The credit reporting companies have a dispute form that you can use to dispute anything that is wrong on your credit report. Ask for this form or send a letter detailing the information in your report and explain why it is incorrect. They will investigate the matter and send you their findings. If it is incorrect they will remove it from your report.
You present proof that the repossession never occured. You can dispute it with the credit reporting agency.
No you cannot remove a repossession off your credit report if your cosigner has a judgement on the repossession.
A repossession is a serious negative and will drop your scores.
i need to get a repossession off my credit report
A repossession that is over seven years old is not supposed to be on your credit report. It is not unusual for a collection agency to illegaly "reage" a debt in order to try to pressure you to pay. From your post it does not appear that you know what is on your credit report. If you have been denied credit then you are entitled to receive one for free. Contact information for the three credit reporting agencies can be found at solidgoldhomebusiness.com If this item is actually on your credit report then you can dispute the information and demand verification. Dispute instructions will be included with the report.
No.
If it's not actually true, then you can dispute it with the reporting agency. If it is true, then you don't "get it removed." It will be removed after a certain amount of time has elapsed.
A dispute on a credit report can take up to 60 days to be resolved.
One option is to pursue credit repair through a credible company such as Lexington Law or Accurise. These companies have been in the industry for years and can dispute errors on your credit report. However, in certain situations you won't be able to "fix" the repossession on your credit report and will have to wait for the incident to age off your report.
The best way to win a credit report dispute is to show proof of your claim.
You can dispute any incomplete or any imprecise information on your credit report.
The repossession stays on your credit report for 7 years.