Question

I am trying to repair my credit report and have some items deleted from my credit report one company in particular that told me if i paid for a non use settlement they would delete it from my credit report instead they just reported it closed and unsecured. but they were the ones who told me to dispute it in the first place to have it removed and they would agree to remove or delete it from my credit report.

McKell L.

Answer

It is hard to hold these creditors to anything if you don’t get it in writing. Did you get the agreement to these terms in writing?  If so, you could probably fight to hold them to it. If not, there are things you can do to dispute these negative marks on your credit. Here are some ways that you can go about doing this.

1) You can write the dispute letters yourself. Here are a couple of articles with more advice on how to do that. http://www.creditrepair.com/credit/repairing-credit-yourself.html  http://www.creditrepair.com/credit/credit-report-dispute-letter.html 

2) You can get a free phone consultation from a credit repair professional. They will actually write the dispute letters on your behalf. Call us at 1-800-445-8540 for a free credit consultation.

Thank you and good luck.

-Candice