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Across the Fence:  Disputed my Credit Report!!  |
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Alee
True Blue Farmgirl
22941 Posts
Alee
Worland
Wy
USA
22941 Posts |
 Posted - Jul 08 2010 : 11:09:03 AM
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I disputed about half the items on my credit report- and most of them got removed! My credit jumped +32 points in just six weeks! I still have more disputes to do.
Basically if the companies can't provide documentation substantiating a debt or a negative record- they can't report to your credit!! It's amazing and it might mean that by this time next year we might be able to get a mortgage!! That would be amazing since we already pay as much as a mortgage for our rental! ($700 a month!)
Between paying off bad debts and disputing I am hoping to fix my credit over the next few years!! Here's hoping!!
Alee
Farmgirl Sister #8
www.awarmheart.com
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
Put your pin on the farmgirl map! www.farmgirlmap.blogspot.com |
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mommakatof2
True Blue Farmgirl
62 Posts
nieki
dalhart
texas
USA
62 Posts |
Posted - Jul 08 2010 : 11:12:21 AM
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| Wow! That's amazing. |
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kristin sherrill
True Blue Farmgirl
11303 Posts
kristin
chickamauga
ga
USA
11303 Posts |
Posted - Jul 08 2010 : 11:32:07 AM
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Good for you, Alee! That's what everyone needs to do. I think they stick some really stupid charges on the bills that we never question. I hope you get where you want to be real soon. Jenna at www.coldantlerfarm.com is doing some "lessons" on how to get your credit built up and on how to look for and buy a farm. She did it herself in less than a year. I love her blog. Very interesting. Keep it up. You'll get there.
Kris
Happiness is simple. |
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Sarahpauline
True Blue Farmgirl
672 Posts
sarah
Ringgold
GA
USA
672 Posts |
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Alee
True Blue Farmgirl
22941 Posts
Alee
Worland
Wy
USA
22941 Posts |
Posted - Jul 08 2010 : 12:04:38 PM
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Sarah- I have identity theft protection through Trilegiant Corp so they did all the hard work for me. I just called and told them what I wanted to dispute and they filed the paperwork for me. However you don't have to have a service do it for you. You can contact the three credit bureaus (Equifax, TransUnion, Experian) and file a dispute paper with them. The reporting companies have a certain amount of time to respond to a dispute or it gets taken off!
Alee
Farmgirl Sister #8
www.awarmheart.com
www.farmgirlalee.blogspot.com
www.allergyjourneys.blogspot.com
Put your pin on the farmgirl map! www.farmgirlmap.blogspot.com |
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1badmamawolf
True Blue Farmgirl
2199 Posts
Teresa
"Bent Fence Farms"
Ca
USA
2199 Posts |
Posted - Jul 08 2010 : 12:37:16 PM
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Mailorder companies that will give you credit, like book clubs and craft clubs, etc, are notorius for giving inacurate info to the credit report companies, also everytime a company checks your credit, but doesn't open a credit line, that will hurt your credit also.
"Treat the earth well, it was not given to you by your parents, it was loaned to you by your children" |
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graciegreeneyes
True Blue Farmgirl
3107 Posts
Amy Grace
Rosalia
WA
USA
3107 Posts |
Posted - Jul 08 2010 : 2:04:47 PM
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Good for you Alee!!
Amy Grace
Farmgirl #224
"use it up, wear it out, make it do, or do without"
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Across the Fence: Disputed my Credit Report!! |
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Disputed my Credit Report!!
