DIY Credit Repair Experience

[yoyoma51]

My wife and I were discharged 2/29/08. I immediately went to work correcting errors on our credit reports.

I joined Credit Keeper (the first month is free) just to have access to all our reports side-by-side. I founds several errors (about 15 total). Accounts were showing not IIB, in Ch. 13, instead of 7, etc.

I know the preferred method is to send certified letters, but I thought I might as well start with submitting an online dispute and printing a copy of the request first. I can always send letters.

Yesterday I pulled my updated credit reports. I'm happy to report that after disputing everything online, only ONE error remains. I may have to send a letter for that one.

Why not try to save the certified letter fees and dispute online first?

PLEASE NOTE: I am not a lawyer. Bankruptcy may or may not be a best scenario for you. It depends on your situation. You may assume my advice is totally useless (my wife does, and she’s probably right). Talk to an experienced bankruptcy attorney (or three) in your jurisdiction for legal advice.

[tinroofrusted]

I personally don't recommend disputing online because you really have no papertrail.

Sending things CMRR in writing, guarantees a paper trail should you ever need to go to court. It sounds as if you are the exception though!

[bkdone]

I have had great success disputing online. I have sent copies of my discharge and creditor matrix to the agencies. Overall, the online has worked well.

[CindyLou]

I had luck online, but have learned that I have better results if i "mix it up" a bit. Eventually they will stop taking your online disputes.

[susie111]

I have collections that is NOT on my credit report. Do you know if after filing and these creditors recieves the bankruptcy notice that they would THEN report this as included in BK?

[JeepMom]

I found that sometimes they don't verify the information because you aren't explaining to them you know your rights.

I disputed something online as "never late" they did not verrify it, just stated that it can stay on as a late payment for 7 years. Waste of my time.

[tiredofdebt1]

I surrendered my vehicle and they will NOT update my report to say IIB...and discharged. I don't know what else to do..should i send the credit report to the credit bureau? I have disputed this several times and all they can say is "It's a simple interest loan". That is what updated on my credit report

[movingon]

I surrendered my vehicle and they will NOT update my report to say IIB...and discharged. I don't know what else to do..should i send the credit report to the credit bureau? I have disputed this several times and all they can say is "It's a simple interest loan". That is what updated on my credit report

Visit creditboards.com and you will find tips and hints to assist you. Good luck!

[tiredofdebt1]

Thanks Movingon...im going to check that out right now

[CindyLou]

movinon, what was the status of ypur acct when you filed?

[movingon]

movinon, what was the status of ypur acct when you filed?

I'm guessing your talking about my vehicle? It was up to date on payments. If I'm off base, let me know...