these addresses and inquiries on my report are not mine. How do I get them off?

1. How do I remove incorrect home addresses from my credit report?
2. How do I remove inquiries from my credit report (those that affect my scores)?

some of those addresses are not mine, ever! and I don't have a clue as to where all the inquiries come from because I have only applied for credit twice in 2 years
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well you should dispute them
and say you think someone is fraudulently accessing your credit file
use the dispute form here
then add in a small letter explaining your position
might add a copy of your report and circle the errant entries
many credit reports list the phone numbers to every entry
at the bottom of the report
for
inquiries
public records
collections
credit accounts

If you have those i would call them
then send a letter validating the entry
u could use a debt validation letter but remake it to validate an inquiry

Had items deleted from credit report. Need check score to see if it goes up

I have had several items deleted from my report,will I have to purchase a credit score to see if it has gone up ? Or can I get it for free and where?
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get a free score here if you cancel in less than 7 days
it is the only way to get a free score
scores are never free unless done like this

Credit report has errors. Says I have credit I never had.

Hi, I have just turned 18... I have been declined jobs and credit cards because in 2005 & 2006 store cards were opened under my name with correct information just wrong DOB, they believe I tried to look over 18 to get credit, however none of the accounts are in debt but I will fail credit checks everytime making it impossible for me to get a credit card or a job, i've not done anything.
I've requested a credit report and will dispute but what will happen now what are the procedures costs and time?

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use the credit dispute form
and dispute the incorrect items on your 3 credit reports

everything above is totally free if you cancel the credit report service in less than 7 days
is worth one or two months / to make sure the updates and dispute really worked
and
how much it increased my credit score

credit dispute answered by mail within 20 - 40 daysof mail date.

once everything is cleared up

try these bad credit / no credit / credit card offers' that say / reports to bureaus.

Car repo sold over and over. I thought 7 years was it.

I have a car repo from 2000, the accounts keep getting re- sold again and again, after 7 years I thought it would drop. Will this continue as long as the account keeps being sold? Considering the fact that I did not go into any financial agreement with anyone except the original debtor can I get this removed?
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validate the debt
then complain to your state atorney general

Collection sold and sold and the 7 years keep getting changed

In 11/2006 I request to all 3 credit bureau's that they have a collection removed. The collection agency first reported the debt in Sept 1999 on all three credit reports. All three removed it because it was past 7yrs. I was aware that the collection agency could have sold the collection account since there 7yrs were over to another agency. So I checked my report in March 07 & June 07 to see if they sold the collection and if the new agency were now reporting debt nothing was there. I received collection letter today from the same 1999 collection agency request the debt be paid in full and amount went from $1300 now almost $2600. I looked at my credits report this same agency have added themselves back on my credit report trying to collect same 1999 debt under the same name, same office address & account number. They didn't sell it to anyone else they simply started reporting it again. Are they able to do this. What actions can I take against this company for reporting debt again after 7yrs?
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click here
make them validate the debt
then follow up

dentist bill went to collection in 2002. Should I pay it?

I have a $600 dollar dentist debt on my credit report. It was posted in 2002. What would you recommend I do? I had insurance at the time but its possible that they did not cover the work that was done. Since this was from 2002, should I contact the collection agency? or should I dispute it? or is it better to leave it alone since its from 2002. I appreciate your guidance in this matter

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I guess it depends on your credit score now
and
if this is affecting something you wish to do

you can dispute it and hope
might do that
then
negotiate, pay and be done
ask for humble credit help
talk to both the collection agency and the original creditor

if you have new good credit this should not hurt your score much even if they do redate it
but i would make sure they at least did not re date the account

Paid Collection. Remove from my credit report.

Was married in 2001 and had a account with a utility company with both me and my wife's name on it. Separated in August of 2001 and moved out of the house. Divorce went final in July of 2003. Ex-wife moved out of the house we had in April of 2005 and left behind this utility bill unpaid. I learned about this account in October of this year and paid it off after it had been in collections. Now I am trying to get it removed from my credit report. I have disputed it with all 3 credit agencies and asked both original company to remove it (they accepted payment and it is paid), plus asked the collection agency to remove their report of this account. All parties refuse to remove this account and as you know it is a major hit on my credit rating at this time. Any suggestions on how to get it removed? Any help is greatly appreciated.
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you have done everything you can dp.
get and keep new good credit to overcome the past old bad credit

Bankrupt credit problems creditors calling court jail

Okay well I have credit problems and I have creditors calling leaving messages etc. And I have spoken to a few but they are so mean so im trying to work with them. My credit is so bad that im thinking about the big "B" yes Bankrupt. but alot of my friends are telling me not to go that route. Well to finally get to the questions, I have been to court for a settlement for a past due credit card and I was making payments, okay I left the state I was in to go college and that didn't work out, and not to sound ditsy but I forgot about my payments, and im afraid that ill go to jail and that's why im afraid to call and continue where I left off. So in that case I don't know what to do, since there was a court appearance involved.
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in your situation yes
call or else face a warrant for arrest when you are pulled over for a traffic problem.
Eventually you will have to pay

I think if you call you can feel it out and hope
give your past name and address and ask how much you owe
do not give out your current address or phone at first.
if you can pay them off right then.
be prepared to pay in full right then

Macy's charge off credit card did not change last name.

In 2004 I returned to my maiden name. All credit card companies promptly changed my last name per my request except one: Macy’s. A year and a half ago I had moved and informed Macy’s, but they still did not change my address (and subsequently my last name). I apparently had a small balance (less than $100) on the account which I had thought was paid off, but because the last name was not current the post office did not forward any bills. 6 months later I received a call from Macy’s wanting a payment, which had now doubled due to late fees. I immediately paid over the phone, but for some reason it did not go thru, nor did Macy’s return the call to inform me so my account continued to be delinquent. I checked the account online out of curiosity a month or so later and saw the balance and promptly mailed a payment this time by check. I also wrote to Macy’s informing them of their incorrect name and address and that being to reason as to the delinquent payment, and asked to close the account. This has hurt my credit score and I was wondering if there was any way to rectify this problem. Will adding a comment help?
-------------------------
all of the reasons do not fly
last name and did not forward because of last name change and move


you already paid
when you pay before negotiating the account stays on your report
get new good credit and forget abot past old bad credit

you did what i would do and that is pay and go on with your life

Chapter 7 from 2000 - 2001. How to remove

I'm a mortgage loan officer in Las Vegas, Nevada and help clients repair their credit all the time. You had some great tips that I didn't even realize were possible. My personal dilemma is as follows. I filed for Chapter 7 bankruptcy protection in December 2000 and it was discharged in April 2001. I've worked over the years to get all of my previous bad credit completely removed from my credit report. For over a year now, there are no items appearing on my credit that are from the time I had the bankruptcy. EVERYTHING on my credit reflects perfect payment history and you would never know I ever filed with the exception of the Public Records section of the reports. Do you have any advice for trying to remove this early? I would qualify for A+ paper financing if not for that public record.
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not really
sounds like you are up to speed
public records are court documents and if you disputed them
thats probably all one can do

Filed 13 and case dismissed. can i have the 13 removed

1. The end of 2002 beginning of 2003, I self-filed a Chapter 13 in an attempt to save our home. The bank foreclosed; we lost our home and I withdrew the Chapter 13. The Bankruptcy shows as Dismissed. Is there anything I can do to have this completely removed?
2. We lost our home through fore closure, but there is still a debt classified as "Mortgage" for $72,000... this was a Second Mortgage. Why is this still on our file as a debt owed? Our home was taken but they still want the Second paid?
3. The Date of Last Activity continues to be updated on this Second Mortgage. Which tells me no matter what I do, this will never be removed.
4. It seems whenever I do an inquiry to Equifax to correct errors, I start getting calls again on old debt... does the inquiry to Equifax cause the Date of Last Activity to be updated?
------------------------
copy the dismissal papers and mail them as a dispute use this form

yes they still want the money. I would assume though some would be paid during the foreclosure and subseqent sale?
i would have to see a paper tail to help with this. but sure and loan has to be paid off period.

#3 not sure what to coment on this one.

#4 does not make sense. there is no correlation. inquiries only happen when you apply for a loan
not when you check your credit online
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thanks

Credit Report: Collection

In 11/2006 I request to all 3 credit bureau's that they have a collection removed. The collection agency first reported the debt in Sept 1999 on all three credit reports. All three removed it because it was past 7yrs. I was aware that the collection agency could have sold the collection account since there 7yrs were over to another agency. So I checked my report in March 07 & June 07 to see if they sold the collection and if the new agency were now reporting debt nothing was there. I received collection letter today from the same 1999 collection agency request the debt be paid in full and amount went from $1300 now almost $2600. I looked at my credits report this same agency have added themselves back on my credit report trying to collect same 1999 debt under the same name, same office address & account number. hey didn't sell it to anyone else they simply started reporting it again. Are they able to do this. What actions can I take against this company for reporting debt again after 7yrs?
---------------------------
click here
Get debt validation. Validate the debt.
get follow up info in writing on co letterhead.

Trying to raise my score.

Bo: i am in a long term dispute with two credit card co.`s.I have not heard from either one of them in two yrs, except the this last week, I received a letter from the arbitraition forum that might case was dismissed. My score was from Experian was 765, score from Equifax was 330. should I send the letter from the forum to Eqifax and ask to have this neg. report removed, because it has been dismissed? thanx
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yes you should
765 and a 330
something is wrong
350 is the botttom i think?

Mortgage 30 days late remove and credit card balance reported too high.

My mortgage company was quick to report following a 30 day late last April. However, they have not reported since June 2007. If they did, would that help my credit score. Should I contact them and ask them to report? Also, my credit card balance has not been reported since July 2007, and the balance has been substantially lower for months now.
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yes you should ask them to report

and It would have been better IF, I called them on the 30 days late thing, right then, then maybe they might have taken it off, or allowed 1 extra payment this year, or any number of things as long as I don't just let them hang? You know how that feels. If they let you hang you get nervous, but if they call and let you know, you feel better and have something to work with.
i doubt these efforts will increase my score more than 10-15 points,
if any
but it is something that needs needs to be done asap and it could help my credit history score as much as 30 points if the credit card balance was over 80% and now it is less than 80% debt to high credit ratio.
there is no chance of helping if you do not call them.
Verify any phone agreement with something on compnay letterhead.

College student credit card charge off collection turned down for job.

I am a college student, and I fell into the trap of signing up for a credit card in 2005 to help with some of the cost of my books, etc for school. I was able to open an account with Capitol One, and my credit limit was $300. Capitol One eventually ended up closing the account because of non payment. The account is currently showing up as a charge off on my credit report, and is $785 past due, and has been sent to a collection agency known as NCO Financial. They were offering to settle at one point at time, but I disregarded the letters they sent me since I had no way of paying them. The last time I received a settlement letter from them was in March. This is the only negative balance on my credit reports. Everything else I have are student loans which are all in good standing. I did not think this one negative item was that big of a deal since it’s the only negative item I have, and it is not considered to be an “outstanding amount” of debt compared to others. However, I was turned down for a job because of this a few months so now I see how serious it is.
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i would call capital one first

then if they do not help
negotiate with collections agency

one needs three open lines of credit
that report to a bureau
and are at least one year old.

Repo car. Now the collection agency says they will sue me

i've been dealing with a collectin agency called trilogy in san diego, ca
they claim i owe $12,000 on a car that was repossed in 2005, they claim they cut the price down to $7,500, provided that i make payments of $50.00 or more, but they won't tell me how much my carsold for... claimng if i protest the offer they gave me, than the original creditor will back out the deal and go for the original $12,000... i've been making payments but they are not reporting to the credit bueraus, i have not signed anything and i'm afraid if i dont't make a payment they will garnish my wages... i filed chapter 7 bancruptcy in 2002they have a noose around my neck what do i do???
please help, i'm a pisces too...lol
---------------------
i guess the car was a 40,000 plus dollar car or you were 12,000 upside down.
because they can only sue you for the difference in the selling price and what you owed them
when you repo a car you sell it and the difference is all that can be sured for.
you could be facing a judgment if you do not pay
but make sure you are paying a fiar price
ask for the copy of the bill of sale at auction after the repo
and how much you owed them

i would validate the debt
they may being trying to presure you into paying too much

the account was not included in your BK I assume
since you said it was repo
if included in bk. They can not sue you
-------------------------
every time i ask,they threaten to back out and go for the 12,000!!!
the car was a 2001 honda accord sale price $18,000 intrest and finance jacked it up to $27,000 i paid a $450.00 car note for 3 1/2 yrs when they picked it up i owed $17,000!!!!
this is the collection agency i'm dealing with and they know i've already filed bancruptcy they have me in a noose... they claim the client is being nice by dropping the price to $7,500 and if i challange them they, will go for the $12,000!!! can thy do that???
do i have to pay...all i know is what they tell me,and i've been warned not to contact the lender or else.... is there an agency that monitors collection agency practices in california?
i 've neversigned anything with this agency, i just started sending them money every month, did that hurt me? i'm only 30 yrs old and a single mother, my only source of income is my job..what can i do??
--------------------
no this car was purchased after my bancruptcy discharged. so they really have me.
-----------------------
sounds to me like they are hiding someting
contact the original lender FOR SURE
find out if the company charged off the debt on their books, if so a collection compnay can not sue for the rest as the debt was already used as a tax write of for the original creditor
validate the debt FOR SURE
contact your state atorney general FOR SURE

They can not sure your for the contract price
only the difference in what you owed and what they sold the car for.
AND
once they have accepted a lesser fee or payment plan
in tn. i don't know about cal
they can not sue you for the whole shebang
so they are bluffing.

your cal state atorney general monitors these guys
and the FTC


---------------

Charged off credit cards in Ohio.

I live in the state of Ohio and am looking to purchase a home within the next three years. Unfortunately, I came across some economic hardships a few years back and this lead to two charged off credit card accounts; one in 2003 and One in 2004. I have read articles about how severe these charge offs are on obtaining a home mortgage. I am in better economic waters now with a decent paying job. Ok so here is the problem: I have done some research about handling these charges-offs. One site suggested that I contact the creditor to see if there is any way to negotiate payment in half or in full of the amount that was originally owed. I did call the creditor directly and they referred me to a collection agency. I called the agency and informed them of my possible intentions. Was this a huge mistake given Ohio’s Statue of Limitations? I am afraid that by just contacting them, they will re-open my debt and report to the credit bureaus.
------------------
If the collections are not on your report then yes you should have left them alone I guess.
I like to pay everything i ever borrowed off if I can. Responsible Credit Man!

so arent these collections on your report?
if they are on your report what can you do wrong?
nothing.
validate the the debt
then negotiate the debt
then either pay or dispute the debt and go on with your life.
Make sure you keep open 3 reported to a bureau lines of credit to overlap past bad credit.

Get a collection removed from my credit report.

I was wondering how I can get a collection removed from my credit report? I looked up my report (Experian), and it said I had a collection for 58.00. I called the collection company as directed by experian, they said it had been paid. I told the lady it should not be on my report then, (that is what experian told me as well). How do I get them to remove this. The collection agency said they were mailing me a reciept as paid, so I could send it to Experian
----------------
Use this free universal Credit Dispute Form.
The item will come right off.
You can use a copy of the document they send you.
Remember that it will still show up as a collection
It will say collection. Paid in full 0 balance.

Charged off credit card Experian. Transunion Equifax removed account

I was hoping you might have some advice for me. I have one last charged off credit card on Experian. I was able to get this item off of Transunion and Equifax. In fact, my credit is clean and I have good revolving credit otherwise. I keep mailing the dispute to Experian, and they keep mailing me back a letter rejecting it.
--------------------
give it up and go on.
you have done all you canwait 7 years from date of last activity.
get and keep new good reported credit

Paying off old charge offs and a judgement. My credit score

I am paying off old charge off accounts, will this have any impact on my credit score. In addition, I had judgement placed in 1999, I paid it in full 10/2000. It should have been removed in 2007. Once this is removed, shouldn't my score improve? I have paid off 4 charged-off accounts this year. I live in Texas and these accounts, not all were paid delinquent when I divorced in 1997.
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it should help some. but if you have new current good credit, which one has to have, to have good scores. Not more than 20+ points.
get and keep new good credit.
---------------------
What do you mean, " not more than 20+ points?" Do you mean that paying the old bills will only increase my score by 20 points or new good credit will increase by 20+ points
-----------------
what is your score now
do you have 3 open rated lines of credit now
I mean if you have good credit now and the charge offs are more than 2 years old your credit score should be pretty strong already
-------------------
I do not know my score. I have not checked it since 2000. I am sending for it this month, and yes I have 3 open rated lines of credit.
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One should know the score and have a copy of the report
Good.
You are on the right track.
Negotiate with and pay off old charge offs. Vaildate any duplicates.
-----------------
Well, I got a copy of my score and it is 589. My plan is to pay down my balances, and pay off accounts. I am currently paying accounts, but these accounts have already been charged off, but I have an obligation to repay. How long will it take me to raise my credit score to 650. I want to purchase a new car, hopefully in June.
----------------
I would dispute some old stuff and hope
paying something off will help you greatly
june is 9 months from now.
with 3 open rated lines off good credit, some paid, some removed, 650 is reachable. Of course I never know for sure till I do it.
You can. Go for it.
--------------------
I was looking over old emails
and
your score could jump way over 20+ points and
could go up to 650
if
you keep 3 open lines of credit that are reported to bureaus and owe less than 80% on the credit limit of each.
Validate legally / then / Negotiate any old bad credit Read this page

be sure to negotiate with original creditors.
be sure to validate any duplicate charge offs
like a collection thats is also reported from a credit card or hospital or utility.

This is the right answer.
Sorry for the mumbo jumbo