Disputes...

Well done, you will see some scores going up because of this inaccurate negative item off from your file. I can see how happy you are. :) Congrats!

Congrats, Natdust! Keep up the good work! :-)

That's great news :) Keep up the good work!!!!

Congratulations!! You're on your way!

I don't think I could've done it without your help. Since I have been a member of this site, I don't know how much I have learned. I thought once those things were on there, they stayed. I wasn't aware that you could have them removed..Thanks again everyone...

great job, natdust. Congratulations! Happy Thanksgiving - another thing to be thankful for!

Way to go Natdust! It's a relief to finally see some progress,huh?...Karen

Yea, it's great. And the best thing was the one from NCO came off, b/c they couldn't validate it. Luckily I was in my storage building today and found an original letter from Capital One and the balance in 2005 was $765.59, and now NCO was saying it was $1472.93...They are ripping ppl off too...

I just got my new credit report from Experian, and with having those 2 CA's deleted, my score went up 78 points...THANKS>>>>>>>>>>>>>>>>>>>>>

Wow, great news, natdust!

Also, I disputed some with Transunion and Equifax. Will I see the results online or by mail. I read in one post that when something is removed, any of the credit bureaus will mail you a new report. Is this true??

I believe when your credit report is updated, the credit bureau will send you a new copy in the mail.

Ok thanks...

Just got all 3 of my updated CR's, and they are looking good...I had 4 things deleted from Equifax, 3 with Transunion, and 2 more from Experian...How long do you think it will take for my score to go up from these changes??/

Hi natdust. What great news! I'm not sure how long it takes, but I thought I saw posted somewhere that it can take up to a month. Hopefully, it's sooner than that, though.

Well 7 out of 14 deleted and 5 the information was updated and corrected.. wonder if my score went up..maybe it's 560 now instead of 555...lol


FIRST TENNESSEE BANK
Account Number: Outcome: Deleted
FIA MBNA
Account Number: Outcome: Remains
CAP ONE BK
Account Number: Outcome: Updated
CAP ONE BK
Account Number: Outcome: Updated
HSBC/KMART
Account Number: Outcome: Deleted
SEARS/CBSD
Account Number: Outcome: Updated
WFNNB/LERNER
Account Number: Outcome: Remains
WFNNB/CHADWICKS OF BOS
Account Number: Outcome: Deleted
GEMB/DILLARDS
Account Number: Outcome: Updated
AMERICAN GENERAL FINAN
Account Number: Outcome: Updated
GEMB/DISNEY
Account Number: Outcome: Deleted
WFNNB/SERVICE MERCH PR
Account Number: Outcome: Remains
TNB - TARGET
Account Number: Outcome: Deleted
asset acceptance llc
Account Number: Outcome: Deleted

Ashley, What was the best method of disputing? ONline or did you mail a letter? What reason did you give? I am disputing a lot of mine. My thinking is that even though a lot of the negative marks are mine, I've suffered enough with them, some because they are old and I wasn't savvy enough to know what to do, that I think they should come off of my credit report. It's not fair that they can update items and keep reporting. I have a few CC accounts from early 1990's that keep reporting negatively. I'm not really sure why and I'm trying to research that. But I disputed some and they came back either updated or remains.

I know how good it feels to see progress.I too just had disputes that resulted in being deleted from my credit report

Karen, that's great news! Congratulations.

I am sorry I missed the continuiance of this thread. i disputed online. the only thing I did have to do throught the mail because they wanted photocopies of my DL and other stuff was my disputes with inaccurate address and name stuff plus to get the three agencies to remove my fraud alerts

No problem. I don't think it really matters which method you choose. If you send a certified letter, then you have some kind of record. I disputed Experian and TransUnion online. They aren't going to lie about your dispute and the date. I just had a bunch of things removed from both reports which is good. Now here is a downside to disputing some items. If you don't want them to report new information, don't dispute. An example, my car was repossesed 2 years ago. I was able to get it back from the bank and reinstate the loan within a week. So in my excitment of disputing things and trying to raise my score, I disputed an item on that particular account. My credit reports at the time did not reflect the repo until I disputed and they updated the information. Now my credit report reflects that it was a repossession. Lesson learned the hard way.

I am sorry to hear that. I am now trying to dispute with Capital One, the same thing that I had removed with NCO. I am hoping that Capital One will remove it b/c it's out of the SOL. Do you think I will have any luck??

I would think they'd have to remove it if it's out of SOL. Let us know what happens with that.

Well, I just got a email from Experian and they didn't delete it, they just updated it. Should I try again?? Is there anything that they can do to me if I keep disputing it??

No, they can't do a thing!! And it doesn't affect your credit. Keep disputing, don't give up..

Good luck, Nat. I hope they remove it for you.

What if one of the others delete it??

I am getting statements from Chadwicks and I haven;t bought anything. It is now over $200.00. I am not going to pay it. I don;t owe it. I paid the 1st statement for shipping and I didn't owe that. Please don't send me another statement why are you all sending me a statement of nothing and adding tax to it. I lost my husband and I am on a very fixed income. Will you send this to whom ever should get it. My acct. Personal info deleted - ND

Verna this is public forum not Chadwicks. I would suggest you call the number on the statements you are receiving as it is apparent someone is using your account. Please call them today. Once again this is a Public Form that people post on looking for advice from others who have experienced a similar situation. Good luck to you and I sure hope you get this problem cleared up.