carlysmom wrote:
Hello! I have been doing my own "credit repair" for 2 years now. Basically sending online & hard copy letter disputes. Some things have dropped and others have remained. So then I start paying Collection debts off, etc., thinking that will help my score. No change in FICO score. But my mind feels better about doing the right thing by my debts. Should I send GW letters to those.Wish I had known about the payment negotiating letter - if delete before now. Any advice here?
Next question ...I have an IRS lien that was filed but I was on a payment plan with IRS. Disputed this many times with the CRA's and get no results. So I dispute directly with IRS to remove and receive a letter stating they show me making payments and that I don't have a lien, etc. So I sent the IRS letter to all 3 CRA's and still they do not remove. I'm so frustrated.
Also, is it better to just Hire a Credit repair co or continue as I have been. I have several negative items being removed between now & June. Should I just be patient?
THANKS!!!
I would start sending GW letter's to those collection's that were paid. Even though they are now paid, they will not raise your scores.
The dispute to the CRA's on the tax lien, may have gotten the previously investigated/verified notation. You may have to be a bit more aggressive sending them dispute's. If it fails again, send them a MOV.
I wouldn't hire someone to do credit repair. You can save money and work on items yourself.
The negative's due to fall off, you can let them drop. Some have disputed with the CRA's as 'obsolete' and they have dropped sooner since they were very close anyway.
