vectorz Posted January 31, 2007 Report Share Posted January 31, 2007 I filed for CH7 back in 2000. Since then, I signed up for Lexington Law and it took a few years but they cleared up all but 2 items.1. car loan - ame r i credit ( TRANSUNION & EXPERIAN ) a) this car loan was obtained prior to the bk and was massive 21% and yet i kept it even after the bk and paid for it 100% no lates ever. Even so, it's showing up as discharged in BK and is stubborn, wont' go away. I had a 2nd car loan for a diff vehicle with this same company at also a massive 21% but yet i also paid that off in full never any lates. THIS record does NOT show up at all on my credit report, so i'm not getting the good credit history 2. public notice - ch7 bk (EXPERIAN ONLY)With the above said, I imagine the best approach is to tackle #1 first before I can get rid of #2.I disputed #1 with both CRs, and they came back as 'verified'. I called them and they said was verified 'electronically'. I'm not sure what's the next step. Do I write a letter directly to the original creditor? If possible, I'd like to maneuver myself so that I'm disputing the 1A) issue with recourse to later force the CR to post the good payment history for 1B) so that I can take credit for my well deserved payemnts (at a massive 21% interest).If it's unavoidable and much easier to just get rid of 1A) without the ability to bring 1B) back into my credit report, that's fine too. I'm hoping you experts will give me the best path.Since I'm so close to the finish line, I wouldn't mind at all paying a pro to do this for me if they're fairly confident they can take care of it within a few months. Please provide any referrals for Los Angeles or Orange County.Thanks in advance! Link to comment Share on other sites More sharing options...
willingtocope Posted January 31, 2007 Report Share Posted January 31, 2007 Techincally, the first car should show IIB. It was. The fact that you continued to pay on it, and paid it off doesn't change that.The only other thing you could try would be a "goodwill" letter to the people who held the car note. Explain that you paid them, and even did business with them again, and you're trying to get a house (or whatever) and would really appreciate it if the would remove themselves from your report.Worth a try... Link to comment Share on other sites More sharing options...
thomassl Posted January 31, 2007 Report Share Posted January 31, 2007 It is my understanding that not all creditors report to the credit bureaus. Usually this is something you find out about prior to purchase. I agree that a "goodwill letter" will be the best recourse as if they don't report, they are not forced to do so. Link to comment Share on other sites More sharing options...
PeteDude Posted January 31, 2007 Report Share Posted January 31, 2007 I filed for CH7 back in 2000. Since then, I signed up for Lexington Law and it took a few years but they cleared up all but 2 items.Since I'm so close to the finish line, I wouldn't mind at all paying a pro to do this for me if they're fairly confident they can take care of it within a few months. Please provide any referrals for Los Angeles or Orange County.Obviously, you spent a bit on Lexington Law-- but did you try using Centurion? They're based out of LA County, and they were helpful in my first 100 or so points before I took over the process. Their being California-based might be of value to you. www.yourcreditattorney.com Link to comment Share on other sites More sharing options...
vectorz Posted January 31, 2007 Author Report Share Posted January 31, 2007 Thanks guys, I'll look into all of the suggestions. Link to comment Share on other sites More sharing options...
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