available to me since it was so long ago and is almost expired? (Just in case I cant get it deleted) I also have some other negatives and inquries that havent been deleted that are over 4 years old so I guess this question would apply to them too? I really found a great place and want to make sure I can get it. BTW, my scores are around
  4. :pThanks. I also was wondering if some lenders only look at one credit score. For example, my TU report is way better than my Exp. Being I noticed most inquries were only on one report or another, is there a chance that if lets say I apply for a mortgage they only see one credit report and not another? If so, which ones onyl look at TU? LOL! I wont give up on the EXp. thing either. I figure if I wait a couple months I can restart the process again...is that a good idea? This website is so helpful!
  5. I have two questions: 1) Over the past 6 months I have been disputing/going through validation/sending follow ups/etc. to the CRA's and OC's. I have been somewhat successful in having many things deleted. Although I seem to get a copy of my credit report every other day and in most cases it is unchanged and a duplicate of the previous one I have received. It states they have investigated things already or doesnt say anything... Is this normal? 2) TU removed almost everything, EQ removed apprx. 50% of negatives so far, but Exp. barely removed a thing, and now keeps sending notice that "they a
  6. I am getting most of the negative items off of my credit report because of everything I have learned from this site. Yeah!!! I have a bankruptcy that will be 10 yrs old and will come off in a little over a year. I was wondering how exactly to remove this earlier if possible. I have seen various viewpoints on this subject. Some saying it can and cant be done. Being I know it is more difficult to remove than regular negatives, I want to get the correct info to do it right. Anyone who knows exactly how to go about it would be great. Thanks in advance!