Aaarrrgggghhhhh

I was able to remove my paid and released state tax lien (Ohio) from all 3 CRAs by disputing the PR based on same/similar name, social security number. I disputed this over the telephone (I know CB says it is a big no-no) but I had called to try and remove old addresses and the conversation was going to well that I thought, what the heck. Truthfully, I never really dreamed it would be deleted on the 1st attempt but luckily it was! YMMV and Good Luck!

I'm not sure but I think this may be what you are looking for; you should be able to copy and past it into your web browser. http://www.creditboards.com/forums/index.php?showtopic=3236

DH had a similar instance with Child Support reporting incorrectly. He had changed jobs (December 5), he notified CSEA immediately, CSEA sent a withholding order to his new employer and then it took 6 weeks for his employer to start withholding (new withholding started 1/20). Low and behold, we see his EQ report and for the month of January CSEA was reporting as CA and then in February the were reporting +120. I immediately disputed this info. and it came back verified so I called his CSEA case worker. No surprise I received no help there so I asked to speak with her supervisor. Once we had the supervisor we explained to him the situation and the fact that we had disputed the incorrect info. but it came back verified. The supervisor was the one who had VERIFIED the information! We continued to explain that we weren't disputing the fact that his support ended up in arrears (even though his employer took so long to start withholding) we were disputing the fact that it was never +120 days in arrears; which is what was being reported. In fact if you look at a calendar, it could only possibly be 45 days at most in arrears. Then he proceeded to tell us that the when EQ sent over the dispute and requested verification, all EQ asked them to verify was that he was in arrears; NOTHING was ever even mentioned about the dispute being over the 120 day mark on his credit report. Once we were all on the same page and he realized it was in fact being reported incorrectly, he was more than willing to go out of his way to help with the correction. YMMV I guess what this all boils down to is you might consider starting the process over again with your CSEA and try to contact the person who actually saw the dispute and verified. Once you are talking to them, explain to them your situation and the specific piece of the reporting that you feel is incorrect. I think there is a very good chance that they either don't understand the error you are disputing or the CRA hasn't given them all the details of your dispute. If that still doesn't help, I definitely agree with the OP to enlist the help of your local state representative. We had to go that route once and they were a tremendous help! Hang in there and good luck!

Just a few weeks ago I had 3 public records reporting on my TransUnion credit report.......a BK from 2007, a paid tax lien from 2008 and a paid judgment from 2012. I then disputed all 3 items on the grounds of similar/same name and social security number. Just received the results over the weekend and both the tax lien and the judgment have been removed, but the BK was verified. So what should my next steps for disputing the BK be? I have already opted out and the address tied to the BK is no longer showing on my report. I do still have several TLs that are IIB still reporting. The only piece of the public record that isn't 100% correct is the BK docket number. Should I dispute this PR based on the incorrect docket number or ask TU for their MOV? I have already written the federal BK court (twice) asking how they verify PRs and they have yet to give me a written response. When I called and asked, they told me they verify by matching name, address and last 4 digits of a social security number but they will not provide this information over the telephone to anyone; they must either write or came down to the court house in person to obtain. Maybe there is another option I'm not thinking of??? Thanks everyone, I'd really like to have this disappear!

Ok thanks, I'll give that site a try.

I'm considering refinancing my car and would like to know if there are any good interest rate/payment calculators on the net? My current rate is at 10% and I was just trying to figure out what type of interest rate I would need to be able to find to make the refinance worth it. Thanks!

The entire tradeline. I didn't get any response yet to the snail mail I sent 9/7, but less than 24 hrs after I emailed the CEO, I got a call back, and the good news. Try the email, you never know what might work. Good luck! CONGRATULATION on your deletion....and your right, every little victory counts (and the little victories can add up quickly too! Was this an account with multiple lates or an account that had been previously charged off, or an account that was IIB or? Just asking in case it may be a similar situation to mine Thanks!

I don't know what you did to engender an "extended" fraud alert. It is normal for a 90 day fraud alert to be posted on all CRA accounts, however that HELPS the dispute process, doesn't hurt it. I saw your post about new credit lines. What may have happened is that your HIPAA disputes interacted with your new credit lines in the computer systems. You got new credit and increased your credit and in the same time frame ( 90 days) disputed your medical accounts. I suggest you be careful about fooling around any further with your reports or credit applications. You may have obtained an increased line of credit with Care Credit ( which actually doesn't HELP your credit scores as it is credit for services) and your NEW credit card will hurt you more than help you when you look for a mortgage as the banks do NOT like the idea that you have a LOT of available credit $ available when you are looking for a mortgage. The thinking is that it is too easy for you to overextend yourself. I apologize for the confusion. The new credit and increased credit line is for myself. The HIPPA dispute and the extended fraud alert pertains to DH, not me. He has not applied for any new credit but he has disputed other incorrect information. I was shocked at the 5 year extended fraud alert; but it was put on his report only a few days after the 3rd letter in the HIPPA series had been received by Equifax. Any suggestions as to how I should proceed? Do you recommend call to remove the fraud alertor leave it in place for a bit? thank you WhyChat Leave it alone for a while. When you send several disputes ( or anything else) into a CRA within a 90 day period they get merged in their system. Give it a few Months before doing anything else with his reports so that the prior disputes can get cleared out of the system, then see exactly what MUST be fixed in order to get his scores up. Once you have fixed as much as possible on his reports, you can then get the fraud alert lifted. Thank you again for the advice WhyChat and I'll defeinitely be touching base with you again in the future for your advice on how to get rid of DHs $78 paid medical collection.

My loan officer actually told me to refinance my car to lower my monthly DTI. When completing the initial paperwork they will have you give explanations for the new credit/inquiries and all you need to do is explain you wanted to lower your monthly payment. They say that about new credit so you don't goto a furniture store and buy $5k worth of furniture which would totally screw your monthly DTI (which would screw you at closing if they re-pull your credit). Think about it like this....you already have the auto loan on your CR with a higher monthly payment....you refinance with the same amount owed with a lower monthly payment. I doubt they would care. Thank you for your response and that's exactly what I was thinking as well. Our credit repair has been such a long road that I'm definitely a little gun shy! I guess I just really wanted/needed to hear some more seasoned "repairers" chime in and tell me this would be an ok move to make. And BTW, CONGRATULATIONS on winning 2nd place in the NFCU video contest! NFCU definitely rocks!!

Is refinancing your current auto loan viewed as obtaining "new credit" in the eyes of a mortgage lender? Asking because we are hoping to get pre-approved for a mortgage in late March, early April of 2013 and that puts us at about the 6 month mark. I know the consensus is we should not be applying for any "new" credit about 6 months prior to mortgage shopping so I was just curious. I was just recently approved for a 10K Visa with NFCU and I was considering asking them about what used car rate I would be eligible for since my current loan is at 10%. Any new loan products applied for in the next 30 days (with NFCU) will use the credit score info. they just obtained for the credit card application so I thought it might be worth a shot if it wasn't going to completely ruin our chances for a mortgage approval in the spring. As always, your opinions and expertise are appreciated!

I don't know what you did to engender an "extended" fraud alert. It is normal for a 90 day fraud alert to be posted on all CRA accounts, however that HELPS the dispute process, doesn't hurt it. I saw your post about new credit lines. What may have happened is that your HIPAA disputes interacted with your new credit lines in the computer systems. You got new credit and increased your credit and in the same time frame ( 90 days) disputed your medical accounts. I suggest you be careful about fooling around any further with your reports or credit applications. You may have obtained an increased line of credit with Care Credit ( which actually doesn't HELP your credit scores as it is credit for services) and your NEW credit card will hurt you more than help you when you look for a mortgage as the banks do NOT like the idea that you have a LOT of available credit $ available when you are looking for a mortgage. The thinking is that it is too easy for you to overextend yourself. I apologize for the confusion. The new credit and increased credit line is for myself. The HIPPA dispute and the extended fraud alert pertains to DH, not me. He has not applied for any new credit but he has disputed other incorrect information. I was shocked at the 5 year extended fraud alert; but it was put on his report only a few days after the 3rd letter in the HIPPA series had been received by Equifax. Any suggestions as to how I should proceed? Do you recommend call to remove the fraud alertor leave it in place for a bit? thank you WhyChat

I started reading everything I could find on this board before actually joining in early June. Thanks to the vast knowledge and great advice given by all of the members, my credit repair efforts are definitely starting to pay off! DH and I would like to be able to secure a mortgage in April of 2013 and about a month and a half ago I asked CB whether or not I should try to increase the limits on my/our currect open credit lines or apply for new credit lines. The opinions were just about 50/50 as to which I might pursue, but since our target date for a mortgage is April, I was told which ever I do I should have done by the end of September....well, I already had a Care Credit account with a 3K limit so I asked for a CLI and was given an additional 3K for a total of 6K. But the really BIG news is I applied for a NFCU cash rewards Visa and was approved with a 10K limit!!!. I NEVER thought I'd be able to get approved for a CL like that in such a short period of time. THANK YOU TO ALL OF YOU WHO HAVE BEEN SO HELPFUL AND SHARING WITH YOUR KNOWLEDGE AND EXPERIENCES.

I had been following WhyChats HIPPA dispute process for a paid medical collection. After my initial CRA dispute TU deleted but EQ and Experian verified. Sent out the medical dispute validation letter for paid accounts to the CA waited for proof of receipt and then sent out the follow up dispute letter to CRAs...now the wheels start to totally fall off! EQ slaps an extended fraud alert on DHs account (which will expire in 5 years) and of course spreads the love to the other 2 bureaus...and then Experian send a previously investigated letter to me and refuses to do anything more. I know DH can call the 3 CRAs and get the extended fraud alert lifted, but what steps do I take now to remove the paid collections? How should I handle Experians refusal to re-investigate? As always, thank you all in advance for your assistance!

Truthfully I would prefer not to have to go that route, however, I also know the OC is not LEGALLY allowed to continue to report the TL in this fashion since it was IIB....and since this has already been holding back my credit score since 2007, now I'm just angry and want it to either be correct or not at all. I know I have read about others on this forum with similar situations and the additional steps they took before they were sucessfull in getting the TL to report correctly. I have been serching through previous threads, but of course I'm not able to locate the steps they took which finally resulted in either the correction or deletion of the TL. Any additional guidance would be appreciated. Would it be worth a phone call to the OC or ?? HELP!! a little bump for the evening gurus