Woooohooooo I had my husband try your method this afternoon for a judgement that was showing on his equifax report. We just recently got a cpy of his report and there was a judgement he knew nothing of. Anyways he is a 2nd and the judgement was not showing the 2nd on his report. So I had him use your method asking if the ss was tied to it. Well of course it was not so after the transferred him to another dept he tells them how he is really concerned that it belongs to another person with his name and that lady at equifax said it will be removed from his report. Thank you!
Thank You DollarBill
Started by
SuperGurl72
, Jan 13 2012 02:07 PM
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This topic is locked
39 replies to this topic
#1
Posted 13 January 2012 - 02:07 PM
#2
Posted 13 January 2012 - 02:24 PM
Woooohooooo I had my husband try your method this afternoon for a judgement that was showing on his equifax report. We just recently got a cpy of his report and there was a judgement he knew nothing of. Anyways he is a 2nd and the judgement was not showing the 2nd on his report. So I had him use your method asking if the ss was tied to it. Well of course it was not so after the transferred him to another dept he tells them how he is really concerned that it belongs to another person with his name and that lady at equifax said it will be removed from his report. Thank you!
Good for you, wrote Macy's and two others a good will letter (of course template received from CB) and they are removing all late information from my three CB's. Thanks again CB!!!
#3
Posted 13 January 2012 - 02:46 PM
im going to hav to try the phone becasue letters and online didnt work for eq
#4
Posted 13 January 2012 - 03:09 PM
I have read many posts that this method works. I however wonder if it would have worked as well if my husband was not a second generation. Regardless of why it worked I am tickled. We still have a long way to go to get our credit where we want I but every little bit helps.
#5
Posted 13 January 2012 - 03:10 PM
I have read many posts that this method works. I however wonder if it would have worked as well if my husband was not a second generation. Regardless of why it worked I am tickled. We still have a long way to go to get our credit where we want it but every little bit helps.
#6
Posted 13 January 2012 - 05:18 PM
I have read many posts that this method works. I however wonder if it would have worked as well if my husband was not a second generation. Regardless of why it worked I am tickled. We still have a long way to go to get our credit where we want it but every little bit helps.
It would work if you're the first, second or third....doesn't matter. If the collection, judgement, tax lien doesn't have your SS# attached to it, then the CRA can't say for sure that it is YOURS. They are required to report ACCURATE information and if your SS# is not attached to whatever is being reported, then how can they possibly know for sure it is YOURS??? They inevitably have to delete it from your file....
Dollar Bill has done us all a HUGE favor by shedding light on this method. I for one have had several deletions from my report and DW has had one also. It's important to just make sure you understand the process before you use it, especially if you're gonna call the CRA on the phone...
THANKS DOLLAR BILL!!!!!!!!
#7
Posted 13 January 2012 - 06:20 PM
I'm so glad I stumbled upon this thread as it came right on time. Congrats on the removals. How can you tell if you have your SSN attached to a judgment? I thought that they always have your SSN attached to them.
I have read many posts that this method works. I however wonder if it would have worked as well if my husband was not a second generation. Regardless of why it worked I am tickled. We still have a long way to go to get our credit where we want it but every little bit helps.
It would work if you're the first, second or third....doesn't matter. If the collection, judgement, tax lien doesn't have your SS# attached to it, then the CRA can't say for sure that it is YOURS. They are required to report ACCURATE information and if your SS# is not attached to whatever is being reported, then how can they possibly know for sure it is YOURS??? They inevitably have to delete it from your file....
Dollar Bill has done us all a HUGE favor by shedding light on this method. I for one have had several deletions from my report and DW has had one also. It's important to just make sure you understand the process before you use it, especially if you're gonna call the CRA on the phone...
THANKS DOLLAR BILL!!!!!!!!
#8
Posted 13 January 2012 - 07:26 PM
There is a huge thread on it but i can not figure out how to link to it from my phone I will see if I can find it and bump it for you.
#9
Posted 13 January 2012 - 07:29 PM
I'm so glad I stumbled upon this thread as it came right on time. Congrats on the removals. How can you tell if you have your SSN attached to a judgment? I thought that they always have your SSN attached to them.
I have read many posts that this method works. I however wonder if it would have worked as well if my husband was not a second generation. Regardless of why it worked I am tickled. We still have a long way to go to get our credit where we want it but every little bit helps.
It would work if you're the first, second or third....doesn't matter. If the collection, judgement, tax lien doesn't have your SS# attached to it, then the CRA can't say for sure that it is YOURS. They are required to report ACCURATE information and if your SS# is not attached to whatever is being reported, then how can they possibly know for sure it is YOURS??? They inevitably have to delete it from your file....
Dollar Bill has done us all a HUGE favor by shedding light on this method. I for one have had several deletions from my report and DW has had one also. It's important to just make sure you understand the process before you use it, especially if you're gonna call the CRA on the phone...
THANKS DOLLAR BILL!!!!!!!!
READ THIS ALL THE WAY THROUGH !!!!
http://creditboards....howtopic=469242
This thread tells you in detail how to dispute using the "Dollar Bill" method....I've used it and have had a tax lien and judgement removed from EQ in 5 days!!!!!
Good Luck!!! If you need help, just let us know....
#10
Posted 15 January 2012 - 01:19 PM
^^Thank you so much for the link. I will definitely be asking questions if need be, lol.
#11
Posted 15 January 2012 - 05:44 PM
^^Thank you so much for the link. I will definitely be asking questions if need be, lol.
Your welcome and good luck!!!!
#12
Posted 16 January 2012 - 10:09 PM
I just disputed a couple of judgements via this method today...hopefully I'll get some good news soon. It took me two tries with TU. The first csr stonewalled me and and said that if I didn't have a specific similar name to give him then all he would do is dispute as "not mine". I called backed later and had a different csr change the dispute to "similar name". EX was a pita! I dealt with two a**hole reps that both told me that the one judgement I was attempting to dispute as similar name had been previously verified and they refused to put in my dispute. The did, however, tell me that my SSN was not tied to it...their mistake. I was just about to delve into a BBB complaint and thought I would give it one last go...and what do you know...the next csr was nice as could be and put in my new "similar name" dispute. Crossing my fingers.
#13
Posted 26 February 2012 - 04:21 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
#14
Posted 26 February 2012 - 04:51 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
Those are easy to get off!
Do I just need to dispute them online? Any idea how negativley something like these might affect my scores?
#15
Posted 26 February 2012 - 10:30 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
Those are easy to get off!
Do I just need to dispute them online? Any idea how negativley something like these might affect my scores?
With EX call to dispute as similar name/similar person, With EQ and TU dispute online choosing the similar name/person option
Regarding how much your score will go up...there's only one way to find out
Make sure you have fico scores before hand so you can compare after cleaning up your report.
Edited by fusioncredit, 26 February 2012 - 10:31 PM.
#16
Posted 27 February 2012 - 11:15 AM
On hold with EX now and am about to try this. I will let you guys know what happens. I am nervous!!!
#17
Posted 27 February 2012 - 11:28 AM
Well the paid collection account I asked about did have my SSN attached to it 
Another note I got 2 variations of my name deleted along with 4 addresses.
Another note I got 2 variations of my name deleted along with 4 addresses.
#18
Posted 27 February 2012 - 01:42 PM
All of these phone calls and online disputes are making me hyper ventilate. If something gets reinserted, you'll have no paper trail.
#19
Posted 27 February 2012 - 03:34 PM
All of these phone calls and online disputes are making me hyper ventilate. If something gets reinserted, you'll have no paper trail.
They said they will email me once the changes have taken effect.
#20
Posted 27 February 2012 - 04:34 PM
All of these phone calls and online disputes are making me hyper ventilate. If something gets reinserted, you'll have no paper trail.
They said they will email me once the changes have taken effect.
But you don't have copies of written disputes...you have no certified mail green cards...
all you have is the CRA's word...yikes.
Maybe I just learned "old school"(or as Lt. VanBuren would say "the right way,") but, IMO all disputes should be in writing, and sent CMRRR. Look, I've been there, I had thirty plus deletions in less than a year, and a fantastic success story to post on CB...and I have FOLDERS full of documentation to back all this up....good thing too...I've needed it a few times. Good luck. YMMV.
Edited by ashlia, 27 February 2012 - 04:36 PM.
#21
Posted 28 February 2012 - 02:18 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
Those are easy to get off!
Do I just need to dispute them online? Any idea how negativley something like these might affect my scores?
With EX call to dispute as similar name/similar person, With EQ and TU dispute online choosing the similar name/person option
Regarding how much your score will go up...there's only one way to find out
Make sure you have fico scores before hand so you can compare after cleaning up your report.
OK...I disputed these online yesterday with all three (EX, EQ, and TU). The TU is already showing as 2 of 3 actions completed (I disputed 3 with TU). Any idea if that is good or bad news? I disputed as similar name....
#22
Posted 28 February 2012 - 03:03 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
Those are easy to get off!
Do I just need to dispute them online? Any idea how negativley something like these might affect my scores?
With EX call to dispute as similar name/similar person, With EQ and TU dispute online choosing the similar name/person option
Regarding how much your score will go up...there's only one way to find out
Make sure you have fico scores before hand so you can compare after cleaning up your report.
OK...I disputed these online yesterday with all three (EX, EQ, and TU). The TU is already showing as 2 of 3 actions completed (I disputed 3 with TU). Any idea if that is good or bad news? I disputed as similar name....
If they came back within 24 hours, they likely came back verified. Disputing online is the easiest, and fastest way to have your accounts verified and makes them hard to dispute in the future. Oh, and you did all the work for the CRA. Disputes should be snail mail, CMRRR. There are threads upon threads upon threads on why you should never dispute online(see one below from moderator Pryan). Slow and steady wins the race.
http://creditboards....howtopic=243938&
#23
Posted 28 February 2012 - 05:20 PM
After reading this thread I am wondering if it would help my score to dispute some collection activity on my report. Would someone mind taking a look at the below screen-shot and letting me know if this is the type of thing that can be succesfully disputed? I am not even sure how negative these items are as I am not sure what their status is (what the heck does automated account mean?)...any help or advice would be greatly appreciated (I have removed the account numbers)...
Those are easy to get off!
Do I just need to dispute them online? Any idea how negativley something like these might affect my scores?
With EX call to dispute as similar name/similar person, With EQ and TU dispute online choosing the similar name/person option
Regarding how much your score will go up...there's only one way to find out
Make sure you have fico scores before hand so you can compare after cleaning up your report.
OK...I disputed these online yesterday with all three (EX, EQ, and TU). The TU is already showing as 2 of 3 actions completed (I disputed 3 with TU). Any idea if that is good or bad news? I disputed as similar name....
If they came back within 24 hours, they likely came back verified. Disputing online is the easiest, and fastest way to have your accounts verified and makes them hard to dispute in the future. Oh, and you did all the work for the CRA. Disputes should be snail mail, CMRRR. There are threads upon threads upon threads on why you should never dispute online(see one below from moderator Pryan). Slow and steady wins the race.
http://creditboards....howtopic=243938&
This is not completely true.I disputed a judgement(paid state tax lien) last month online with TU at 9pm and by 7 am the next morning got an alert that my dispute had been completed.Result--DELETED!!
EX only took 1 day as well for the same tax lien and EQ took 1 week..All deletes..There is more than one way to have negs deleted from your report and some work better than others.Just do lots of research.
#24
Posted 29 February 2012 - 08:56 PM
All of these phone calls and online disputes are making me hyper ventilate. If something gets reinserted, you'll have no paper trail.
They said they will email me once the changes have taken effect.
But you don't have copies of written disputes...you have no certified mail green cards...
all you have is the CRA's word...yikes.
Maybe I just learned "old school"(or as Lt. VanBuren would say "the right way,") but, IMO all disputes should be in writing, and sent CMRRR. Look, I've been there, I had thirty plus deletions in less than a year, and a fantastic success story to post on CB...and I have FOLDERS full of documentation to back all this up....good thing too...I've needed it a few times. Good luck. YMMV.
Not everyone has TX law or TFC at their disposal, I too am like u paper trail etc..
TFC does not apply to a credit reprting agency. I used Jack Attack, SOL, and Why Chat's Judgement Letter among others. If you are getting a paper trail, that is great. Some of the other posters in this thread are not, and that could be a mistake. Only pointing out it isn't a bad thing to have. YMMV.
#25
Posted 01 March 2012 - 04:40 AM
As of this morning I am JUDGEMENT FREE across all three CRAs!! I had two unpaid judgments and thanks to Dollar Bill they're out like a fat kid in dodgeball 
I had two unpaid judgments and thanks to Dollar Bill they're out like a fat kid in dodgeball
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