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!

Question

Posted in Credit Report
Profile Image

Question By
bsoles20

6 Contributions
79 People Helped
how do i dispute all negative remarks?
I recently talked with a lawfirm that said they can do mass disputes on all my negative remarks on my credit report. They wanted like 180 for the first mo then like 60 a mo after that. They claim that if the companies do not respond within 30 days that they will be dropped. This is the second lawfirm to offer me this was wondering if its a scam or not, how effective it is, and also if i can just do this myself? I no i can dispute a few things online but its not good to dispute everything. Also i have pulled my free credit report already and i have to wait to pull it again. If i can do a "mass verify" can someone tell me how id really like to buy a house and stop renting scores are at 624, 595, and 555. The low one for equifax is because they are only reporting neg things no positives. Tryed working the Pay for deletion with 3 collection agencies and none will go for it.

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7368 Contributions
3810 People Helped
Most Helpful Response

Don't pay. They can't delete.

Helpful to 1 out of 2 people

There are always those people who "promise" they can do something for you to help, but they can't and this law firm should go back to school and learn about the Fair Credit Reporting Act.  Negatives are part of your credit history because you were late with payments or paid less than what was required or other logical reason.  Those were actions you took that impacted your credit rating.  The negatives will disappear in 7 years from date of last activity (like when you paid it off or it was charged off) and that is required under FCRA, which is a federal regulation.

Definitely dispute anything on your credit report that is not yours, but don't try bombarding the credit bureaus with tons of dispute notices because they can't be disregarding the law, either. 

Work on rebuilding your credit scores.  Pay all bills on time and pay more than required if you can.  Get all those past-dues paid off.  After all, you utilized their granting credit when you purchased whatever goods and/or services you charged, didn't you?  It's time to repay that "loan" which is basically what credit is.

Remember to consider that a home will cost you at least 25 more than what your mortgage payment is because YOU have to pay the property taxes and the maintence.  Right now, yoiur landlord does that.

Top Contributor

Reply by
jwsister

7368 Contributions
3810 People Helped

OH YES, anyone who promises they can do a quick fix of your credit is a LIAR!!!  Want to pay a liar??  NOT ME!!!

1 Contribution
0 People Helped

Positive credit

I opened a account not knowing that they didn't report to the credit card bureau. It is all good but they won't report it. Its been several years sense I opened this account . I recently opened a account with Montgomery Ward who does report to the bureau's.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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

View your scores and reports anytime.

SIGN UP NOW

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.