Are you disputing them because they're inaccurate or just in hopes of them somehow being deleted? If it's for the latter reason, that's not going to work. All you can do is try to get them removed via GW as mentioned above, otherwise their impact will lessen after a couple of years (but they will remain for all 7 if you are unsuccessful at getting them removed). So, you will be in trouble for at least 2 years, which is the minimum I suggest you wait before asking for CLIs or applying for anything.
@Anonymous wrote:Thanks for the help.
It's 2 Amex Delta
1 Amex Ev
2 Navy Federal
2 Target
1 Arrowhead CU
1 Arrowhead CU
@Anonymous, Thank you for your reply
Not judging you here. Was it during Covid-19?
The reason I ask, it seems Lenders are more willing to do goodwill deletions during this time.
This is what I gather from reading the rebuild forum. Try the goodwill deletion method,
explain your lates and be sincere, don't just copy a "template" .. sometimes if you still have a current relation with these lenders they can be more forgiving. I would emphasize that you value your relationship, and politely ask if these could be removed?
also I would add, that you would make sure it would never happen again in the future.
Also expect that some may not be willing to remove these, but don't give up.
It may take several rounds of doing this.
I would also suggest setting up auto pay on your accounts to at least pay the minimum monthly payment in the future.
@Anonymous wrote:Ok I will try the good will letter thanks guys
@AllZero wrote:@M_Smart007 . 👍
The Saturation Technique: Best GW adjustment odds.
@Anonymous, Wishing you a favorable outcome