Lan Barnes wrote:
On Mon, March 26, 2007 9:21 am, Paul G. Allen wrote:
On Sun, 2007-03-25 at 18:32 -0700, Lan Barnes wrote:
Ever check your credit report? Ever try to get something false off it?
her before or
after being taken to court).
Have you had experience trying to have something removed? What was it
(the experience, I'm not asking for personal details about whatever the
negative report was).
Oh, yeah! My wife and I spent 6 months trying to clean a lot of errors off
my credit report before we bought our first house together. They had
completely bogus stuff. For example, they had me defaulting on a car
payment for a car that was paid off and sitting in the driveway.
Every time we got them to correct one error, they'd introduce another. In
the end we couldn't get it properly cleaned up before we closed, and we
ended up paying an extra half point on the loan ... so it's still costing
us.
And, yes, there are laws about it, but it's like the "no call" list ...
they just ignore 'em and it's almost impossible to get anyone official to
help you.
IMHO laws like that need stiff financial penalties to give incentives to
law sharks to take ordinary people's cases on contingency.
Sounds like you got most of your problems ironed out. But if you want
to know a good outfit that has done a surprisingly good job for me, just
let me know. They have a staff of credit experts *and* lawyers
specializing in credit issues. For $45 per month, all I had to do was
receive my credit reports (mailed from the credit bureaus) and fax them
to this agency. That's just about it. Initially, I identified the
things that were wrong. They primarily targeted those. But they also
targeted anything detrimental. They challenged them in an efficient
manner and got most of them dropped off (even valid stuff).
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