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HomeCredit ForumCredit repair

Credit Report

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Tom21
Guest
Subject: Credit Report
 
 Posted on Thu Sep 25, 2008 12:41 pm  
Is it possible to remove negative listing from my credit report? Will public records like bankruptcy and judgment reflect in my credit report?
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 324



8704 Magic Points
 
 Posted on Thu Sep 25, 2008 1:44 pm  
Negative listings can always be removed from the credit report if the listing is not accurate, but you can never remove any accurate information from your credit report. For removing any negative information from your credit report, you need to pull out your report from the three credit reporting agencies, and dispute any inaccurate listings on it with the credit bureaus.
_________________
Where there's a will, there's a way !!
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 493



12319 Magic Points
 
 Posted on Mon Sep 29, 2008 6:54 am  
Hi Tom
Negative listings can always be removed from the credit report if it is incorrect and you can do it yourself without going to any credit repair agencies. For this you need to pull out your credit report from the three credit bureaus and dispute any incorrect listings in your report as Mary said. For example if you find a CA listing against a debt which you are sure you do not owe, you can send dispute letters to the credit bureaus telling them that you do not agree with the listing. The credit bureaus will verify it with the CA and remove the listing from your credit report. Again, hard inquiry listing can also be removed from the credit report if it is unauthorized. However, judgments and charge off listings cannot be normally removed from your credit report and it stays there for seven years.
_________________
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
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Mon Sep 29, 2008 2:43 pm  
pulling your report and seeing exactly what is on it, then filing the disputes in writing versus the online dispute with proof that it does not belong there will be helpful.
 
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