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hello everyone, I have a question... I paid someone to clean up my credit and he went thru transunion and by the end of my 30 day investigation he removed 6 items and updated my payment history....which is pretty good since I only paid 100.00 but my question is...Will it update on all three or only on transunion and if it stays the same do I need to dispute to the other cb...really not sure on how to handle it....and if i didnt move i would have asked him but lost number...any help will do....thanks
Hi Bendover
Are the items that have been removed from your credit report hard inquiries. If they are hard inquiries, it means they were unauthorized and so the creditor or the collection agencies removed it from the credit report. Now if these hard inquiries are removed from the Transunion report, they can easily be removed from the Equifax and the Experian report also. All you need to do is to send letters to the inquirers telling them either to verify your authorization or to remove the listing from your report.
If you are making regular payments on your existing debts, then your payment history will be updated automatically. However, negative listings such as outstanding debts with six months delinquency will stay in your credit report for seven years even if you pay off the debt until and unless you come to a pay for deletion agreement with the original creditor in writing before you pay it off. If your credit history is not good, then the regular payments you are making now will improve this credit history.
they were not hard inquries or old acct...i know two were duplicites and the others were just two yrs old....i really wanted to know if accts were moved from one ca will it auto be removed from the other ca
Yes, duplicates can easily be removed from your credit report. If a collection agency removes its listing from your credit report because of the fact that they could not validate your debt, and sell the account to another collection agency, then the new CA can again list its name in your credit report. You need to again ask for debt validation from the new CA whose name you find in your report. If they cannot validate the debt, they also have to remove their listing from the credit report.