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No one really knows if it works. I've just seen a lot of testimonials of people having better results when using handwritten vs. typed. The purple/teal italic font is a tactic that why chat has used and recommended for years. CRAs use a reading/scanning system that can read printed material on a plain background. It's basically a sifting system........the letters that can be scanned and read by the computers will be answered automatically/electronically (by matching the info to what they have in their database provided by the CAs and OCs). The letters that cannot be scanned will be sent to a different department where a person has to open it up, read it and then decide which "number" your dispute falls under (not mine is a certain number, never late is a different number, etc). So the theory is.......it will give you a better chance if it's not answered electronically. Some people don't think it works......others do. I honestly think that if it can give you better odds.......why not. I personally hand write all of my letters..........but I can totally understand people not wanting to (takes too much time, arthritis).......and this gives them an alternative. While we're on the subject of disputing methods improving your chances.........another thing that people think really works is disputing the same TL for numerous reasons. Pretty much picking apart the way it's being reported and disputing several things on one TL. By doing that........it can make it confusing since they won't know which "number" to assign to the dispute..........and possibly make it easier to get a delete. I have not tried that one myself.........just read about people having success with it.
__________________ ~Trish~ |
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I don't think anyone can tell you "for sure". I guess it can be done, but it is a very hard process and I really think a matter of luck. You'd need to start first by removing all items that were a part of b/k off the report first, inc. addresses, etc. and that will increase chances. My 7 years is almost up and I have yet to come close to getting it removed. It'll probably be on for 10 years!! |
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Most of my accounts have fallen off my bankruptcy since the seven years has gone by since I filed. Chane, how did you get your bankruptcy removed? What reason did you use to dispute it? Or do you really need to give a specific reason? Thanks...
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I am in the beginning stages of working on my girlfriends bankruptcy. I had her order her credit reports and we are waiting on the last one to come in the mail I also am having her opt out. So what is my next step? Send a letter to the courthouse requesting how they verify information or what? Any help would be greatly appreciated. Since I cant always be in the forum! Thanks again |
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As for myself I was informed that I have tax leans on my credit report but when I received the paper from the state and fed I paid them and have a letter proving this. I was told they would not go on my credit report if I paid them but there they are!!! What do I do about the tax liens on my report. Thanks |
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