List of letters to contact the credit agencies and Collections

i would like to start to repair my credit i would like to know if you have a list of letters and when to use them to contact the various credit agencies as well as the in debtors all you help will be most appreciated
respectfully yours
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http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm

Experian says they have already investigated and verified its accuracy

Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?

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send the dispute to to charter and the CA

Improving my credit and my husbands credit.

I am in desperate need of improving mine and my husbands credit score. Could you please give me a little direction on what I should include in any dispute letters and what i need to include to show that we have paid off most of the debts and would like them removed? Also, do you know whether i should send to all three credit bureaus or just transunion? I am very young and need a lot of advice. If you have time I would grealty appreciate any advice you can offer.

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I would just dispute them as paid

send copies of your drivers license and utility bill for indentity proof.

if you have documents you can make copies and send them with the disputes.

If the accounts are only on transunion.

That is the only place you should send the disputes.

I assume you have looked at all three reports
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Bk discharged in January 2001 but still on my credit report 7 years later

I filed BK (chapt 7) and it was discharged in January 2001. Is there any reason why it would still be on my credit report? I thought these fell off after 7 years. And if I am incorrect with my assumption is there anything that I can do to get those credit card debits that say “included in bankruptcy” off of my report?
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I am pretty sure bankruptcy shows for 10 years.
Matter of law.
The accounts included in BK should be off.
Dispute them all and say reported incorrectly. BK discharged Jan 01
Include a copy of your discharge papers.
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What happens to collections when you pay original creditor

Thank you first for taking the time to read and answer my questions.
I sent the dispute letter to Audit and Adjustment - they sent me a letter back that says they marked the account as disputed and will be reported to the national credit reporting agencies.
Mind you I did not change your dispute letter at all. Also I was told that if I could get valley medical center to cash a check - that that means I am working with them and they are working with me - cutting out the collector per say is that true????
I did not a get a validation of debt from audit and adjustment. I don't know what to do now...And as far as I can tell the bureaus aren't really checking into things - because I have paid off a bunch of stuff and it still hasn't changed my report any. If I missed something in your writing would you let me know where to go read again please.
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prompt bureaus to work for you with the dispute form on those paid bills.
say not yours or error audit and adjustment?
is that a collection agency?
if so validate the debt not just dispute? not sure what happened here
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Valley medical did cash my check.
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you should be able to rid yourself of the collections thenask valley medical to helpreally you should have hasked them before you paidButthey may still help you

I filed chapter 7 bankruptcy in 1999 in Minnesota

I filed a Chapter 7 Bankruptcy in 1999 in Minnesota. The bankruptcy still shows on, and affects my credit. It's been more than 7 years. I know some states can show for 10 years, but how do I find out? How can I have it removed?
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i would dispute as not mine
O it is was it too old or an error
Then I would decide what the next step to getting good credit

Experian experience

I recently disputed an entry on my Experian credit report. They claimed that I had a foreclosure that was redeemed before it actually became a foreclosure. Trans Union correctly stated that the account was closed and Experian stated after their investigation that the account was “paid closed/foreclosure”. The problem is that I am trying to refinance my home and cannot have the word foreclosure on my report. I am unable to speak with a human being to resolve the issue. Can you please give me any suggestions. Do I have to write them or is it possible to speak with someone?
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youve done the right thing
wait 35 days on dispute reply

Medical collections, paid off, duplicate accounts, 7 years old, refi my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info

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last question
if the bill was sold for pennies on the dollar to the collection's, they can collect, but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states, or cities, or accounts or whatever and find out if you can get some of that merged (deleted). Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

need to get my credit score up to 600 to refinance my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info
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last question
if the bill was sold for pennies on the dollar to the collections they can collect but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states or cities or account or whatever and find out if you can get some of that changed. Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

Sent letter one month ago asking to remove mistake. What do I do?

I sent to a creditor that was paid as a agreement asking them to remove this from my credit report. It has been over a month and I have not heard back from them. What is my next step.I also sent a letter to a company I owe money to to settle in full it also has been well over a month I have heard nothing. What is my next step.
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hopefully you sent it certified delivery so you can prove they got the letters
the next obvious thing to do would be CALL THEM and ask.
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certified return receipt I have the returned receipt. What do I tell them on the phone?
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what the hey
fix it

charges deliquent on joint account, other person was in prison

Hi,I noticed that the last time I checked my credit report there was some errors. I had an account that I never used and there were charges on it and it was deliquent, it was a joint account, but the other person was in prison during the time of the charge. I filed a dispute online through the credit reporting agencie, but they seemed to just disregard it. I also called the company about the account and didn't really get anywhere. What can I do? Also there was addresses listed on my credit report that were wrong, could this be a sign of fraud?
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when you say never used this line of new credit card credit but it was deliquent
it sounds like you opened it up with that guy in prison
if you didnt do that
or dont know this person
then yes that would be a sign of stolen identity or fraud

if you disputed and it, it wasnt yours, and you never signed anything with this person, and it did not fall off
THEN
use the results from your credit dispute to follow up with the creditor and call the state attorney general if needed after you use this free debt validation form

Old account more than 7 years

I have an old credit card account that is more then 7 years old sitting on my credit report. It is noted as closed for 2 out of 3 credit buerau's and also states that it was a charge off/write off as a loss. Can I have this deleted from my credit report?
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You can dispute it and hope

went to the doctor in January 2005. There must have been some type of error with the insurance

I went to the doctor in January 2005. There must have been some type of error with the insurance because the doctor was never paid.
I filed chapter 7 bankruptcy and it cleared in January of 2006. I didn't include the doctor on the bankruptcy because I never received a bill.
A collection has started showing up on my credit report now, after the bankruptcy. It was not there before. They are also re-reporting it every 6 months.
I disputed this with Experian stating that I had cleared bankruptcy since I incurred the debt. The collection agency responded that the debt was accurate. Is there anything that I can do?
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if it was not included it was not included
there for accurate
try this
free-credit-help-sample-form-letter-letters
debt validation

It was only a $39 bill that was paid immediately (we always pay off balances every month)

We have a late payment on our credit report. I don't dispute the late payment; however there were extenuating circumstances (we lived out of the country at the time, and my mother-in-law didn't send us the bill in time to get it paid promptly). It was only a $39 bill that was paid immediately (we always pay off balances every month). We never carry credit balances, and yet we have this black mark on our credit report for a $39 bill!! Is there some way to add a comment to the report or to get it removed?
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you can dispute it and hope

you could negotiate

you can wait two years from today and keep new good credit

thats about all that can be done
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Had 3 things removed from credit report. Going to check my FICO

I just wanted to say thanks because your knowledge has helped me gain ground on my credit report. I have done exactly like you said with excellent results. I have successfully had 3 things removed from my credit report although I haven't seen my FICO score yet, I am very happy that they were removed. I used your forms to negotiate and it worked.Thank you very much!!-----Original Message-----
From: majors@oskie.com [mailto:majors@oskie.com]Sent: Thursday, January 03, 2008 4:40 To: US Military personel
Subject: Re: Credit help
Car loans and home loans are the hardest thing to get off your report AFTER they have happened. If you catch them while they are happening, or right after, then many times the installment loan company will make a change. If you have reciepts or bank statements contradicting the entries, the creditor has to take the 30 day late marks off. it sounds like you have already tried this and it did not work. so i doubt very seriously that you will be able to get these removed. the best thing to do about this is, to get it all, date of last activity's for the past 2 years 2 years or more behind you, and keep good at least 12 months, reported credit going. If you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating. Credit is real and sometimes it is best to learn and go on. You can dispute these items with a free dispute ,but you have already called them directly. So the chance of anything different happening is very slim on other suggestion would be to pay the loan off as quick as possible. the quicker you can start the date of last activity on that account the quicker the account will be gone off your report. As it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full.
On 1/3/08, US Military E3 wrote:
Hello Sir, Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time. Do you have any suggestions? Please Cc your response to (email), this is my home account. Thank you very much for your time and knowledge.

Dell computer went to collection by mistake

In 2003, Dell billed me twice on a computer I purchased (once on my AMEX and once on a Dell Preferred Credit card I never opened. ) The dell preferred account went to collections. I complained to Dell executive offices. Dell refunded the charge on my AMEX card and removed the finance charges on the Dell preferred card and told me to pay the collection agency just for the computer and all derogatory information would be removed from the credit reporting agency.
I have an email from a man at Dell executive offices and in his email he says, Dell has issued the credit necessary to correct the extra charges, please call Dell Preferred accounts and they will be the ones that will send the letter and remove any derogatory remarks on your credit report at this point.
I contacted Dell Preferred account and they faxed me a letter that says, “Per our conversation, I have adjusted the account to show pays as agreed. Once the adjustment is fixed the reporting will go thru. This is for your records”.
In 2004, the Experian report was fixed to say “closed, never late “ but I just got my credit report from Experian and now it says “paid in settlement and was 180 days past due in the past”. They changed it and I think this is so unfair because in good faith I paid the collection agency.
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dispute the item as incorrect and include a copy of your email
if that doesn't work re contact dell for clarification
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Thanks for your reply. By the way, I just clicked on your link and signed up with that credit reporting website and I got my credit scores. Transunion: 700, Experian: 685 and Equifax: 690.

So do you think I should just leave it alone or should I still sent the dispute letter
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yes
leave that alone

those are great scores
I wouldn't sitr up any dust

Trying to refinance a home with 105 negative statements

My fiance was laid off reducing our income. I had 13 credit accounts that all went delinquent --- charge offs, late payments (30, 60, 90, 120). Last sping (2007) I worked with a company to settle these debts. All balances are now zero, but did not raise my credit score due to the remaining negative statements. Currently there are 105 negative statements from the 13 creditors. We are on our 2nd arm mortgage and have to refinance again next Jan (2009). I am deathly afraid of getting another arm, obtaining a new payment we cant afford, or losing our home.
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over come them with new good credit
if the acounts show a zero balance.
3 new good lines of reported credit will raise your score enough in that time to help big time
this is what i did

Insurance collection on my credit report. I have no idea what it is for

I have an account on my credit report that I have no idea what it is for. There is no money amount. Under comments it says paid was a collection account insurance claim or government claim or was terminated default. Could you explain this to me if you can. I am so confused
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my advice would be to
dispute that item as not yours and find out.

8 Collections and charge offs on my credit report. two are paid.

I currently have 8 collection/chargeoffs on my report. 2 are paid collections neither is 2 years old. The other 6 unpaid are scheduled to fall off by this time next year. I have 3 open of lines of credit that have been never been late and in good standing for 8, 7, and 3 years which each of them report to the bureau each month. Besides being patient with father time and continuing my on time payments with the positive 3 is there anything else I can do. I know one is a duplicate. I can dispute that one. One has a different date of delinquiecy than the original creditor so i think need to dispute that also to have it linked to fall off at the correct time. Any suggestions/advice would be appreciated on the others Bo
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That is one of the most comprehensive well put questions I have ever received
One thing is missing. What is your credit score now.
Verify the debt with a debt validation letter to the collection agency. Negotiate if they can verify the debt. Dispute the account if you get no answer, or signed with company letterhead agreement.
You seem to had a great grasp of the best parts of raise my credit score fast. Make sure your open credit, show less than 80% of balance to high credit ratio. Divide the balance by the high credit limit and get lower than 79 percent %.

My husband and i are trying to raise his credit score

My husband and I are trying to raise his credit score. We are trying to consolidate our debt into a equity loan. We need a score of 660 to qualify. The scores right now are 679, 658 and 639. One 30 day late (April 07) that the creditor has agreed to correct (we have a letter of deletion) and the last negative is the amount we owe on cc's (ratios) that we are trying to refinace.

My questions are: boyfriend

#1 if the creditor has reported it to Transunion how can I get Transunion to show it. The creditor told me it is slow on their part but they checked twice and they sent the info on their part. Also in your estimate how many points would that add back if if got corrected?

#2 Would it help to reopen old accounts that we requested to be closed to show more credit avaliable so the ratio would come down. Also if we did this would it show as an inquiry on our credit?
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a 30 day late that close to today will actually help alot. i am gonna guess 30 points but i don't know.

you can dispute the account yourself and say account not reported correctly, never late.

if you asked to have accounts reopend they would check your credit and put an inquiry on your credit report.

the ratio your talking about is not a ratio that matters avaiable credit ratio
you need to be concered with credit limit balance ratios to raise scores and debt to income ratios to show you have the ability to pay.