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Paladine_PSoT posted:What's the best way to dispute things off? Should I just start the process of writing letters? Is it better to get a lawyer involved? are there credit repair companies that are worth anything? I am not a lawyer, this is not legal advice, I'm not an authority or professional, blah blah don't sue me. Stay away from "credit repair" companies. A lot of medical debt is ignored / low weighted on the models used by financial institutions. It's impossible to predict what your score will actually be when pulled by any random company because you have no idea what model they'll be using. The scores you can generally get yourself give you an idea, but it's rough. If the medical debt is sub $500 dollars you have a pretty good chance of getting it wiped. Frame your disputes as best you can the first time. You don't need to write letters, you can initiate disputes online now. You also get a full copy of your credit report when doing so.
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Mar 12, 2017 05:04
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Elephanthead posted:I think pay for delete is the fast credit score fix if you are unsuccessful in the regular dispute. Otherwise 7 years they just drop off. (This is internet knowledge so who knows if it works). They're technically not supposed to do that, but it can happen. Raising credit limit usually requires a hard pull which will drop your score a tad, it's usually still better than high utilization every month though.
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Apr 12, 2017 00:11
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