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 Posted: Fri Feb 09, 2007 5:46 am Subject: Need help in fixing my credit |
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I recently got a copy of my credit report and found some stuff i've never heard of so if anybody has any advice i would greatly appreciate it. The companies are CMS/CARDWORKS,FINANCIAL DATA SYSTEMS,JL WATSON & ASSOCIATE,AND afni, INC. If anyone have any info on any of these that could help I would be thankfull.
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cannonrt061181
Joined: 09 Feb 2007
Posts: 3
Debtcc Points: 90
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| Posted: Fri Feb 09, 2007 11:16 am Subject: |
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Mark the items on dispute with the credit bureau reporting it. If you can prove these items don't belong to you, they will be faster in verifying with the data furnishers and remove the errors from your file.
Send the letter through certified mail and return receipt requested. Keep a copy documented for proof. You will have the dates to prove your actions. The bureau will send you an updated copy within 30 days. If there is no reply, send a follow up letter and ask for results of the investigations.
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fatb88
Joined: 20 Dec 2006
Posts: 221
Debtcc Points: 1571
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| Posted: Fri Feb 09, 2007 2:02 pm Subject: |
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I'm not sure if the accounts are mine.I don't know what they are for.
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cannonrt061181
Joined: 09 Feb 2007
Posts: 3
Debtcc Points: 90
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| Posted: Fri Feb 09, 2007 2:46 pm Subject: |
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Call the companies and verify your information with them. They will look in their system and give you the details of the debt. If they are unable to find your info, the item surely needs to be removed by the bureaus because they might have reported someone else's accounts in your file.
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Johnson4485
Joined: 22 May 2006
Posts: 399
Debtcc Points: 3960
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| Posted: Sat Feb 10, 2007 6:31 am Subject: |
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I don't have any #ers or add for these companies that is what i'm tring to find out so I can call them.
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cannonrt061181
Joined: 09 Feb 2007
Posts: 3
Debtcc Points: 90
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| Posted: Sat Feb 10, 2007 4:22 pm Subject: |
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I would not call them. Dispute with credit bureaus first.If they verify,keep record of it. Next google their names and most of the time an address will popup.Send debt validation letter to them. The reason I would dispute first is leverage over them.If they verify an account on a report and cannot cross reference a real account in your name they have violated the FCRA!
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cajunbulldog
Moderator
Joined: 20 Dec 2006
Posts: 4861
Debtcc Points: 37813
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| Posted: Sat Feb 10, 2007 10:49 pm Subject: |
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you can google the info. Thats how I found out who most of them were on my report. Its well worth it!
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Hiscopilot
Joined: 10 Feb 2007
Posts: 4
Debtcc Points: 104
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