removal of disputing items on credit report

[dkNY]

I cant resist the opportunity to clear up something I was wondering on this topic about disputing claims on credit reports bogus, or not. I just read the recent post "I just got my Bk off my Equifax" I did not want to add more confusion by throwing this into the mix.

I am not sure if disputing items only applied to bankruptcies, not to CC default judgments i never showed up to dispute in court when i had the chance.

I have TONS of Judgments and bad accounts dating back about 6 years up until now. I have not bothered to look in a long time to see whats up for sure. I know its several pages long and not a pretty picture.

Since there was no Bk and a lot of these bad cc debts, etc were sold, charged off, sold again, would the dispute method be beneficial? Lets say 50 percent came off, would they most likely stay off since it wasnt BK? Or does the default judgment void any chances to dispute a derogatory credit remarks that were never listed in a BK, because i never filed. (still deciding on Chapter 7) I know for a fact that some of my judgments are listed twice but different names and real large. For a general example of what i mean on some of the smaller accounts.......creditor X was bought out by Corporation Y while I was paying, but then sold debt to collection agency A, who sold to collection agency B. Seems like there would be a lot of "verifcation" all these years later that would never get done. With the housing and credit slump I would think there will be some very busy people who have to respond to this stuff in 30 days?? I know that some of the negatives are not legit anyway but still not sure who has to do the mechanics of verifying in a certain time limit.

This could be a deciding factor in filing or not since the judgment storm should almost be over by now. Sorry if its a stupid question or posted in the wrong place at the wrong time, but a light bulb turned on in my head when i read the thread that took a big jump in this direction.

[Flamingo]

I cant resist the opportunity to clear up something I was wondering on this topic about disputing claims on credit reports bogus, or not. I just read the recent post "I just got my Bk off my Equifax" I did not want to add more confusion by throwing this into the mix.

I am not sure if disputing items only applied to bankruptcies, not to CC default judgments i never showed up to dispute in court when i had the chance.

I have TONS of Judgments and bad accounts dating back about 6 years up until now. I have not bothered to look in a long time to see whats up for sure. I know its several pages long and not a pretty picture.

Since there was no Bk and a lot of these bad cc debts, etc were sold, charged off, sold again, would the dispute method be beneficial? Lets say 50 percent came off, would they most likely stay off since it wasnt BK? Or does the default judgment void any chances to dispute a derogatory credit remarks that were never listed in a BK, because i never filed. (still deciding on Chapter 7) I know for a fact that some of my judgments are listed twice but different names and real large. For a general example of what i mean on some of the smaller accounts.......creditor X was bought out by Corporation Y while I was paying, but then sold debt to collection agency A, who sold to collection agency B. Seems like there would be a lot of "verifcation" all these years later that would never get done. With the housing and credit slump I would think there will be some very busy people who have to respond to this stuff in 30 days?? I know that some of the negatives are not legit anyway but still not sure who has to do the mechanics of verifying in a certain time limit.

This could be a deciding factor in filing or not since the judgment storm should almost be over by now. Sorry if its a stupid question or posted in the wrong place at the wrong time, but a light bulb turned on in my head when i read the thread that took a big jump in this direction.

Disputing errors on your credit report does not apply only to bankruptcy. If you have duplicate listings or other blantant errors on your report (referred to sometimes as "duplicate tradelines"), you can dispute them and get the errors corrected and the duplicate listings removed. In the Equifax and BK removal posting, it was clear that the BK removal was obtained by sending in invalid disputes to the credit reporting agencies in the hopes that the system could be beat and have the BK removed as to the listing from the Court. Unfortunately, as will be found out, either the information removed will reappear later as records/information are updated or, as to the BK creditors, the CRAs will see what the person is trying to do and advise them to contact the creditor directly since the information they have has been verified. So in plain words, getting the creditors' BK information off reports just will not happen.