CA Credit Report Repair: Where can I obtain a form letter to send to creditors?
Where can I find a legal form letter to send to creditors on my credit report to dispute and/or request them to remove themselves from my credit report?
My ex-husband’s credit items are showing up on my credit report, so I’d like to begin working on getthing that stuff off.
Ahh… I can do this online? That is awesome! I will find that and do it.
And, no, these are not my accounts at all, so I’m not on any of them that I’m trying to get removed.
Oh Goodness! Let’s hope it doesn’t go down THAT road! I think these are things that happended while we were in separation and legally married while waiting-out the 6-month divorce period.
I’m unsure how the Community Property stuff works or if that still makes them MY debts or not.
You are doing this the hard way. Just dispute the information online with the credit reporting agencies and let THEM do the work. However, if you name is on these accounts as joint credit, they cannot and will not remove them from your credit. Not even the creditors themselves will do that. However, if these are recent postings on your credit, THEN your ex might be using your identity to obtain credit. If that is happening, you pretty much must press charges against him or else it will appear that you are complacent with his activities.
Public filings in all its forms: For credit repair
How can I repair my bad credit when all my cards are on charge off status?
My debts are about 3 yrs old now, and in charge off status. When I called up the companies trying to pay off these debts, they kept sending me to different depts and finally I got tired of the runaround. I really want to get my credit back in shape but don’t know how to go about it. Any ideas?
A charged-off credit card means that your account is closed with the creditor and they have “charged-off” the debt as bad (uncollectable). They still expect you to pay the debt and can even file a lawsuit against you, but it all depends on how much debt are you talking about and what is your ability to pay? It’s worthless to sue someone who has nothing, if you get my point. However, many credit experts will argue that you are in the driver’s seat and you need to negotiate a deal which will do the following:
1. Only pay on debts that you can negotiate an amount and agree (in writing) with the creditor that they will not report it to the credit reporting agencies. Note: if you start making payments, this bad debt will stay on your credit report 7 years after your last payment. For example, if it took you 5 years to pay off this bad debt – it would impact your credit for an additional 7 years (in essence 12 years).
2. Negotiate with the owner of the debt – not the collector.
3. Use cash or pre-paid credit cards (stop charging).
4. Do research before you start paying on charged-off debts.
