I have a few collections that are past the 4-year status of limitations (PA). I want to dispute them online directly on the credit bureaus web site but some say writing letters directly is best.
I have a voluntary repo from 2003 that is from Americredit and it has always been with the original debtor. Can this be disputed or should I wait until it falls off in Aug 2010? And when it's time for it to fall off, does it come off automatically or do I have to mail a letter to all 3 bureaus?
I have some credit cards all under $1,000 that is less then two years old. I know I can't dispute these but what's the procedure on offering a settlement? Do I need something in writing stating that the debt is paid/satisfied even though it might only be half of the original debt?
I started a spreadsheet, keeping track of all the collections/debts so I can monitor my progress. I'm planning on buying a house in the next 18 months and hope my credit is repaired by then.
Any info/advice would be greatly appreciated.
I have a voluntary repo from 2003 that is from Americredit and it has always been with the original debtor. Can this be disputed or should I wait until it falls off in Aug 2010? And when it's time for it to fall off, does it come off automatically or do I have to mail a letter to all 3 bureaus?
I have some credit cards all under $1,000 that is less then two years old. I know I can't dispute these but what's the procedure on offering a settlement? Do I need something in writing stating that the debt is paid/satisfied even though it might only be half of the original debt?
I started a spreadsheet, keeping track of all the collections/debts so I can monitor my progress. I'm planning on buying a house in the next 18 months and hope my credit is repaired by then.
Any info/advice would be greatly appreciated.
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