Dispute Negative Items with Credit Bureaus first?

[Anonymous]

c/p from another site: Under the Federal Fair Credit Reporting Act, you may: Dispute any information on the credit report that you feel is listed incorrectly. The credit bureau must re-investigate and verify the information (Usually within 30 days.) My question is should I dispute all negative items that showed up on my credit report from Experian, Equifax and Trans Union before doing a PFD to the CA. Thanks in advance

[MidnightVoice]

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gnetiv wrote:
c/p from another site: Under the Federal Fair Credit Reporting Act, you may: Dispute any information on the credit report that you feel is listed incorrectly. The credit bureau must re-investigate and verify the information (Usually within 30 days.) My question is should I dispute all negative items that showed up on my credit report from Experian, Equifax and Trans Union before doing a PFD to the CA. Thanks in advance

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If you have reason to believe thay are not yours, or not accurate, that is a good way to start

[Anonymous]

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gnetiv wrote:
c/p from another site: Under the Federal Fair Credit Reporting Act, you may: Dispute any information on the credit report that you feel is listed incorrectly. The credit bureau must re-investigate and verify the information (Usually within 30 days.) My question is should I dispute all negative items that showed up on my credit report from Experian, Equifax and Trans Union before doing a PFD to the CA. Thanks in advance

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Before doing anything know what your rights are. Also know your SOL. so you will not run into trouble by a lawsuit.

Usually you would

links with a lot of info.      ask as many questions as needed.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=38534

SOL

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

more detailed SOL

http://www.fair-debt-collection.com/SOL-by-State.html#7

The difference between SOL and CRTP

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=17466

[Anonymous]

Thanks for the reply Midnight...I'll give that a shot and go from there. I'll keep this thread updated with any successful or failed attempts. Great site...very informative. Hope to have my score up there with the best of them.

[Anonymous]

Thank u too HappyDays, I'll study those links as well.

[Anonymous]

My advise it to figure out the "Best and Worse" thing that could happen when you dispute a perticular TL.

[Anonymous]

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@Anonymous wrote:
My advise it to figure out the "Best and Worse" thing that could happen when you dispute a perticular TL.

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Learning as I go...If I dispute a TL what would be a "worse" thing that could happen. The last thing I need is to have some CRA pissed at me..hehe.

[Anonymous]

Early on - I disputed an account with a 30 day late-
What I got was a 30, 60, 90

Another account with a 30 and 60- changed to 30,60,90,120 FC paid after foreclosure started.

Do the research BEFORE you dispute.

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@Anonymous wrote:

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@Anonymous wrote:
My advise it to figure out the "Best and Worse" thing that could happen when you dispute a perticular TL.

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Learning as I go...If I dispute a TL what would be a "worse" thing that could happen. The last thing I need is to have some CRA pissed at me..hehe.

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[Anonymous]

wow...I honestly wish I understood what u worte =) I'm so new to this I have no clue. I guess I should start out with a brief explanation of what I need. I don't have the best credit but it's time to buy a house. Before that I need to clean it up.
Break Down:
I don't have my FICO score just yet...last I checked (2 years ago) high 500s
3 Negs on my credit report from EQ, EX, and TU (want to dispute)
Reason for dispute: Hope to get lucky and have them removed due to lack of documentation.

Here is a break down of the negs I want to dispute. Total debt is not too bad it's something I can payoff with a PFD letter to have it removed but why if there is a chance to have it removed this way. I apologize if there is too much info but not sure what info is pertinent or not.

Status:
Collection account. $284 past due as of Jul 2005.

Status Details:

This account is scheduled to continue on record until Aug 2010.

Date Opened:
04/2005

Type:
Collection

Credit Limit:
$245

Date of Status:
07/2005

Terms:
1 Months

High Balance:
NA

Reported Since:
07/2005

Monthly Payment:
$0

Recent Balance:
$284

Last Reported Date:
07/2005

Responsibility:
Individual

Recent Payment:
$0

Account History:
Collection as of Jul 2005
_____________________________
Status:
Collection account. $525 past due as of Dec 2006.

Status Details:
This account is scheduled to continue on record until Jun 2013.

Date Opened:
10/2006
Type:
Collection

Credit Limit:
$525

Date of Status:
12/2006

Terms:
1 Months

High Balance:
NA

Reported Since:
12/2006

Monthly Payment:
$0

Recent Balance:
$525

Last Reported Date:
12/2006

Responsibility:
Individual

Recent Payment:
$0

Your Statement:
NA

Account History:
Collection as of Dec 2006
_____________________________
Status:
Collection account. $373 past due as of Oct 2007.

Status Details:
This account is scheduled to continue on record until Aug 2009.

Date Opened:
01/2005

Type:
Installment

Credit Limit:
$622
Date of Status:
01/2005

Terms:
1 Months

High Balance:
NA

Reported Since:
01/2005

Monthly Payment:
$0

Recent Balance:
$373

Last Reported Date:
10/2007

Responsibility:
Individual

Recent Payment:
$0

Your Statement:
NA

Account History:
Collection as of Aug 2007 to Oct 2007, Feb 2007, Jan 2005

Thanks again in advance

[Anonymous]

No risk in disputing collections except bringing it to their attention.

I recommending sending a DV (find this in the 101 thread) CMRRR and dispute the moment they sign for it.