CreditFixerUpper Posted September 29, 2007 Report Share Posted September 29, 2007 Hello all,This is my first post. I'm hoping to become hopelessly addicted to fixing my credit. I have 9 negative items on my report (I know thats a lot) but I've started.I disputed 8 of them. Some are very old but keep getting renewed by collectors. I'm hoping to get some of these off. The Statute of limitations has run on about all of them. Some have been settled or paid but remain on (i want those off too).I hope I took the correct first steps. My question for today is...If something is settled or paid off like a revolving debt or a mortgage. Can you get that off before the time for it to fall off? I disputed stuff that says its about to come off in 2008 because I need it off now. In hopes that no one will contest it and it can come off.Am I headed in the right direction? Should I be doing anything else?Thanks in Advance Link to comment Share on other sites More sharing options...
whocares Posted September 30, 2007 Report Share Posted September 30, 2007 Did you dispute online or thru the mail?Yes you can get things removed before their time...most of us have.Read everything you can on the siteGet started by pulling all your reports and study them and make a plan of attack...when you get results keep them...Good Luck Link to comment Share on other sites More sharing options...
CreditFixerUpper Posted September 30, 2007 Author Report Share Posted September 30, 2007 I disputed online. I pulled reports but Experian is my main focus right now. The info is overwhelming for now. But I guess I will get a handle on it. Link to comment Share on other sites More sharing options...
ribbit1072 Posted September 30, 2007 Report Share Posted September 30, 2007 I know it seems totally overwhelming, but 9 isn't all that many, I know it seems like a mountain though. Just read this board until your eyes hurt and you're falling asleep at the computer. ( I still do). And don't give up, just keep reading and working on it and you will be soooo happy you did! And by the way, Link to comment Share on other sites More sharing options...
Fizzle1979 Posted September 30, 2007 Report Share Posted September 30, 2007 Good luck on your credit repair journey! Link to comment Share on other sites More sharing options...
CreditFixerUpper Posted September 30, 2007 Author Report Share Posted September 30, 2007 Thanks for all the encouragement...I did online disputes on Saturday night and will send out DVs to collection Agencies on Monday....I think this is the correct next step.Still confused about soft & hard inquiries and getting them off through "bumping" or other methods.Do each of the 3 reporting agencies offer tracking like TrueCredit? or do I just sign up with all 3? Is there a difference about how manytimes you can check your credit depending on how you sign up? What triggers an inquiry? I'm signed up with Experian right now. So are you saying that everytime I log in and check my report thats an inquiry?Thanks Link to comment Share on other sites More sharing options...
miracle Posted September 30, 2007 Report Share Posted September 30, 2007 Welcome! Looks like you are getting great advice thus far!! Good luck! Link to comment Share on other sites More sharing options...
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