Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

1 Contribution
0 People Helped
Direct dispute how to start it and win?
So I just started trying to really focus on rebuilding my credit, I'm around a 580 right now and was recently approved for a cap one quick silver card (yay!). I would like to be able to finance a new vehicle before winter so I want to get my credit as high as possible over the next several months. I currently show 4 accounts in collection, 3 from portfolio recovery and one with midland credit. From what I can tell, most of these accounts were opened in 2008 and have been inactive since 2012. But I can't tell exactly which accounts these collections originated from! I'm sure one of them was my exhusbands car that I co-signed for and he stopped paying on after the divorce, based on the amount I'm thinking that's the one that Midland has, but again, I'm not sure.
For anyone who has used the direct dispute option to get rid of old debts what was your experience like? Did you find yourself in a similar situation as me with not knowing exactly what debt it what?
Has anyone lost a direct dispute, and if so, did it do anything negative to your score?
Thanks in advance for helping out this newbie!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.