Holy cow! It worked!!!

[tinroofrusted]

Two negatives, that I disputed WITH the company, have been completely removed from my credit report, and my scores went up 20 points!!!


I am still waiting for three more to come off...


KEEP AT IT FOLKS!!!

This fantastic!!!

[aa06a47]

Did they come off all three credit bureaus, or just one? I have experien right now, and have disputed a couple of items. If they get fixed, I am curious as if the creditors will change it on all 3 credit reports.

[FloridaGirl]

Tin, were they items which were actually correct, or incorrect? I'm wondering how often creditors will remove things just because they don't want to go through the leg-work of proving them true. What was it that you disputed with these two places? Was it just charge off's or late payments, or something like that?

Man, you sure are getting great results! I hope we can all be so lucky!

[SleeplessInMI]

Cool! I was just coming here to brag about my success too

I started working on my TransUnion CR a little over a month ago. First I disputed what I wanted off my report as not mine. It worked for a couple but hey, I'll take 2 (a charge off and derogatory) out of 5 removed. The remaining 3 that verified the info was then disputed to be IIB. I did everything online at the TransUnion website. My TransUnion report is where I want it to be now and my score jumped over 100 points. It's great to see your work paying off like that.

I agree... keep at it!

I'm wondering how often creditors will remove things just because they don't want to go through the leg-work of proving them true.

The info is removed when the creditor doesn't respond within 30 days. If they know you filed BK and they won't get their money anyways they may just not respond and the info is then automatically removed. But these days most will respond. With everything computerized it is much easier for them to retrieve the info.

I hope we can all be so lucky!

No need for luck. Just keep on the CRA's to they get your info right.

Off to do Experian next...

[Jman30]

I have spent the last three days disputing everything online AND in writing for all three credit reports. I am currently about halfway through a Chapter 13 and when I pulled my credit...whoa. Items were still showing as Charged Off AFTER our filing date....Ford Credit even posted out debt as "CHARGED OFF" even though we were completel current with them up until the filing date!

I have finally been able to focus on my credit after the hell of filing the Chapter 13, going through the Claims process, etc. Thanks to everyone out here, especially tinroofrusted for your help. I even disputed items that were Charged Off before BK, just in the off chance I get lucky.

[robbndawn03]

This was the post I was trying to find earlier glad I found it.
I had a question what happen if after you dispute not mine , and this creditor shows 6 months past due with a balance .. Can you go back and say okay now it is included in BK .. I had disputed everything included the BK and it was taken off but what I do not understand is even after getting it off and now it only shows on one credit burea I think transunion but anyways now I have a mix of BK accts and no BK reported? I have heard and by reading on all these credit forums this procedure works ,, But what do you do now ? what if after I reported not mine BK and now send in included in BK ... Thanks for all your help... Great site.....
Dawn

[Roadrunner]

I don't know if they keep or ever look at old disputes again.

Regardless they are not supposed to but something back if it gets deleted for being unverifiable. I'd still be a little nervous going the "IIB" dispute though. Perhaps try writing to the creditors directly, notify them that they are reporting wrong and that they are violating your rights? (I don't know the right statutes to quote, but perhaps others can help with that?)

[robbndawn03]

I called capital one and they said they never recieved proof of discharge they want me to fax them the paper.I kinda did feel weird disputing again with a IIB... So I faxed Capital one my discharge papers. Hopefully they will at least update it because the way it is now is killing me.= 6 months late ... that cannot be good.. well thanks for the advice ..