Free Credit Bureau Report

Driving-on-E asked:


Ok I have been told that you can contact the credit agency and make an arrangement where you pay the bill and in return have them take it off your report all together not just seen as paid is there any truth to this and if so how do I go about doing it do I contact the actual company of debt, the credit collection agency, or the 3 credit bureaus and I have also been told to ask for it in writting before I even start to pay on it is that true as well I really want to get this credit crap cleared already please help
P.S. I have recently disputed all my creedit reports and one was actually removed (so cool!!!) iif you know any other tricks to either remove items all together or have them reduced please feel free to mention them and again thanks

Jamie

nra2877 asked:


I hear time and time again that I should write to the credit bureaus to dispute negative accounts whether they are accurate or not. So I’m going to give it a shot but I need to know what to do first.
First, exactly what am I supposed to write? I have no idea how to do this.
Next, should I write a separate letter for each negative account to each credit bureau? That will take me forever as I have quite a few negative accounts.
How do I know if the disputes are removed or not? I only check once a year with the free annual report. Will the bureaus contact me?
If anyone has any other tips or advice I’d appreciate them all. Thanks in advance.

Justin

Wayne K asked:


There address on their sight says they are located in Canoga Park Ca. They say the first 30 days of you’re credit report from Equfax with credit score and monitoring of the three major credit bureaus for alerts on you’re credit reports is free. Then after the 30 days it says it will be 11.95 a month charged to you’re credit card. Would it be wiser to get it directly from equifax then to use CreditReport.com?

Reginald

guardrailjim asked:


I read this on “About.com”

After receiving your dispute, the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor (however, it is the debt collector who sends it to you). It is not enough for the collection agency to simply send you a printout of the amount owed.

If the debt collector “does not verify the debt within 30 days”, it is not allowed to continue collecting the debt from you nor can it list the debt on your credit report. Should the debt collector list the debt on your credit report, you can dispute the debt with the credit bureau. Sending the credit bureau a copy of your debt validation letter along with the certified and return receipts will help get the account removed from your credit report.

Luis

VBPRODIGYest.89 asked:


my bank of america credit crd debt was sent to the er solutions collection agency and the bank of america Representative gave me the number to call the agancy. i called, we agreed by phone to a settlement of $587(on a $820 balance). i paid the settlment directly to the bank of america branch. i called back the collectiion agency and gave the representative the transaction number on my reciept. she said everything was fine now . she also told em to go to free credit report.com and get specifically a experian credit report ,which i did and then she asked for my address to which she would send a letter to me .. that i would have to send to the credit bureau.i dont quite remeber what it was for. it hasnt been sent .. and ive called back 3 times n the same lady always says im so sry and ask to verify my adress and she will send another one.i paid the settlement on april 15th it is now june. i dont kno what to do ? any ideas or advice? im pretty sure im being scammed but i dont know how to fix it. i stil have the reciept from bank of america as proof that i gave them the settlement. i dont kno if that will help me though
thanks mar c .i will defintely call BOA tonight..but.. im still scared that maybe BOA doesnt know of the settlment amount.what if they dont know and they dont know it was for my account. because it was charged off(as stated inmy credit report)..What if they still want me to pay the balance? how will i kno? i havent recived any BOA statements. i just want to be sure everything is fine….And should i be concerned about not recieving that letter from ER solutions?

Terri