Comments for The Better Credit Blog | Credit Advice For Bad Credit - Credit Repair - Free Credit Letters & Negotiation Letters http://bettercreditblog.org Your Daily Guide To Better Credit Sat, 21 Apr 2012 21:58:25 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on 3 Ways to Get a Late Payment Removed From Your Credit Report by Jenny http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2334 Jenny Sat, 21 Apr 2012 21:58:25 +0000 http://bettercreditblog.org/?p=62#comment-2334 I requested to have a late payment dating back in April 2009, they said they are unable to satisfy my demand "The modifications can be carried out in the following months, but in your case, it has been too long. We no longer have access to your credit history from 2009." Is this true? I e-mailed saying: Hello, Is there any way to do so? I have heard that other companies have directly contacted the credit bureau to tell them to withdraw this information as they will write down what they are told. If you made a formal request to remove this single late payment directly from Equifax, Transunion, and the third credit bureau they would respect your request. Please let me know what can be done as this is causing me great stress for accessing capital. I requested to have a late payment dating back in April 2009, they said they are unable to satisfy my demand “The modifications can be carried out in the following months, but in your case, it has been too long. We no longer have access to your credit history from 2009.”

Is this true? I e-mailed saying:

Hello,

Is there any way to do so? I have heard that other companies have directly contacted the credit bureau to tell them to withdraw this information as they will write down what they are told. If you made a formal request to remove this single late payment directly from Equifax, Transunion, and the third credit bureau they would respect your request.

Please let me know what can be done as this is causing me great stress for accessing capital.

]]> Comment on 3 Ways to Get a Late Payment Removed From Your Credit Report by ciecie77 http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2330 ciecie77 Fri, 20 Apr 2012 04:02:14 +0000 http://bettercreditblog.org/?p=62#comment-2330 Hi Ryan, I desperately want to purchase a home, within the next month. I've been trying to bring my credit scores up. I've been late on the walmart card and late on my hsbc card. Walmart closed the account. Is there anyway I can get the late payment erased on this closed account? My current scores are: Trans - 605, Exp - 545 and Equ - 565. Please tell me what I can do to bring up these scores. Thanks for your response. Hi Ryan, I desperately want to purchase a home, within the next month. I’ve been trying to bring my credit scores up. I’ve been late on the walmart card and late on my hsbc card. Walmart closed the account. Is there anyway I can get the late payment erased on this closed account? My current scores are: Trans – 605, Exp – 545 and Equ – 565. Please tell me what I can do to bring up these scores. Thanks for your response.

]]> Comment on 3 Ways to Get a Late Payment Removed From Your Credit Report by Randy Palmer http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2324 Randy Palmer Tue, 17 Apr 2012 15:06:48 +0000 http://bettercreditblog.org/?p=62#comment-2324 Great job with this information, more importantly #1. I tried that with US Bank and while it was a hard push, it actually worked for two 30 day hits I had. Great job with this information, more importantly #1. I tried that with US Bank and while it was a hard push, it actually worked for two 30 day hits I had.

]]> Comment on $25 Amazon Gift Card Giveaway – Share Your Credit Story by dixon bowie http://bettercreditblog.org/2012/03/11/25-amazon-gift-card-giveaway-share-your-credit-story/#comment-2322 dixon bowie Sun, 15 Apr 2012 01:38:32 +0000 http://bettercreditblog.org/?p=819#comment-2322 Jim- Credit report bumpage on equifax and transunion is still present. You just have to find the correctly coded soft enquiry. The best credit monitoring product at present for bumpage is identitysecure.com. It can be used daily- but only with a secure credit card number from citibank or bank of america. $1 day gets you a soft for B* on equifax and transunion from first advantage credco. Jim-
Credit report bumpage on equifax and transunion is still present. You just have to find the correctly coded soft enquiry. The best credit monitoring product at present for bumpage is identitysecure.com. It can be used daily- but only with a secure credit card number from citibank or bank of america. $1 day gets you a soft for B* on equifax and transunion from first advantage credco.

]]> Comment on 3 Ways to Get a Late Payment Removed From Your Credit Report by Roby http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2303 Roby Sat, 07 Apr 2012 14:40:37 +0000 http://bettercreditblog.org/?p=62#comment-2303 Macy's is messing with me as well. Suchi, it would be helpful if you could post the outcome of your disputes here. Macy’s is messing with me as well. Suchi, it would be helpful if you could post the outcome of your disputes here.

]]> Comment on 3 Ways to Get a Late Payment Removed From Your Credit Report by JenC http://bettercreditblog.org/2008/09/11/3-ways-to-get-a-late-payment-removed-from-your-credit-report/#comment-2280 JenC Tue, 03 Apr 2012 09:24:55 +0000 http://bettercreditblog.org/?p=62#comment-2280 I have several late payments on a vehicle that was recently paid off...I would like to buy a house soon but that is the main thing holding me back. Any ideas? I have several late payments on a vehicle that was recently paid off…I would like to buy a house soon but that is the main thing holding me back. Any ideas?

]]> Comment on Statue of Limitation On Medical Bills by Natalie Castor http://bettercreditblog.org/2009/05/26/statue-of-limitation-on-medical-bills/#comment-2235 Natalie Castor Tue, 27 Mar 2012 23:43:09 +0000 http://bettercreditblog.org/?p=346#comment-2235 I have some medical bills from an accident in 2006 that the insurance company didn't pay. I know the statue of limitations is 3 years in Colorado. I'm wondering if there is anyway I can dispute these medical bills to be removed from my credit report? I have some medical bills from an accident in 2006 that the insurance company didn’t pay. I know the statue of limitations is 3 years in Colorado. I’m wondering if there is anyway I can dispute these medical bills to be removed from my credit report?

]]> Comment on Want a Collection Entry Removed From Your Credit Report? Try Asking. by Tony http://bettercreditblog.org/2007/12/15/want-a-collection-entry-removed-from-your-credit-report-try-asking/#comment-2197 Tony Mon, 19 Mar 2012 18:52:43 +0000 http://bettercreditblog.org/2007/12/15/want-a-collection-entry-removed-from-your-credit-report-try-asking/#comment-2197 I am in a situation where I have asked the collection agency to forgive my credit report and remove the mark if I make full payment ASAP. I was told by the woman that according to the fair credit reporting act that she cannot even legally do that? Is that true, if so I don' t understand how I have seen so many success stories. I really do not want to make full payment until I can reach some type of agreement with them. Should I work with the original creditor to see if I can make good with them? Also, do I need to work with the original creditor regardless because the were the ones who were owed the debt if I in fact want to clear this of my record? I just want to get this wrapped up and also cleared up if possible. I currently have never had and still have only this mark on my credit report along with one late payment on a credit card from 6-8 years back. I would hate to see that screwed up because of this, thanks in advance for your help. I am in a situation where I have asked the collection agency to forgive my credit report and remove the mark if I make full payment ASAP. I was told by the woman that according to the fair credit reporting act that she cannot even legally do that? Is that true, if so I don’ t understand how I have seen so many success stories. I really do not want to make full payment until I can reach some type of agreement with them. Should I work with the original creditor to see if I can make good with them? Also, do I need to work with the original creditor regardless because the were the ones who were owed the debt if I in fact want to clear this of my record?

I just want to get this wrapped up and also cleared up if possible. I currently have never had and still have only this mark on my credit report along with one late payment on a credit card from 6-8 years back. I would hate to see that screwed up because of this, thanks in advance for your help.

]]> Comment on $25 Amazon Gift Card Giveaway – Share Your Credit Story by Ryan http://bettercreditblog.org/2012/03/11/25-amazon-gift-card-giveaway-share-your-credit-story/#comment-2186 Ryan Sat, 17 Mar 2012 02:21:39 +0000 http://bettercreditblog.org/?p=819#comment-2186 Got it! Got it!

]]> Comment on $25 Amazon Gift Card Giveaway – Share Your Credit Story by Gary http://bettercreditblog.org/2012/03/11/25-amazon-gift-card-giveaway-share-your-credit-story/#comment-2180 Gary Fri, 16 Mar 2012 11:35:56 +0000 http://bettercreditblog.org/?p=819#comment-2180 I just sent in mine. Hope it's not too late! :) I just sent in mine. Hope it’s not too late! :)

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