Removing Comments from Accounts

[Scupra]

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@Anonymous wrote:

You know it ! Always a work in progress. I actually took a long break from it all due to an illness in the family and just getting back into it. Still have a few issues out there that I need to clean up, not looking forward to it, but it all seems to be in a much better position than this time last year.  I was thinking of you last week when I pushed the button on the Discover app. Was denied last year, was shocked they just approved. I am done. That is it on cards. Have you had any luck with them? 

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While holding my grudge and being mad at Discover I got in with Chase. So now I have just forgotten Discover

[Scupra]

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@Anonymous wrote:
Just curious as to why your score would go Down by having a comment removed.

I have been trying to get a comment that i disagree after dispute? Removed from my KOHLS acct. The whole thing was over my credit limit? And since then i have not been able to get a cli.
The funny thing is I do not disagree, lol

Is it best to call Kohls or to dispute w/ cra?

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When a TL has remarks on it sometimes it doesn't count towards scoring. So when you get the remark removed sometimes it can hurt your score. I would call the CRA and tell them you need the remarks removed. Good luck!

[michaels88369]

Would it be beneficial to remove the remarks on the accounts that I disputed from my bk7? They say things like "account dispute by consumer" "reinvestigation in progress" and "account included in bankruptcy" just to name a few.

[Anonymous]

Yeah i did contact cra's...I'm just waitin now.... this is probably why i cant get a cli from Kohls

[Scupra]

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@michaels88369 wrote:
Would it be beneficial to remove the remarks on the accounts that I disputed from my bk7? They say things like "account dispute by consumer" "reinvestigation in progress" and "account included in bankruptcy" just to name a few.

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Well, it depends Those are the remarks I needed to get removed. It was a requirement in my case to close on the home though. I would just get rid of them now so you are looking at an accurate report all the time.

[michaels88369]

What's the best steps or most effective steps in getting these removed?

[Scupra]

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@michaels88369 wrote:
What's the best steps or most effective steps in getting these removed?

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I had the best luck calling the CRA's and requesting it.

[Anonymous]

Update....

I called a couple of days ago to Kohls ,talked to their credit dept. The guy was super nice... i explained my issue on my CR with the comment section... he pulled it up and said that was stupid.... i explained i have been an excellent customer. . No lates, etc... in almost 3 yrs , yet only 1 cli ... he told me he would take care of the comment and remove it.

Today i though i would try their LUV button... lo and behold... it said congratulations. ... $500 cli .. which doubled my cl to $1,000 , not alot i know but i might call and ask for more....

Just pays to be persistent and keep trying.... and always keep an eye on your CR... didnt even know that comment was there

[Anonymous]

We burned Chase in BK, so won't be trying for them anytime soon.