Sounds like you gamed the system. Congratulations, I guess.
I see your hard work on behalf of your niece paid off. Also congratulations to your niece on her new job as well. This is they way things are supposed to work
Let me see if I understand the car loan situation. So the car loan was actually on her name and she still said it didn't recognize the account?
My niece had a few medical bills and a car her Ed boyfriend had stopped paying on on her credit.
Each went into collection.
I did the normal we dont recognize the account to the collections people, and they kept harassing her. One printed off something in word that looked fake and sent it to her.
I certified copies of what was sent to them to the three big credit bureaus, and low and behold all of them were removed in record time.
Including the bad car loan.
Just a little success story. Niece is a single mother who works for Wells Fargo and received no support from her ex. She was able to qualify for a new position in the bank because of her pristine credit now.
Although it's always nice to read about people increasing and improving their credit profile throughout the journey w/ hard work and honest disputes, I wholly disagree with this post and subsequent post (Believe it violates policies of MyFico as well.)
Unless I'm misunderstanding you, and I feel that I am pretty accurate in reading this, you admit that your niece unfortunately had 2 accounts go into collections. Your response and/or hers was to immediately dispute those and claim you did not recognize them (Fraud/Lying) yet openly admitted they are yours within the first sentence. In a later post you state that you offered a payment term to them, they did not agree to that, so you then say that in response to them being unwilling to agree to 'your' terms you opted to send an invoice copy to the CRA's again and dispute it claiming it didn't appear legitimate.
I offered to pay 15 percent for good will removal first on one account. They refused. Also one of the accounts she had paid but the hospital still put her in collections. This is why I went this route.
Sorry but I can't give a Kudo's to being dishonest which in the end, hurts other victims trying to remove and dispute things that are actually incorrect and thus making it more difficult all the way around.
You're not gonna get much love for this post. And I'm pretty sure it does violate ToS as any kind of manipulation is frowned upon. Hopefully, the lenders don't put it back on your niece's credit after updating the info. You can dispute things off your report, but they can later update that info by certifying it for accuracy for the bureaus, even if it's after the 30 days to respond has expired. At that point, the creditor has to send your niece a letter stating that it will be reinserted and that she has a right to have it notated as being disputed, but it will not come off again.