Remove
Negative Items
Often
you have to write multiple letters to
remove negative items from your credit
reports...
From: Kate
Corydon, Southern Indiana
Wednesday 09:10pm
Kate Rieger
Remove Negative Items From Your Credit
Report
|
You got
your response from the credit bureaus
and they said something like "the
disputed item is verified". Now
what?
I'm pretty sure I warned you that you
have to have tenacity to get through
this program. If you do it will
save you a lot of money.
Often you have to send off a second,
third and even fourth dispute letter to
the credit bureaus to successfully
remove negative items from your credit
report.
To refresh your memory, go after the
items that are hurting you the most.
Here is a list of them in the order of
negative impact to your credit report.
- Bankruptcy
- Foreclosure
- Repossession
- Loan default
- Court judgments
- Collections
- Past due payments (less than 30
days late)
- Late payments (30+ days late)
- Credit rejections
- Inquiries
You
always want to go for a complete
deletion of any bad information.
Don’t bother challenging the information
within a collection listing, charge-off,
court record, repossession,
foreclosure, or settled account.
If you succeed in changing the content
of the listing you won't achieve any
improvement in credit scores because the
item is negative. Severely
negative listings must be disputed on
the basis of complete deletion or not be
disputed at all.
Always provide a reason for your
dispute.
Here's
the reasons you can use. Use only
one reason per dispute and move onto
another reason for your follow-up
dispute letter.
- Not
mine
-
Wrong amount
-
Wrong account number
-
Wrong original creditor
-
Wrong Charge-off Date
-
Wrong Date of Last Activity
-
Wrong Balance
-
Wrong Credit limit
-
Wrong Status (there are about 20)
-
Wrong High Credit (the highest
amount you used)
- I
didn't pay late that month
For
example, the first time you challenge a
listing, you would say the account is
“not mine.” The second time through, you
would say “never late.”
If you are
interested in starting your own credit
repair today all you have to do is
enroll in my free online mini course
called
"Extreme Debt Reduction & Credit Score Boosting Strategies That 98% Of Borrowers
Will Never Know -- And How
You Can Learn These Strategies Too..."
Well, the title is a bit
long, but the course has 7 concise lessons that you can refer back to at any
time. To
start this free, online mini-course, please complete the short form below
and you can start immediately -
Yes Kate - I
want to start today!
What others are saying...
Hi Kate,
I do want to thank you so much for your quick and thorough responses to my questions. I am amazed at the amount of information you manage to deliver. Your
program is terrific.
You give an awful lot of personal attention that can never come from a computer
program.
Thanks for everything - I mean it!
Melissa
Louisville, KY
__________________________________________________
Dear Ms Rieger,
God Bless You!
You treated me like I was someone
important. I thank you for that and for showing me how to improve my FICO
scores. You are truly amazing!
Sincerely,
Roberta D.
Jeffersonville, IN
__________________________________________________
Credit Rejuvenations Rocks!
Dave
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P.P.S.
Remember, if you haven't done it yet, make sure you
get your free Special
Mini-Course entitled "Extreme Debt Reduction &
Credit Score Boosting Strategies That 98% Of Borrowers Will Never Know --
And How You Can Learn These Strategies Too..." by completing
the sign-up form above.
Warmest Regards,
 |
