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Hello Advicenators: I have a 590 credit rating and am 58 years old. I recently decided to pay off legitimate old debt and clean up my credit report via disputing items as needed. Can I dispute items on my credit report by myself via some website? The agencies out there seem to charge high fees. Thanks, Dzadzy (link)
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http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
You would be wise to get a lawyer or financial expert that knows exactly what they are doing to assist you in this with disputing as well as cleaning up your record.
I had a prof. once that was a lawyer and asked about credit problems. They told me that collection agencies are allowed to harass you with certain rules about how for 2 years by phone or letter only. Once that has passed they can't unless the creditor sells your file to someone else. They won't. Never tell a collections agency you will pay a debt no matter how old. This allows them to start the 2 year process on you all over again.
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Rating: 5
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Thank you so much for your answer. Dzadzy
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