Thursday, January 18, 2007

Dispute inquiries, names, negatives, credit repair compnies can help?

I’m looking for advice. I have been told by others that I can send in disputes on little things such as “jr” is missing from my name in hopes that those collections agencies won’t respond and therefore the negative entries on my credit report will be removed. Is this what the “Credit Repair” companies do aside from creating a new identity (illegally from what it sounds like)? Also, If I have paid off any collections, can I have them removed from my report?

Thank you so much for your help in advance.
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Credit repair companies do what my website tips say to do mostly, then charge you for it. Collections can removed in some cases by making deals to pay in full + fees if they take the credit entry off. Most collections deal with utilities, hospitals and the like. Because unpaid bills have been sold to collections for cents on the dollar collections compnies will sometimes cut a deal. This assumes the collections are total seperate from the original debt.
Call and make deals with collections.
Dispute errors on credit files and hope for the best.
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Since I’ve already paid these debts, is there still any way for me to negotiate them to come off my credit report?
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I doubt it.
If they are more than 2 years old and you have new and current credit the effects are slight if any

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