Lisa Posted October 16, 2003 Report Share Posted October 16, 2003 Hi everyone. I'm new here and just starting the process of cleaning up both mine and DH's credit reports. So far, I have obtained copies of my credit report from all 3 CRA, and one for DH. Still waiting on the other 2. I have sent my letters to dispute old names and addresses for all of mine and the one I have for DH earlier this week. How long should I wait before starting to dispute items on my credit report now? And, what's the best way to go about starting this? I've been reading the boards and trying to get info. Also, DH and I filed a joint BK in 2001. It was discharged in 01/2002. What is the best way to go about getting this removed from our credit reports? Should I dispute the BK itself first, or dispute with all the creditors first? Should I wait awhile to start this process? DH has 2 accounts showing on his credit report that were actually included in the BK, but that do not show up that way on the credit report. Should I dispute these as "not mine" first?Thanks in advance!Lisa Link to comment Share on other sites More sharing options...
momof5 Posted October 16, 2003 Report Share Posted October 16, 2003 OK. BKs are harder to remove than before. With online legal, they can verify pretty consistently. The only success I have seen is when you delete the address associated with the BK and then dispute it as not mine. If that doesn't work, some have had success disputing as "I never filed a 0 Asset, 0 Liability BK". This works best for TU since they never list the Assets or Liabilities.With all accounts you want to have removed, it is usually best to dispute as "not mine" first. Those that remain should then be evaluated for inaccuracies that you can use to dispute them.Since we are so close to CHOD (Credit Holiday Onslaught of Disputes), you are probably better off waiting until then to send in your disputes and don't forget to send the CRRR! Welcome to the board! Link to comment Share on other sites More sharing options...
Lisa Posted October 16, 2003 Author Report Share Posted October 16, 2003 Thanks for the info. I know that BKs are hard to remove, that's why I wasn't sure how to go about doing that.Any ideas on what I should do with the accounts on DH's CR that aren't showing IIB? Should they be disputed as "not mine" first?Thanks! Link to comment Share on other sites More sharing options...
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