How your credit report should look post-BK

[danohio2831]

i'm not fighting with a creditor that decided to stick an account AFTER i filed for bk.

And i disputed online, and it was denied. So now I got $5k in a 'balance'.

wtf. Now i gotta mail a letter and shit. Worst case, i may hire trinitycreditservices and pay $750 and tell them to battle it out or take it to court.

I wonder if i can get the trustee's or ftc to step in. But I remember, the cr system is designed to work against the individula as much as possible. You have no legal rights except to 'sue'.

n

was this to fix all of your credit report or was the 750.00 to fix just this one issue

[anonymuse]

Don't pay someone $750 for something you can do yourself (remember let's use that fresh start wisely). It will take a few letters, but you'll get it off.

Click the "File a Complaint" link here on the FTC site: http://www.ftc.gov/bcp/conline/edcam...fo_reports.htm

[razorguns]

Don't pay someone $750 for something you can do yourself (remember let's use that fresh start wisely). It will take a few letters, but you'll get it off.

Click the "File a Complaint" link here on the FTC site: http://www.ftc.gov/bcp/conline/edcam...fo_reports.htm

easier said than done.

the 'write a letter and it'll just vanish' technique is a big ol' myth. Worked 10 years ago.

With creditors having internet access to the credit agencies - they rarley not respond. And agencies now dispute with creditors electronically so there's no mail delay.

And if you get denied, you can't just send more letters and keep disputing til it's done. Which is why it's important to dispute properly the first time.

$750 = clean up your whole report. 50-80% of items can be removed 'completely'.

btw: I complained with the ftc. I got a 'default reply letter' in response. So much for that huh?

r

[tradewiz50]

$750 = clean up your whole report. 50-80% of items can be removed 'completely'.

I would love to see their written gurantee to this effect for $750.00. I went down this road already with xxxxxxxxxxxxx $99.00 up front. $40 a month there after. They did remove a few items. But I did better on my own....

[razorguns]

I would love to see their written gurantee to this effect for $750.00. I went down this road already with xxxxxxxxxxxxx $99.00 up front. $40 a month there after. They did remove a few items. But I did better on my own....

it's guaranteed on their website. They even have former cr agency employees on their staff. They'll even review your cr for free.

$750 vs my time and headache and hours of research and worrying if i screw up once I can't dispute again - is worth it.

Kinda like filing alone or with a lawyers help. You pay for that expert knowledge.

r

[tinroofrusted]

it's guaranteed on their website. They even have former cr agency employees on their staff. They'll even review your cr for free.

$750 vs my time and headache and hours of research and worrying if i screw up once I can't dispute again - is worth it.

Kinda like filing alone or with a lawyers help. You pay for that expert knowledge.

r

Or, you take some free time, and read up on this information yourself, and save yourself $750.00.

On the other hand, I can see why some people wouldn't want to deal with the hassle themselves. Totally. It's a very long lengthy and drawn out process that can take months, sometimes years, of your life to take care of.