Credit dispute?
Has anyone been sucessful in having negetive items removed from their credit report by disputing the items with transunion, even if those items are actually correct but you just wanted to try to get them removed?
Public Comments
- I have disputed many items on my credit reports that were false. Usually you have to write letters to each bureau explaining the item and if you have proof that it has been satisfied or that it it is not yours they will correct it. I have been successfull with all three bureaus and I check my report once a year for free. If you go to www.annualcreditreport.com, you can get your reports from TransUnion, Equifax and Experian.
- if the items are valid, you cannot dispute them
- to some extent yes
- Nope not unless they are 7 years or older. Despite what people tell you and what those "credit repair" agencies tell you, you can't remove negative items from your credit report if they are actually correct.
- This is what the Fair Credit Report Act calls frivolous disputes. Please note that after your feeble 3rd attempt to get accurate information removed, they have legal rights to ignore your trifling behind. No, I am not kidding. Good luck in "pimping" the system. Pimping ain't easy.
- Yes you can. Credit bureaus write letters to the creditors about your dispute. They have to answer in certain period fo time, if they don't answer your item is removed. I have done it personally twice and it worked. Good Luck!
- Go here: http://www.creditinfocenter.com/forms/sampleletter9.shtml What this is is a site that helps you write a letter to the creditors on your credit report. I disputed a few of mine this way. Basically what this states is if they can't prove to you that you owe the debt within 30 days BY LAW (FRCA Fair Reporting Credit Act) they have to remove it from your report. I know it wasn't fair but there was a debt recently put on my credit from 3 years ago. I knew I owed it but it has been 3 years and I haven't received any statements from company. So I disputed the creditor (debt collection company). They failed to prove debt. They were taken off credit report. If you were to send out letter, make sure you send it with tracking, this way you know when the 30 days is up. By law if they don't prove to you then they have to take off credit report. If they tried but the credit agencies won't take off then you can sue them because that is against the law. Look it up!
