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When you Dispute stuff on your credit report do they note your account?

Updated: 8/21/2019
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MarkHuckaby

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Q: When you Dispute stuff on your credit report do they note your account?
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Which Errors On My Credit Report Can I Dispute?

IF there are REAL and PROVABLE errors on you credit report, then you can challenge them ALL. However, you have to be objective about it - if there is stuff on the report that you DID, then however much you may dislike it, it is a TRUE record of your credit history and SHOULD be on your report. To get stuff removed, it is no use just complaining, you have to be able to PROVE the mistake by producing documentation to back up your case.


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Just dispute everything negative. You can say you were not late on each reported late payment or that you paid each account. The creditor has to be able to provide the credit report agency with the information that says you didn't pay. Sometimes the card companies won't even have all that info anymore (especially if your account is closed). Some stuff is bound to come off. If you still owe on some accounts then offer to pay them in full if they will remove the negative info from your report.


Where can you get an instant credit report?

Instant credit reports can be found by filling out a few stuff online. But most likely they will cost money since not all credit report places are free.


What impact does 1099-C have on your credit report i want to buy a car in a few months will this effect in qualfying for a loan?

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If you had an excellent FICO score in the 800s but were the primary borrower on a leased car that was repossessed because of the cosignee how badly will this hit your credit?

You can provide copies of cancelled checks when applying for future credit, and this may help you in obtaining future credit, but the fact remains, the repo is going to ding your credit quite severely. The reason being, you are the primary signer, and therefore the one held legally responsible for whatever happens with the account. You may attempt to contact the credit bureaus to try and explain this to them, and they will automatically place a dispute note on the account while they investigate, but chances are, they will come back and tell you there is nothing they can do. Your credit score will be affected rather severely as well. I have seen someone's fico drop from a 750 to a 620 due to a string of mortgage lates caused by the cosigner on the loan. It is amazing how quick the credit bureaus report the bad stuff, but good luck getting rid of it. I am sorry for your situation, and I wish I had better news, but unfortunately, that is the way it is. You may want to call the lender or lessor on the account, and ask if they will delete the account if it is paid, as there are some lenders which will do this. If they will, it would be worth it to pay the balance, get it off your credit report, and take the cosigner to court for reimbursement. Good luck.


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