Credit Reports.

[MORGS]

Just wanted to make sure everyone here utilizes this site Free Credit Report with all the identity theft going around make sure you keep on it and just check it. i knew my credit was blemished due to some stupid mistakes but i looked and found 2 accounts which aren't mine each one for around 5k each, Now i got to duspute with the CRA to tell them they aren't mine.

[Kurt]

That is such a pain in the ass huh

[MORGS]

Hell yeah it is.

[tattooedfreak36]

How do you dispute a reported item? About 3 yrs. ago, I had a gnarly cell bill (about $4500, after a break-up, she thought she'd stick it to me,and did) and contacted cingular to take care of it/make arrangements. They advised the bill had been referred to a credit agency, which I called. I make an agreement with them to pay $2000 and call the bill settled and got this in writing after I made payment. About 1.5 yrs. ago a 2nd collection agency claims they have the bill now and I need to pay $2800, I say "no way" and fax them the settled in full letter, to which they stated the other agency had no authority to collect. Anyway, they are still on my report, how do i get them off of it?

[MORGS]

Check out this forum Creditboards.com they have a lot of great info on there. i just found this site the other day and it's helped me a lot.

[Trash Talker]

Originally Posted by tattooedfreak36

How do you dispute a reported item? About 3 yrs. ago, I had a gnarly cell bill (about $4500, after a break-up, she thought she'd stick it to me,and did) and contacted cingular to take care of it/make arrangements. They advised the bill had been referred to a credit agency, which I called. I make an agreement with them to pay $2000 and call the bill settled and got this in writing after I made payment. About 1.5 yrs. ago a 2nd collection agency claims they have the bill now and I need to pay $2800, I say "no way" and fax them the settled in full letter, to which they stated the other agency had no authority to collect. Anyway, they are still on my report, how do i get them off of it?

Your fucked!

[Trash Talker]

Originally Posted by Trash Talker

Your fucked!

Its a bitch just takes time and lots of letters!

[Kurt]

Dispute it before you try to buy any big items like car or house Isn't there a period they cannot disclose or show it being disputed?

[Dos Locos]

Thanks for posting that.

[pfish]

Personally, I feel funny giving all my information to a web page that I don't know too well. That is how this gets started in the first place.....