Next steps?

[malbone60]

So I disputed some files on my credit report that I got from annual credit report.com

My question is...

1) If I have settled charge offs with CA's what should I say to the CRA's in order to have them removed?

2) Some of the charge offs I paid have been deleted from my credit report although some have been updated as "collection paid". Is there any way to get these collection paid listings off of my credit report?

Transunion and Equifax have finished their investigations. Experian will be done within the next week or so. Once experian finishes next week I am going to order a new updated report from MyFico.com for all three CRA's


Once I have my reports updated from each CRA from myfico, which I will do next week once experian has finished investigation...

1) I have a ton of inquiries on my credit report due to collection agencies over the past couple years, what do I need to do to get both soft and hard inquiries removed to help boost my score

also, is there anything else I am missing or can do to help?

[CreditCrisis]

I wish I could offer some advice, but I'm actualy curious of the same thing myself. You just worded it a lot better! :D

[chane]

Originally Posted by malbone60

1) If I have settled charge offs with CA's what should I say to the CRA's in order to have them removed?

You don't need to say anything. Tell them to prove that they belong on your credit report or delete them immediately.

2) Some of the charge offs I paid have been deleted from my credit report although some have been updated as "collection paid". Is there any way to get these collection paid listings off of my credit report?

Yes, dispute them. Same as above.

I have a ton of inquiries on my credit report due to collection agencies over the past couple years, what do I need to do to get both soft and hard inquiries removed to help boost my score

also, is there anything else I am missing or can do to help?

You don't want to dispute soft inquiries. They don't count against your credit score, so it's a waste of your time. Dispute the hard inquiries. Again, request proof that they belong there and delete them immediately.