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Found 11 results

  1. I have 2 negatives on my CR. Absolutely not mine !!! No way they can prove it, I"ll fight to the death. How much of a rise should I see in my score when they are removed? Anyone know how long it will take? I just sent letters to the big 3 Thursday. Someone out there has to have at least a guess????
  2. I just got a Midland tradeline deleted from my credit reports. I first submitted a DV and Midland quickly validated (the debt was legit). I called Midland to settle* -- I offered to pay in full ($200) if Midland agreed to delete the tradeline from my 3 credit reports. They refused, saying they would only update the tradeline to paid in full. I ended up walking into a brick and mortar T-Mobile store and asking to check on the status of an old account I had with them. The T-Mobile agent told me the account had been sold to a CA, but I asked if he could call customer service and see if
  3. Macy's had two 30 day lates on all 3 of my CRs. Almost 2 months ago, I wrote to Macy's with a DV style letter asking them to verify/validate the lates. After a month, I got impatient and wrote to all 3 CRAs with an enclosed copy of my letter to Macy's along with the certified mail receipt. I simply stated that Macy's hadn't responded to my letter. While on the phone with an EX CSR last week, it asked her to delete the lates from Macy's because I felt they were obsolete. She denied me by stating that they had more than a year left. Oh well. It was worth a shot. Now during this time, I have
  4. Yup, it’s true. About two weeks ago I disputed a paid civil judgment online with EX and TU (it wasn't reporting on EQ). The judgment was due to be removed late next year. TU came back a few days ago with a deletion, but I wasn’t holding out much hope for EX. I get an email from them last night and they, too, have deleted!! This is wonderful. The only other negative on my three CRs now is a paid federal tax lien from 2012. It’s really affecting my scores and I’ve asked the IRS to withdraw but it doesn’t look likely. Anyway, I’m happy about this victory. I want to add that before I came to C
  5. OMG. I had a paid civil judgment that I was trying to get rid of. I disputed it on TU and EX (EQ wasn't reporting it), and had no response from GW attempts with the OC. I tried WhyChat's method. Bingo! TU wrote today to say it was *deleted.* Wow! I'm still waiting to hear back from EX (I'm not holding out much hope for that one, though). Now I have to work on a paid fed tax lien. I've asked the IRS to withdraw it but it seems unlikely. We'll see. Thanks so much for your help, CB!! Oh, and I also had a medical collection on there that was due to be removed from the report in two months so I
  6. It feels so good! After five years I finally got EX to delete my paid judgement. It took many letters and methods (jack attack, whychat's, nutcase, etc), many phone calls (most to special handling), multiple BBB disputes, and a CFPB dispute. But in the end what did the trick was a simple Fax. I guess they got sick of hearing from me and knew I wasn't going to stop disputing.
  7. I just signed up to this website today, and I am still not quite sure how it all works. I tried looking through some of the posts for the answer to my question, but the site was so big it was kind of overwhelming. Anyway, my question is, is that I just viewed my credit report and found that I have a medical account for $1000 that was first opened in november 1 2007. it was then updated november 1 2008. I never made any payments to this account (I was not aware of it until now). I read that after 7 years any delinquent account is deleted from your report. Is this true? and if it is, w
  8. Happy to say that after DVing Midland for the fiance with the basic DV from WhyChat's Page, Midland has responded to an out of SOL T-Mobile debt saying ... "Based on the information provided to use, we have instructed the three major credit reporting agencies to delete the above referenced MCM account from your credit file. Blah Blah Blah Blah" Thanks CB... Thanks WhyChat.. Pressing Forward!
  9. So I deleted all old Addys off EQ and Transunion and obviously didnt fly with Experian... I opted out... and i no longer live at the address I was at when these things were filed.. I sent off my own version of a SAME NAME DISPUTE and disputed all the public records in one swoop... So far with Transunion the judgement is gone (they only recorded one) but both BKs still show But as far as EQUIFAX... THE PUBLIC RECORD SECTION IS CLEAN! Experian dispute as far as I know (i cant get in the backdoor anymore) is still in dispute as of about 2 days ago... BKs were supposed to fa
  10. So fired off some disputer letters to all three bureaus for the fiancee at the end of May and already received the results of the dispute from Transunion.... Talk about service with a !! Anyhow, so out of 4 disputed accounts, 3 were deleted, and among the included MIDLAND CREDIT MANAGEMENT for an old T-Mobile account!!! ... So right before we got to celebrating the victory as I was very worried if this was going to be daunting.. i also opened a collection letter that didnt look like any of the usual suspects. It read as follows... Dear Fiancee, The purpose of this letter ir to request
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