Score is 541, trying to purchase a home

[srjjames]

OK, I've been reading this forum for about 3 weeks. There is alot of good information!!! I have signed up with 3 credit repair agencies. I wanted to go with Lexington, but they told me that they are not able to do anything Louisiana residents. Anyway, the largest problem on my credit report is my PRIVATE student loans:eek::eek:. I have paid them late 3 times in over two years. I did pay them...it's just that they were 30 days late 3 times. We are having the hardest time getting the lates removed? Any suggestions...I am currently current on them. I owe $82,000 on them. Another problem that I have with them is that my mom co-signed on them so it's messing up her credit also? What can I do about this? I have a 1 judgment. The judgment came off of my Equifax report, but it's still on Experian and Transunion. Not sure what the next step it to get that off. I have 1 charge off account. Should I try a PFD? I also have a OC with a lot of lates. I'm currently paying them. Should I try a PFD with the OC also? I paid my truck payment late 2 times. One time it was a mix up with the company. I wrote a good will letter, but I still have not heard anything yet. When I send the goodwill letter should I send it CRRR? I sent it to the CEO of GMAC, because I was not quite sure who to send it to. Anyone that can please answer my questions will be greatly appreciated.:o:o

[chane]

What have you tried so far? Have you disputed them at all?

[srjjames]

I have tried disputing everything several times. I've sent GW letters and PFD letters and nothing has happened. Everything keeps coming back verified when I dispute.

[chane]

Honestly, there is not much else you can do. I would try disputing them a different way. Your chances of getting them taken off after several disputes is rather slim, but not impossible.

[srjjames]

Hi Chane,
What are some other ways that I can try disputing these items?:confused::confused:

[chane]

Originally Posted by srjjames

Hi Chane,
What are some other ways that I can try disputing these items?:confused::confused:

It depends how you have already disputed them. What did you say in your dispute?

[srjjames]

I have disputed the lates saying that I never paid them late. I did this about 5 times. I also dispute the settled accounts saying that I settled the accounts and that CA agreed to deleate the items. What else can I do differently. I also did a pay for delete on my discover card. I offered to pay the 30% of the balance if the would delete the TL. Is there something else that I can do?

[srjjames]

One of the items that I disputed was with HSBC. The mailed me a letter today saying that they received multiple disputes regarding this account, and based on their investigation they are reporting it as Paid in full, after charge off. This is still hurting my score because I had multiple lates on this account. How do I go about getting the entire TL deleted?

[chane]

Originally Posted by srjjames

I also dispute the settled accounts saying that I settled the accounts and that CA agreed to delete the items.

This is the problem. You just admitted to the CRAs that you paid the account. If you pay an account, it means you are admitting that the account is yours. By law they can report paid collection accounts for 7 years and they still effect your credit scores negatively.

Do you mind if I ask who told you to dispute it like that? If someone told you here at this forum, we need to find that thread and delete that post, because that kind of bad information can be extremely damaging to others and I don't want it on my forum.

One of the biggest mistakes people make is giving a reason for the dispute when they don't need to. They feel compelled to come up with a reason why it shouldn't be on their report. When they do that, they often times admit something that doesn't need to be admitted and that's what the CRAs want you to do. The burden of proof is on the them! THEY have to prove it belongs there...unless you already admit to them that you paid it.

Dispute it again and don't give them a reason. It's a long shot since you already admitted that the account is yours, but it's worth a try. Just say something like this:

Please provide documentation that the following accounts belong on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.

[srjjames]

OMG, Hopefully I have not messed everything up. I did read it someone on the forum...not sure where to say that the account was settled and the CA agreed to delete it. I will have to look back to find it. I'm going to try disputing it again with what you said to add.