People also pay off these accounts when they are not even on their credit report because it was already
removed by the credit agency.
Not exact matches
Oneida County's stellar
credit rating has once again been confirmed
by the three major national
credit agencies, all of which maintained their high assessments, and one of which
removed its negative outlook....
If the collection
agency fails to reply in the time period, the information must be
removed from a
credit report
by law.
By law,
credit reporting
agencies must begin an investigation immediately and have 30 days to complete the investigation which will either
remove the disputed item from the
credit report or explain why it is being left in place.
The
credit reporting
agencies will not
remove a collection if it's correct and verifiable until the amount of time allowed
by law has passed, so we don't advise using «pay for delete» strategies.
If the
credit reporting
agency does not respond in the right time frame, the information will be
removed from your report as required
by law.
You have the right to request that your name be
removed from marketing lists that are compiled
by credit reporting
agencies and used to send you «pre-approved offers».
If you have just a few blemishes from several years ago, you might be able to get them
removed by contacting the
credit reporting
agency that reported it.
The
credit reporting
agencies will also
remove from
credit reports previously listed medical collections that have been or are being paid
by insurance.
(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a
credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed
by the
credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required
by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained
by a consumer reporting
agency as provided
by the Fair
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting
agency within thirty days after the date of receipt of notice that
credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling ser
credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting
agency the completeness or accuracy of any item contained in a file on the buyer maintained
by the consumer reporting
agency; (g) A statement that accurate information can not be permanently
removed from the files of a consumer reporting
agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting
agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit
credit counseling ser
credit counseling services.
They operate
by disputing as many things on your
credit report as possible and taking advantage of the fact that the
credit agencies will
remove items from your
credit report if the company that put it there doesn't respond in a timely matter to provide documentation that it is valid.
According to the Fair
Credit Reporting Act (enforced by the Federal Trade Commission) if you dispute something on your credit report and the credit reporting agency can't verify that it is proven inaccurate it has to be removed from your report within 30 - 45
Credit Reporting Act (enforced
by the Federal Trade Commission) if you dispute something on your
credit report and the credit reporting agency can't verify that it is proven inaccurate it has to be removed from your report within 30 - 45
credit report and the
credit reporting agency can't verify that it is proven inaccurate it has to be removed from your report within 30 - 45
credit reporting
agency can't verify that it is proven inaccurate it has to be
removed from your report within 30 - 45 days.
With the pay for deletion method, you're taking the debt settlement negotiating a step further
by asking the debt collection
agency to actually
remove the charged - off account from your
credit report in addition to accepting your offer as «payment in full without recourse».
You can ask for incorrect information to be
removed or corrected
by contacting the
credit reference
agency.
It could be a simple clerical error
by the
credit reference
agency, in which case contact it to get it
removed — they are usually helpful.
When
credit repair
agencies succeed at getting accurate - but - negative information
removed from a
credit report, they typically do so
by submitting multiples of the same dispute to the
credit bureaus, hoping that the sheer volume of written verification forms sent from the
credit bureaus to the creditor will cause the creditor to drop the ball and fail to respond to one or more of the dispute verifications.
If the borrower of a loan made under this part who has defaulted on the loan makes 12 on time, consecutive, monthly payments of amounts owed on the loan, as determined
by the institution, or
by the Secretary in the case of a loan held
by the Secretary, the loan shall be considered rehabilitated, and the institution that made that loan (or the Secretary, in the case of a loan held
by the Secretary) shall request that any
credit bureau organization or
credit reporting
agency to which the default was reported
remove the default from the borrower's
credit history.
50 % of these disputes will not be answered back to the
credit agency and then,
by law, if the creditor does not answer back within 30 days, the
credit reporting
agency is required to
remove it from your record.