Dispute Negative Items on your Credit
In my……..lax financial days (read as…3 years ago or so), I was late paying a small ($200-$300) balance on a card. Years before that, around 1999, my ex-husband and I had a card in both of our names, that he was making late payments on. Both of these things still show up on my credit report.
Some advice from a co-worker had me dispute both items on my credit about 2 weeks ago. Whether they were mine or not he said just say that they aren’t yours, and a lot of times some companies will be too busy or have little interest in a counter-dispute. I was skeptical, but hey it’s worth a try.
I got my results back today from Equifax, and 1 of the items has been removed (the one from 1999), but the other will stay. I still call that a great victory, and am unsure whether it will up my credit score any. I am tempted to pay the money to get my FICO score, because even looking at my report it doesn’t really tell me where I rate in the whole FICO score area.
If I do find a good cheap place to get it, I’ll post it here later with my score.
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