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LadyA

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  1. Update: Well...It took 28 days to receive a response. However, I am proud to report that the item was DELETED!! My score increased by 38 points!!Thanks, Why Chat for sharing your knowledge!! I am truly greatful!
  2. Quick question, this item appears on only one credit report. Once checked, is it a possibility that they may update all three agencies?
  3. Help!! I am confused! I have an old medical bill that is on my credit . The actual date of service was from 12/2012. It appears on my credit as : Placed for collection 04/01/2015 *** Estimated month and year this item will be removed 11/2019 I have a colleague that does credit repair. In our discussion, I told him I was going to pay it and he said do NOT pay it. He is 90% sure he can have it removed permanently. He did mention a company called privacy guard. But did not go into detail. He has a credible repair business. But i was just wandering if this sounded legitimate. My question is, at this point is it removable? Or, do I need to pay it and then request to have it removed. Thanks
  4. Please start your own thread. All advice given here is on an individualized basis. You do not need to go to any credit repair business, just follow the advice you will be given once you start your own thread Will Do.. Thanks
  5. Help!! I am confused! I have an old medical bill that is on my credit . The actual date of service was from the year 2011 maybe 2012. It appears on my credit as : Placed for collection 04/01/2015 *** Estimated month and year this item will be removed 11/2019 I have a colleague that does credit repair. In our discussion, I told him I was going to pay it and he said do NOT pay it. He is 90% sure he can have it removed permanently. He did mention a company called privacy guard. But did not go into detail. He has a credible repair business. But i was just wandering if this sounded legitimate.
  6. LadyA

    citi

    Capitol Heights
  7. UPDATE: Went online to dispute the 2 paid public records with Equifax & got the following message: This section includes public record items Equifax obtained from local, state, and federal courts through a 3rd party vendor LexisNexis. LexisNexis Consumer Center P>o. Box 105615 Atlanta GA 30348-5108https:equifaxconsumers.lexisnexis.com 877-305-5121 Needless to say, I did not go through with the dispute. Given the above information, Does anyone think its best to freeze LN first and then file? Or just take my chances and file? Freeze LN first. SHOUT OUT to BigPoppa09!! I finally put on my big girl panties and disputed the final Equifax public records..Did what u said with LexisNexis a few months ago. I did the dispute online and it was removed within a week!! My score only went up 2 pts..But hey, I'll take that! NO more public records reporting on all 3 Bureaus!! Thanks Credit Boards for all the valuable information!!
  8. UPDATE: Went online to dispute the 2 paid public records with Equifax & got the following message: This section includes public record items Equifax obtained from local, state, and federal courts through a 3rd party vendor LexisNexis. LexisNexis Consumer Center P>o. Box 105615 Atlanta GA 30348-5108 https:equifaxconsumers.lexisnexis.com 877-305-5121 Needless to say, I did not go through with the dispute. Given the above information, Does anyone think its best to freeze LN first and then file? Or just take my chances and file?
  9. Congratulations! Can you detail what you did with TU? They're they only CRA that's giving me problems on PRs... they didn't remove mine although LN is frozen. I'm about to do MOV, but really want to hear your process before I start. Thanks! I filed TU online. I chose the option of "Multiple Discrepancies"...
  10. UPDATE: I finally filed the claim for Transunion. My public record was deleted within 4 days of disputing!! I have not tried Equifax as i have read that they are sticklers for updating information..I'm on the fence..Maybe they will actually remove it since I have only a year to go before it drops off due to the 7 years.
  11. LadyA

    Citibank, N.A.

    Capitol Heights
  12. LadyA

    Citibank, N.A.

    Capitol Heights
  13. UPDATE: Both paid public records have been REMOVED!! Thanks Credit Boards!!!
  14. Great news!! After reading this forum, I decided to give it a go on having two paid public records removed from Experian..So far, one has been deleted! The other is pending..8 more days to go...FINGERS CROSSED!!! Your knowledge and experiences have really helped me along the way! Thanks a bunch! I am going to try TransUnion next!

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