Pay off my debts and improve credit report

After you visit the website of Experian, in the home page at the left side, you will see a button "Submit a dispute online". Click on it and place your online dispute with the bureau.

I don't think downloading of the video should take a long time. Maybe the internet speed of your computer got slow during that time. Cancel the last download and click on it again. Hopefully, if the speed is fast, you will get through this time.

David, To use the dispute form on their site, you have to have pulled a credit report in the last 30 days. The report we pulled last year had NO adverse items on it. We got the new information from a local Loan Officer who pulled the latest version.

Now, the law says that if there are adverse items on your report that were put there AFTER the date you obtained your Free report, you are entitled to see the new one Free also. Experian's web site does not
provide for this.

(Not sure if I can provide the link for this?)
"Other situations where you might be eligible for a free report
Under federal law, you're also entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, based on information in your report. You must ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company."

Since these are bogus items by Countrywide, why should my son have to PURCHASE a CR from Experian to contest them? Especially since Dennis has all of the Statements proving that Countrywide got THEIR money out of his account BEFORE the due date. (In other words, why should he have to pay for Countrywide's idiocy?)

Trouble is, Countrywide has to be reminded from time to time that the contract they purchased has a grace period of the 16th of the month. (He has one letter from them, dated 6/03/2005 that states his June payment is late as it was due on the 1st.)???

Then I found another 'glitch' yesterday. His original contract states the the new Interest rate on his adjustable loan will be computed using the LIBOR from the first business day of the month immediately preceding the month it is to take effect.

In this case, the month it is to take effect is March. That would mean they must use the Feb. 1st 2006 LIBOR. They used 1/3/2006 and, consequently, came up with the highest possible new rate.

Oops, forgot. I have never been able to download any, even the shortest of videos. For instance, before each game, my favorite NFL Team site has a new Intro. About 2 minutes at most. The longest I waited was one hour and it still hadn't downloaded.

I found Experian's address for snail mail and sent a dispute there. Not sure what their response will be.

beckyj, I am also aware of the new laws placed by Experian. But in order to place the dispute with the bureau, you will have to pull the recent copy first. Your last check was sometime in the last year. At that time, the report was absolutely clean and there was no need to dispute. At the present time, you can ask the bureau to dispute on the item that you will highlight after pulling your copy.

You can also ask Countrywide to verify this matter. If they are not following the policies as per the agreement, it results in a breach of contract. You might have to consult a lawyer. With his help, the company will be forced to verify this matter.

My credit score sits right around 590, and while I can get 100% financing - it will cost me close to 9% apr. No thank you. I'll wait a bit longer and continue paying the rent bill. Some advise on mortgage is to go to a company that represents MANY lendors. Someone is bound to give your son a 100% loan - but it might cost him. I think that is so risky anyways... even lendors have advised against it (even thought they get more APR that way).

I have several charge offs on my CR - do I dispute the charges with the original credit card companies or with he credit reporting agencies themselves? Is the letter I send different to each? Desperately in need of help.

Jody, charged off accounts will remain in the credit report for a period of seven years. The term begins from the date of first delinquency. Please read the FCRA for accurate reporting of the credit ratings.

Becky, I understand it's not fair that your son has to pay for a credit report in order to open a dipute with Experian, but what's more important? Getting these things fixed or standing on principle over a small amount of money?

I signed up with Identity Guard, paid for the first month and got the second for free. Plus that entitled me to all three credit reports AND my FICA score, which you don't get with the free credit reports. Not sure if we're allowed to add outside links to our posts, but you can Google the company name or just add .com to it.