Recently we applied for a mortgage loan, due to sub-prime mortgage mess, we had approval and then overnight the bank went belly-up. Permit me to introduce this life saver Lexington Law is so frustrating because I was with them for 3 years and my score only jumped by 20 points, only 3... Ali and Jose were amazing to work with even during covid19. My credit scroe is now back to 750 from 660. Greetings Ali , my husband and I are looking to purchase a home and need our score increased asap, what can we do to expedite this ? If they letters were received, then you can move to lodge complaints against the bureaus, as discussed below. HI Gregory, that’s not recommended, a block would only stop someone from accessing your credit report, and not keep a creditor from reporting . In other words wait at least 60 odd days after you send in a dispute to send in another one. Sometimes the bureaus won’t sending you the investigation results, as  they may deem your identification information incomplete. Hope this info helps, Hello. I’m trying to remove a fraudulent charge off account, what special instructions I need to follow? I wanted to ask how frequently can this letter be used, Hi Jerry, the bureaus can turn down your request to investigate if you do not wait 30 days after the completion of a prior dispute. They also collects data on the number of complaints filed against each institution and may take regulatory action against them if they notice a pattern of violations. Do I need to explicitly contact equifax to remove the remark even though the dispute is resolved? Reach out to me if you need help removing it. My credit wasn’t much of a concern to me as much as it is now so I said to myself there’s absolutely no way I’m paying them so I left it alone. Consumers are at a disadvantage every time they do this. Sorry I misread your question earlier. can you email me what I need to get going to hire you? Did EXACTLY what they sought out to do. 3. student loans like SBA loans, that are federally backed, these don’t go away unfortunately unless settled. My unprofaned gratitude goes to Dr. Ahmed Krishna, Investment/Loan adviser to some Arab Investors How long will this take ? I’m a victim of id theft, a $1million mortgage was taken out in my name. Those reports will provide you with a link to dispute online and  a phone number to for the credit bureau’s customer service dispute center. Now, with removing PG&E Collections, or utility bill collections, like Comcast collections, AT&T collections, it depends on who is reporting the account. This places the burden of proof on your creditors rather than allowing them to assume everything on your credit reports is correct. If they don’t come off with the dispute, then let me know and I can step in for some advanced intervention. When sending a letter, be sure to clearly state the reason for your correspondence. You’re off the hook! This way the collector is being asked for verifications on two fronts, by you directly and from the credit bureaus as well. The account payment history is incorrect. Simple is best. 1. I cleared my debt total of 40,000 dollars last year. As an alternative, you may dispute items with the credit bureaus online. Thanks for the kinds words Tammy, hope this info was helpful to you! they keep saying it’s still under investigation. 2. Such a great resource for credit improvement, thanks so much for sharing this with us folks Ali ! I have no other debts and recently paid off my mortgage when I sold and moved out of state (also not helping my credit) I acquired a secured credit card to begin rebuilding. Hi Billy, refer to my blog page, I have a separate blog post that deals with fraudulent items, Hi Irene, yes this would work for questionable bks. Ali, this is the problem. Kathy Potter West Virginia, I'm writing this review to appreciate Ghost Virus the credit repair specialist. https://imaxcredit.com/how-to-remove-a-30-day-late-payment-from-the-credit-report/. I then set up automatic payments to the collection agency (and not the loan servicer) and completed that program. Any serious credit repair expert will tell you never to use this method. Recent late payments:  For recent late payments within the last 2 years or on open accounts, the only way to get these expunged is by utilizing the direct creditor dispute method. Go to annualcreditreport.com and pull your reports from there. Now if the CFPB compliant doesn’t do the trick. PERSONAL INFO UPDATE LETTER Today’s Date Name: Address: Date of Birth: SSN: WHICHEVER CREDIT BUREAU Re: Letter to Remove Inaccurate Credit Information To whom it may concern: I received a copy of my credit report and found the following items to be errors. I consulted with Mr. Ali Zane over the phone 9/7 about my post bankruptcy 6 years ago where some of the accounts are reflecting negatively and... Hands-on the best talented individual I have ever had the pleasure to work with. Your letter should identify each item you dispute, state the facts and explain why you dispute the information, and ask that the information provider take action to have it removed or corrected. You can do this order to protect yourself from unscrupulous creditors and overworked credit bureaus. Hi Chaussure, yes sometimes we may need to look into more advanced options, reach out to me through the website and do let me have a look at your report, I’ll see what I can help with. Enclosed are copies of (describe any enclosed documents) supporting my position. Since they are almost 4 years old, would you go straight to the credit bureau and dispute them? My bad financial record was written off within 8days of contact. Credit rating & Personal information Monitoring › you Bureau CREDIT Credit score and Credit rating Monitoring › several Bureau CREDIT Ratings, Credit score and Information Monitoring Goodwill Letter to deliver to First Lender This kind of test goodwill standard is usually dispatched to a creditor seeking them to take away a later repayment. I just found out that the home mortgage has not been reporting to the credit bureaus that I have been making the monthly payments. STEP 6:  Wait for 30 Days for the Dispute Completion: Within 30 days after receipt of the letters by the credit bureaus, you should receive the investigation results from them. Recent collection accounts: For recent collection accounts, which fell behind within the last 4 years that are valid, the most effective way to get these expunged is to utilize the pay for delete method, where you offer to settle the account in exchange for deletion from your credit report. There are a variety of round-two dispute letters that dive into these questions. Hi Carmella, the Transunion investigation normally takes 30 days, now if 30 days have passed, you can either call them. My question relates to a collection item on my account. How can I get them to remove a dispute? I was trying to get approved for business financing and they turned me down due to excessive inquiries. {Creditor Name} {ac#}          {Reason for Dispute} Your Address Ok, so whether you take the self-help route or hire a professional really depends on your personal situation, your budget, income and the complexity of the credit problems. Box 2000, Chester, PA 19016}, RE: Investigation Request to Delete Credit Inquires. Now comes the time to figure out what to do about this problem. It is not only the right way….but in-fact the only way…. Hi Shelia, so saddened to hear about your loss. You exercise your right under the FCRA Section 609 and Section 604  to request a method of verification. I 'm using this opportunity to recommend and show my gratitude to a professional hacker OCTOPUS CREDIT SOLUTION who has proven his professionalism by... Greetings, I want to use this medium to appreciate Ghost Virus for helping me clear all negative items on my credit depriving me from a lot of things I... DEBOOTH is splendid and offers reliable, and fast services. I have been trying for years to get rid of 2 bad accounts on my credit. What would be the best way of accomplishing that? Opting out could result in fewer calls, emails and letters—however, you may also miss out on targeted offers that aren't otherwise available. The credit bureaus know the law. Can I request the bureaus to block my file to keep from creditors to report accounts ? The name of the person who verified the item to you Is there any way to dispute or remove a closed account with negative history from the credit report? Hi Norm, we may have some options to pursue, you can email me the credit report at [email protected] so I can provide you with a free consulation. So using an actual credit dispute letter and mailing or faxing it will serve you much better. A Credit Inquiry Removal Letter can be a relatively easy and effective way to improve your credit score. My current employment info { insert employer name, address and your position, if the bureau is missing this info}, I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. My date of birth { insert date of birth, if bureau has it listed incorrectly} Proof this letter works, Check out these results I’ve got for my clients! Either option means credit bureaus won't include you in the list of prescreened consumers they send to creditors and insurance companies. Hi Ken, just emailed you with suggestions and questions. It was very easy for me with the help of Globaltechnologies46 (AT) G mail (dot) Com. One is a student loan, which I let default [after believing it was still in deferment] in 2016. Are you still committed to learn how to do this  ? Hi Donald this is a common problem, to answer your question, add a paragraph on top of the letter, stating you have a merged file, and clearly state your dad’s name and dob as well as yours, if you know your dad’s ssn, put that in there too and tell them to “unmerge” the two files. I had worked with Ali 2 years ago to clear up my credit report. Box 9532, Allen, TX 75013; TransUnion Fraud Victim Assistance Department, P.O. When you call the bureaus, they will just ask you to either send a letter or go online to get a copy of the credit report. Can tax liens be expunged with this letter? The Fair Credit Reporting Act’s (FCRA) Section 611 allows for consumers to challenge questionable items on their credit reports. Did the creditor provide you with my SSN, address, and Date of Birth? Hello, I’ve tried disputing multiple times with Experian and they refuse to remove a frivolous Bank of America mortgage account from the credit report, what options do I have? I have multiple reason lates that I have disputed but they do not come off, what would you reccomend ? I’ve run into an issue with Cap One, who’s unwilling to remove their listing. Your email address will not be published. My husband’s name was first on the loan and mine was the second. Thanks Ali for the quick response. Simply fill this letter out and send it to the bureaus with your latest address proof, id , ssn copy, You sure can my friend, follow the instructions. Incorrect amount. Experian is now reporting the delinquency as 2014 for one, and 2015 for the other. Combative language doesn’t help and could hurt. Personal current address {insert correct address} For example, you may be able to sue a collector who fails to update your credit report or who does not correct your information within the time frame outlined in the Fair Credit Reporting Act . What you'll need depends on what you may be disputing. Disputing accounts which lie within the statute of limitations may incite the creditor to take legal action against you. The results will show what accounts were disputed and whether they were deleted, updated with new information or remain unchanged. Awesome article Ali, and thanks for sharing the secrets of the credit repair world! This, however, does not pertain to items that are resulting from identity theft. If you update your personal information with creditors, they will usually pass it on to the credit bureaus. (Enclose a copy of any documents verifying the personal information you are asking to be added to your credit report (e.g., if you are requesting that the credit bureaus list the name of your employer, send a copy of your pay stub). 2. Use this stop and abstain Dispute Letter To Credit Bureau Template to end debt collection phone calls. Request for investigation of credit report; Dispute letter to credit bureau “Intent to sue” letter to credit bureau; Reply to a CRA accusing you of credit repair; Send your letters to the address of the appropriate agency: Experian. Of course, you can always contact the credit bureau… Box 9556. Hello, I called experian to have my dispute comments removed from credit report. The major credit bureaus in South Africa. Hello Ali, I’ve already disputed online before with the credit bureaus, can I redispute again ? If you reviewed your credit reports and you don’t agree with some of the information contained on your report, or even if any items are questionable, you can send a credit report dispute letter to each of the credit bureaus. Equifax Or a page from your tax return, W-2, paystub or 1099 etc.