Deletions of Negative Information on Your Credit Report?
This is not really a question more like information for you guys. I have been doing this on my own since September 2009, decided not to waste a month with Lexington Law to do the same thing, I have managed to Successfully have my Bankruptcy Chapter 7 (Filed in 2005) DELETED from all 3 Credit Reports, as well as 10 other Negative Credit Cards from Capital One, Target, Macy’s and various collection agencies within 4 months.
Just recently I have been able to obtain a New Car Loan, and a Cell Phone Credit Account.
Here is how you do it:
Get your credit report
THE FIRST DISPUTE WILL MOST LIKELY NOT REMOVE IT -
Dispute the information "Please verify all balances/dates as this accuracy of this account is incorrect"
**They have 30-45 days to respond, if they do not verify it, by law it is deleted, if they do it will update*
**DO NOT GET DISCOURAGED- - THIS IS A PROCESS**
When/If it comes back unchanged/Updated Re-Dispute it and state:
"Please state your method of your verification process and source all information on balances, dates and provide information"
Give it 30-45 Days, It most likely will come off/delete from your credit report
If it does not, re-dispute it again with the same statement
My score has increased 100 points in 5 months and i have went from 10 derogatory remarks and a bankruptcy to 3 remarks and no bankruptcy
Tags: 4 months, 5 months, accuracy, bankruptcy chapter 7, capital one, cell phone, collection agencies, credit cards, credit report, credit reports, derogatory remarks, macy, new car loan, score, target