Can information be removed from my credit reports even if it belongs to me?
Any accounts on a credit report can be removed, but they must to be removed due to a violation of some type (which you will find described in the Fair Credit Reporting Act) (FCRA) or due to inaccuracy, inability to verify or incompleteness. There are many laws written to protect you (the consumer), so anything that violates these laws will cause removal of any accounts including judgments, liens, collections, charge-offs, bankruptcies and late payments that are incorrect, misleading, obsolete or inaccurate.
Why do some accounts get removed quickly while others take a long time?
Unfortunately, this process is not certain. It's not guaranteed. There's no way to "force" the bureaus, creditors or collection agencies to do anything (or anyone else for that matter). This is why I call them "rounds", as in "dispute rounds". It is ...
Why is it so hard to remove negative information from my credit report?
First we must understand that the bureaus and creditors are not on your side. This is not the "credit" business, but the "data" business. Creditors and bureaus are in the business of selling and buying data and the goal is to keep you sub-prime ...
I have a lot of addresses and my name is even spelled wrong- can this be fixed?
We care about your entire credit health. One of the first things that we do is remove all personal information that is not current. This assists in a couple ways: #1- Creditors do not like multiple addresses #2- Items are easily removed when the ...
What is a credit score and how can I improve it?
A credit score, called the “Fair Isaac” is a score that is based on the number of credit accounts you have, your payment history, and your personal information. It is made from a calculation so complex that there is no exact formula, but the scoring ...
Stall Letters and Responses from the Bureaus
Responses from the credit bureaus: I've been doing this for over 10 years and have process over 20k files and know all of the responses that can be sent to you and why they are sent. I don't even need to ask you what they sent for me to send this ...