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Re: Want to verify credit clean up


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Posted by Why Chat (209.240.205.61) on November 10, 2003 at 19:25:51:

In Reply to: Re: Want to verify credit clean up posted by skeptical on November 10, 2003 at 19:01:30:


Get all 3 of your reports individually from the CRA's (your friend was correct on THAT point, but nothing else)

Opt out, this prevents the old creditors from coming back and poisoning your reports when you apply for a mortgage.

Dispute the older accounts as "obsolete".

If they were from your "ex" and you were NOT a cosigner they should be easily removed.

What your friend was probably talking about was "rapid rescore".This is a system some lenders have to temporarily get you enough of a higher score by a direct dispute proccess, however this cannot be done by an individual as it is through a paid service.


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