HellBill » Hell Bill Area: » Bill Collectors » Fixing my own credit

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  #1 (permalink)
: I am looking to fix my credit to buy a home, i was going to pay a company Ez choice in irvine Ca $1978 to clean it up but i started doing some reserach and found out i can do it pretty mnuch myself..all i have is collections account for medical things maybe 1 or 2 credit cards..i know i will have to dispute them possibly more than once to get them deleted..my question has anyone done this on there own? All my collections are VALID. But you can still dispute them i know

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  #2 (permalink)
: credit repair companies = scams
my bookstore (barnes and noble) had about 10 books on credit repair. get one.
disputing won't do much. been there. done that. if its yours, it's yours.
i offered a company half of the bill and they took it. I sent them a money order.
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more..
  #3 (permalink)
: Disputing them will not do the trick. You have 2 choices, either pay them off or wait the 7.5 years and it will fall off automatically.
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  #4 (permalink)
: Good thing you didn't waste money with that credit repair company. They are scams and can't do a thing to fix your credit.

Disputing legitimate items is NOT going to fix your credit. That's the prime method of credit repair companies and it just does not work. When you file a dispute with credit bureau, they contact the creditor to verify. Not only will most creditors verify, but you will stir them up and the collection calls will start. You might even see a summons for those credit cards.

Even if something does fall thru the cracks and get removed, it is likely to show back up when the creditor next updates or the debt is sold to another collection agency.

In any case, sending multiple disputes for legitimate items is more likely to get you tagged by the credit bureaus. They pretty much ignore your disputes and you will have problems getting real errors fixed.

If you want to buy a house, you need to negotiate settlement on those defaulted accounts. Mortgage lenders will require all derogatory items be resolved. You can probably settle for 25% to 50% in a lump sum, depending on how old the default. You may even be able to get a pay for delete agreement for the medical bills if they are not too old. Just be sure to get any settlement agreement in writing and do not give the collector direct access to your bank account.

You really need at least 24 months of consistent, on time payment history to improve your score. If you don't have an open,, active account, get a credit card, even if you have to get a secured card. Use the card for regular purchases and pay the statement balance in full every month.
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  #5 (permalink)
: Have you settled (or paid) the medical debt and credit cards, or are debts still outstanding? Sometimes it is possible to contact these creditors and work out a lump sum settlement with them for less than you owe. While negotiating this, ask them if they will contact the credit bureaus that they report to and remove the item as part of the settlement. They will sometimes do this, it is one of the tools that credit repair companies use. Make sure to get it in writing and as part of the settlement...if you don't, they will not have any incentive to work with you to get it off your credit reports. If the debts are already settled, the only thing you can do it dispute the debt with the credit bureaus and hope that the original creditor does not respond. That is really the only way to get it off, and it seldom works.

What will more than likely be your solution is to talk to a loan officer at your bank and figure out exactly where your credit needs to be to qualify for a mortgage. Then you can go from there, obtaining new credit through a secured card or otherwise, and building some good payment history for a year or more until your score is where it needs to be. These things take time and there usually isn't a magic solution.
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