is it truth that I can clean my credit report in 30 days? those dispute letters work? any sugestion?
is it legal to freeze my credit report? or can I change my SS number in order to start a new credit report file? I would really like to know what are my options.
Thanks for your help!
you can remove negitive info that is incorrect. there is a chance to remove legitamte info if the creditor does not respond. you should negotiat payoffs and in that negotiation for a positive report to be made to bureas.
it takes more like 90 days the 30 day thing is a quick fix that may in the end simply reafirm debt
This e-book will help you understand your credit file, score and most importantly show you how to raise your score by "fixing" errors. the process is 3 steps and will take 60-90 days and you may have items removed and or payed off for far less than you thought. then you may be eligable for a credit card, car loan, or mortgage. estimated 70 percent of reports contain errors that might cause consumers to be denied credit. Fair Credit Reporting Act requires credit-reporting agencies to fix these mistakes.
how to get free reports, negoiate debt pay off and understand credit myths. all links included , sample letters, lots of good information.
http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html
Filed under: Clean Credit Report
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see what these people have to say
http://andycaine.approval4u.hop.clickbank.net
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No you can not clean your credit report in thirty days. Nor can you freeze a credit report or change your social security number to start a new credit file (witness protection not included) Dispute letters do work if you disputing something you can legitimately dispute. See a credit counselor who can review your credit report with you and advise you on what to do.
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it’s what I do.
Take a look at this site and it’s various responses to your request. If anything can help this one can.
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http://allsolutionsnetwork.com/RW/RW30292
Everything you mention is just plain impossible, and not even realistic if it were. If a dispute is sent to a credit bureau they have 30 days to investigate and attempt to verify the accuracy of the item being disputed. If they fail to verify it within that time then they have to remove it from your credit file. All of this will take longer than 30 days, so under the best of circumstances if every disputed item could not be verified you still wouldn’t make it.
How would you propose to "freeze" your credit report? There is no such thing. Information from creditors is updated monthly, and nobody is about to freeze anything. False Social Security numbers are just plain fraud. You don’t want to go that route.
There is a method you can use that may work to get even legitimate negative items off your credit report. I know this works because I have done it. If you ask a credit bureau how to get legitimate negative items off your credit report they will tell you it cannot be done, but they are wrong. I’ve done it.
What you do it to send a handwritten letter to the credit bureau (Experian, Equifax, or Trans Union) where the negative item shows up, and state quite bluntly that the negative item is not yours, it must belong to someone else with the same name, that you have never been involved with whatever it is, that this error is damaging your credit and you want it removed immediately. They will have to investigate it, and if they can’t get it verified, they will have to remove it. This might not work the first time, and it may take several attempts over a few months or even a year to get it off. But if you keep sending dispute letters sooner or later someone will not make the deadline, and off it comes. Just keep in mind that this is not a 30-day process at all, and it could even take a couple of years. I did this and over time negative items would disappear one by one.
This is not a question of disputing errors. This is a matter of getting legitimate black marks off. Send enough dispute letters and eventually these things will go away… maybe.
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No animals were harmed in the answering of this question. Any similarity with any person, living or dead, is purely coincidental and unintended.
are you on drugs or what? pay your bills man
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It cracks me up the people who suggest to people with credit problems to pay their bills. I guess you have never had any hardships in life. I hope you don’t, you would not know how to handle them.
One more thing if you had a bill sent to you and it was not your bill would you pay it? So why is it wrong to dispute wrong entries on your credit report???
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you can remove negitive info that is incorrect. there is a chance to remove legitamte info if the creditor does not respond. you should negotiat payoffs and in that negotiation for a positive report to be made to bureas.
it takes more like 90 days the 30 day thing is a quick fix that may in the end simply reafirm debt
This e-book will help you understand your credit file, score and most importantly show you how to raise your score by "fixing" errors. the process is 3 steps and will take 60-90 days and you may have items removed and or payed off for far less than you thought. then you may be eligable for a credit card, car loan, or mortgage. estimated 70 percent of reports contain errors that might cause consumers to be denied credit. Fair Credit Reporting Act requires credit-reporting agencies to fix these mistakes.
how to get free reports, negoiate debt pay off and understand credit myths. all links included , sample letters, lots of good information.
http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html
References :
Yes you can can dispute accounts and that helps you clear your credit of deragatory information, but you are not able to get a new social security number, or freeze your report. I have worked with a credit company. So I am familiar with the consumer protection laws. If you have any questions or need any help in the future e-mail me at loancreditsolutions@yahoo.com
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1. It will take more than 30 days to clear up your credit.
2. Some states have laws which allow you to have more control over when your credit report is pulled this is refereed to as freezing your report. However, you will have to allow potential creditors to view it along with potential employers and others that require viewing it before doing business with you.
3. You cannot change your SSN.
Now For the good news:
1.You can work at clearing your credit and do it yourself I recommend you purchase an inexpensive credit repair kit. You can find them at office supply stores along with self help wills and other self help legal forms. Also, you can find them on-line. These have easy to follow instructions are informative and include form letters you can personalize for your use.
2. There are better sources of information then we here go to the FTC consumer web site.
3. Dispute procedures are helpful when done lawfully. The FTC site and the credit repair kits will help with this.
4. You have the right to add remarks to your credit report. See FTC site for details
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http://www.ftc.gov/bcp/conline/edcams/credit/index.html
http://domsfrontporch.blogspot.com/2006/05/just-browsed-neighborhood-and-found.html
No. They are scams. If you owe the debt and cannot pay, file bankrupt as a last resort. Try credit counseling first. I would suggest that you listen to Suzi Orman. You can email her and she will answer your questions and tell you what you need to do. She is taking live calls on June 3rd…….. http://www.suzeorman.com/index.cfm
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