Sunday, June 08, 2008

Need some credit advise on a judgment

I want good credit and have been freed of a bad marriage as of two year ago. With backed up bills and child support it took me a while to get my self in a position to pay these way over due debts. I had 9 debts in collection and have settled all 9 of them as of 3Jun08. My current score is 578 but I hope to see growth with in the next year. Being that I settled these accounts how do I go about removing paid settlements from my credit report and how long will that take?
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Hi there, thanks for the reply. :) Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks. Then do the same on another letter with each additional item, such as dob, aka's, etc. After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things.
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lolWell, I hope you have a great night and if you need any help. Let me know and let me know if you get any success. Thanks again for your always interesting and informative posts online. :)

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