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onelove

Credit repair/dispute

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Hello guys,

I am searching for the best way to go about disputing collections and charged off accounts on my report. I have been sending out a letter to the credit bureaus but nothing

ever got Deleted. Always come back as verified or updated. Can you guys share with me some effective ways to dispute.

I need to improve my scores witch are in mid 500s. Please help.

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1 hour ago, onelove said:

Can you guys share with me some effective ways to dispute.

There is no magic method to remove accurate information.  You have already disputed once too.  The bureaus are not required to keep investigating absent some compelling new information.  

1 hour ago, onelove said:

I need to improve my scores witch are in mid 500s.

If you manage your debt your score will improve.  

Based on your other threads you have bigger problems than your credit score with at least one lawsuit under way and potentially others to follow.  Sending in frivolous disputes now could escalate the speed at which they file their own lawsuits.

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18 hours ago, onelove said:

Hello guys,

I am searching for the best way to go about disputing collections and charged off accounts on my report. I have been sending out a letter to the credit bureaus but nothing

ever got Deleted. Always come back as verified or updated. Can you guys share with me some effective ways to dispute.

I need to improve my scores witch are in mid 500s. Please help.

The answer varies widely based on what type, age and various other factors of the bad TLs.  If there are balances still allegedly owed and they are within the statute of limitations to sue, you would have to proceed with the knowledge that they may sue or counter sue if you try aggressive credit repair.

I have used aggressive credit repair methods previously by utilizing the arbitration clauses in most credit card and loan agreements, but even that is not an over night process. It can take over a year (or two) to clear things up.

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On 2/18/2019 at 10:27 AM, fisthardcheese said:

The answer varies widely based on what type, age and various other factors of the bad TLs.  If there are balances still allegedly owed and they are within the statute of limitations to sue, you would have to proceed with the knowledge that they may sue or counter sue if you try aggressive credit repair.

I have used aggressive credit repair methods previously by utilizing the arbitration clauses in most credit card and loan agreements, but even that is not an over night process. It can take over a year (or two) to clear things up.

Could you please tell me more about those aggressive repair methods?

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On 3/13/2019 at 1:01 PM, onelove said:

utilizing the arbitration clauses in most credit card and loan agreements, but even that is not an over night process. It can take over a year (or two) to clear things up.

^^ Or by suing.

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