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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Subject: A word about what can and cant be deleted
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Wed Jul 22, 2009 12:02 am
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I have seen a number of people say that public records (BK's, judgments, liens, etc.) can't be deleted. Additionally, I see references to the various impossibilities associated with deleting assorted other tradelines as well...
Please understand... NONE of that is true...
Per federal law, any information that is:
*inaccurate (including items that are incomplete)
*outdated
*unverifiable
can be deleted....
Trust me when I tell you this people... If it couldn't, the examples page of my company website wouldn't look like it does... BK's, judgments, liens, collections, charge-offs, late payments.... It can all be deleted if it doesn't meet the federally required standards.
IF, however, the information is 100% complete, accurate, timely, and verifiable, there is nothing that you, me, or any other credit repair professional can do about it...
Questions..? Call me!
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Jul 22, 2009 11:44 am
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What are the chances though that bankruptsy (which can be the most damaging) is inaccurate? Have you seen this happen often? I know a lot of creditor remarks can have errors and be incomplete but I always thought they kept bankruptsies pretty accurate.
Once you get these things removed what are the chances they will be relisted by the creditors or can't they be? |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Wed Jul 22, 2009 12:15 pm
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Think about the people that work at ANY county office... Is it possible that they *might* make a mistake..? THAT's how likely it is...
In all my years (roughly 15) of credit repair experience, I have seen no more than 10 LEGITIMATE re-insertions... It's too time-consuming, labor-intensive, and cost-prohibitive for furnishers...
I HAVE SEEN collection agencies try it, but they have almost always been illegally re-inserted, and are thus, easy to remove...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu Jul 23, 2009 1:28 am
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| Thats actually probaly really close to the truth. Everything these days are done in such a hurry. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Thu Jul 23, 2009 6:45 am
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A chapter 13 bankruptcy stays on your report for 7 years and gets removed automatically after that. However, in the event that it stays you may contact any of the credit reporting agencies that has your bankruptcy still listed. Normally a phone call will suffice.
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Keep in touch
Carol |
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