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Personal Finances / Understanding Your Credit Report


Subject:  Re: New to this boards and I have questions Date:  11/30/2007  6:44 PM
Author:  AlsoChorizo Number:  663 of 667

If information is false, it shouldn't be on the credit report.

Agreed, but that doesn't seem to stop them.

That said, getting it off can be difficult, as creditors have a number of ways of getting it back on.

Yeah, like when one bureau says they got the info from the other bureau. And it was wrong there too.

You have to outlast them -- send properly-worded letters, keep disputing the items, ask for the creditor to prove that the debt is justified, etc.

I'm beginning to think this is the only way. I started disputing the entire report. The only problem is they don't really follow through with disputes (whether individual or multiple disputes). Or like I said before they get the same wrong info from the our bureaus over and over. I wish there were some laws in place to make them do their jobs and only report verified (really verified) information.

AC *you may say I'm a dreamer, but I'm not the only one*
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