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how to fight experian disputes

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bubba22



Joined: 24 Apr 2008
bubba22's page
Posts: 7



317 Magic Points
Subject: how to fight experian disputes
 
 Posted on Sat Aug 09, 2008 11:58 pm  
i have tried to get rid of my negatives with experian.years ago i could but it seems now that it is harder how is that and how do i dispute this.
 
lkbrite
Guest
Subject: experian disputes
 
 Posted on Sat Aug 09, 2008 11:59 pm  
disputes
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4112 Magic Points
 
 Posted on Sun Aug 10, 2008 1:58 am  
If you find something that should have fallen off you can dispute that item as obsolete. If it is a debt you feel should not be there then by all means dispute it with experian. Are you not getting any answers from them or can you tell us exactly what problem you are having getting the negative removed. Generally if you dispute it with the creit bureaus and the person who has the debt against you does not prove it is yours they will generally remove it? Please get back to us.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3172



1091 Magic Points
 
 Posted on Sun Aug 10, 2008 3:46 am  
You can file a dispute with credit reporting agency, but your first step should be sending the collection agency a debt validation letter, If they don't validate with in the 30 day window, then on the 31st day, you send that information that they did not validate to the credit reporting agency and request that they remove it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 348



9244 Magic Points
 
 Posted on Mon Aug 11, 2008 6:40 am  
Hi bubba22
Most of the negative listings stay on your credit report for seven years except hard inquiry listings which stay in your report for two years and bankruptcy, which may stay in your report for 10 years. So if you find the negative listings which have already crossed seven years, you should immediately dispute with these listings in writing with Experian through certified mail and they will get it removed from your credit report.
_________________
Where there's a will, there's a way !!
 
anthony

anthony

Joined: 31 Jul 2006
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Posts: 506



12637 Magic Points
 
 Posted on Mon Aug 11, 2008 6:53 am  
I agree with Mary. However, if you have any CA listing in your report which has not been 7 years old, send them DV letters as said by Goodnatured and wait for 30 days from the date they receive your letter. If they cannot validate your debt, directly send dispute letters to Credit bureaus asking them to remove the listing. However, if they validate your debt, try to come for a pay for deletion agreement so that as soon as you pay off the dues, you will have the listing removed from your credit report. But get the PFD agreement in writing.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4112 Magic Points
 
 Posted on Mon Aug 11, 2008 1:37 pm  
You said it all htere Anthony.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3172



1091 Magic Points
 
 Posted on Tue Aug 12, 2008 3:14 am  
I wish I would have had this knowledge when I was paying mine off, now they are laying there paid in full and still in the negative column.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2967



4112 Magic Points
 
 Posted on Tue Aug 12, 2008 12:38 pm  
Yes but in another post we were actually trying to figure out what good PFD really do. If the OC can still remain on your report it shows the debt as still being a bad mark. Plus we had thought since a bad debt can only count once we didn't know the full extent of what a PFD was actually good for. I would like to figure this one out. I was glad you brought it up because I hadn't thought of it from your veiwpopint before.
 
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