posted on Aug, 11 2012 @ 12:36 PM
I made a lot of mistakes with my credit as a young lad. Being the type who will find the path of least resistance, I figured this out: YOU CAN FIX
YOUR OWN CREDIT FOR FREE AND NEVER HAVE TO WORRY ABOUT CREDITORS OR DEBT AGAIN. EVEN IS YOUR DEBT! I will now outline the steps one by one. Just
1: Go here for info: www.ftc.gov...
2: Then, click the link or go directly here => www.annualcreditreport.com...
3: There are 3 credit reporting agencies. Experian, Trans-Union, and Equifax. You will need to follow the onscreen instructions to receive each
agency's credit report on you. This is all 100% free, and you can only do this for free once per year.
4: Once you have accessed your credit report for one of the 3 agencies, find on the home page where you can dispute an item on your credit report, and
click. You will do this for each and every negative line item on your report, on all 3 reports. The reason you will put for each line item disputed
will be "I have no recollection of this account, and am not the owner of this debt." Do not put anything else.
5: The company that holds your debt now has 30-45 days to prove that debt is yours. Since they are either too disorganized, bogged down, etc. they
will write off the debt. Just like that.
EVERY line item on my credit report (15+ negative reportings) were dropped from my credit report. I found that the longer it has been in collections,
the better. These agencies don't get all the paperwork associated with your debt and therefor can't prove in the time allotted by law that the debt
is yours. Give it a try, and post your results. Be patient. It'll take 30-45 days. It took 15 for them to drop my debt. Half the time they were
allowed by law.