
Negative credit item reported as verified from one bureau but deleted from another. Can this be fixed?
I disputed a negative item on my credit report that should be removed due to 7 year limit. One bureau showed the item should come off in July 2007, but another bureau states it is scheduled to be removed in Nov 2007. I received my results, and am not happy. One bureau removed the item from my report as expected (the one stating July 2007 as the removal date). The other bureau however took 6 days to respond with "Account verified. Scheduled to be removed Nov 2007). How can this be?? I tried redisputing it again claiming one bureau removed it, but I can no longer dispute this item online. Do I have any options to actually have this removed? I fear contacting the original creditor claiming it was removed from bureau #1, but not bureau #2 and have them just re-add it back to bureau #1. Please advise! Thank you in advance.
Public Comments
- Send one the others delete letter, and sometimes that will work because they all have different information. That is just about your only option, and there is not much more that you can do.
- Send them a letter. State that their incorrect information is preventing you from getting a mortgage and you plan to have your attorney contact them if they don't fix it. It worked for me. Don't mention the other bureau.
- It depends on when the bureau recieved it. one was july the other nov.
- Yes, but you will need help. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.
Powered by Yahoo! Answers