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"Learn the Secrets I Used to Wipe Away Negative Items on My Credit Report and Raise My Scores Over 200 Points!" FREE Credit Repair Tips - Just enter your first name & email address to the right. |
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I spoke to a Credit Repair Expert... he told me what they do in order to delete a Bankruptcy is... they have a Lawyer (must be a lawyer) pull the files from The Public Records from the city where it was filed.. then they request the bureaus to check and since the file is not there and the law requires for the physical records to be there.. then they can not verify the records are there... and they do delete the BK from credit report... MY QUESTION: Is any trick like this in order to delete Foreclosures or Short Sales ? Thank you. |
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Most public records can't be verified by the CRA's in the correct way in which they are supposed to according to the FCRA. They simply run a check to see if the record shows up in their massive database, but that is not verifying it. So, when they say they have verified it, they haven't...They have violated your federal rights by saying that they have. To properly investigate a public record, they must verify it with the courts. However, the courts won't verify that information over the phone or through the mail. Most courts will only verify it in person. That would mean someone from the CRA would have to travel to the court house and verify it. The CRAs don't have people who travel around and verify public records. It would be way too expensive. This simple fact means that they can not properly verify public records. And according to the FCRA, if they can't verify it they must delete it. Point this fact out to them and use it as leverage. Ask them for the "method of verification" or "procedural request". They can't provide it. They're breaking the law and violating your federal rights by letting it remain on your credit report once you have requested an investigation.
__________________ Chane Credit Repair Specialist Free Credit Repair Tips | Top Credit Repair Companies | Credit Secrets Bible | MyFICO The rich rule over the poor, and the borrower is servant to the lender. – Proverbs 22:7 |
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Also what you can do after disputing it with the CRAs and requesting their method of verification like Chane said.......is send the clerk of the court a letter asking what their procedures are for verifying records with CRAs (send along a self addressed stamped envelope to make it REALLY easy on them). They will write back saying that they do not verify records with the CRA. And there you go.....proof that the CRA lied. You can send a copy of that letter along with a redispute letter. That will usually get you a delete. |
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__________________ Chane Credit Repair Specialist Free Credit Repair Tips | Top Credit Repair Companies | Credit Secrets Bible | MyFICO The rich rule over the poor, and the borrower is servant to the lender. – Proverbs 22:7 |
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| If the court uses the pacer system you can pull it by computer,most courts do that now.however if the information is incorrect it's still disputable.Anybody can sign up for the pacer program.
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