I have to dispute items on my credit report because the aganies combined my credit with my sister's credit.
606071
Just to let you know, every reported transaction is going to take you about an hour on the phone. This is going to be a pain in the butt. You need to dispute the accounts, (which you've done) now the angencys are going to need to prove that is infact you. They will do this by matching your DOB and ss# as well as your last 3 previous addresses. If they don't match yours the bill isn't yours, and it will be taken off. It takes some time ( a couple of months) so be paitent. If it isn't resolved in that time, you need to call each agency. Sorry but itentity mixups and theft are hard new.
13758
Credit reporting agencies are required by law to keep your credit report as accurate as possible.  If there are errors on your credit report you have to write to the credit bureau and request the information be corrected.  If the error is with more than one credit bureau you will have to write to each of them directly to have them investigate the information.  Each of the bureaus keep seperate records so a seperate investigation is required from each bureau.  I suggest writing to the other bureaus (Experian and Equifax) and request they investigate and correct your information.
317512
I personally would contact Social Security and tell them my suspicions. They may help you set her up! Ask if you can switch your payee to someone else. If she is mishandling your account, and you turn her in, then keep really good records on any conversations, e-mails etc.  Document document document.  Times, dates.  Should there be retribution, then you can turn her in again. And that would be proof too!  Good luck!
889320
Yes, I have helped many, many people do this.  First know that the bureau must verify any debt you dispute.  If they can not verify it, it must be deleted.  They have 30 days to do this.\n\nWith 7 years in the credit business, I recommend disputing them all at the same time, as you will likely need to go through several rounds of letters to get what you want done. If something is blatently wrong with your credit report, call the bureau after they write back and refuse to remove it. Go up the food chain until a manager agrees to remove or amend the incorrect info on the spot. Don't buy into their speach about re-disputing it - but make sure you have provided the information necessary by mail already to correct the error. It will not help you to insist on something being removed if you have not provided verificaiton on why.\n\nWhen you mail in the dispute letter, mail in as much information as possible with it. If your verification is a bankruptcy, send in all the pages to your petition and tab the important pages for them to review.\n\nAlso mail in a copy of an electric bill and a copy of your ID to avoid any delays. See the FTC web's site for your specific rights with collectors and debt reporting:\n\nhttp://www.ftc.gov/\n\nIf your problem is directly with the creditors, write to them ONE time. If they do not remove incorrect information, write to your state's attorney general's office and the FTC. This will get you the results you seek if you are in the right.\n\nIf this is a collection agency problem, write to the same people plus the ACA at www.acainternational.org. Collection agencies are generally slime, so know your rights before you call them. See your rights here:\n\nhttp://www.ftc.gov/bcp/conline/edcams/credit/index.html\n\nIf you have legit items that are bad, dispute them also. If they can not be verified, they must be deleted. It is not your responsibility to prove they are inaccurate, it is the credit bureaus who must demonstrate they are.\n\nHope this helps!
526270
It sounds like you're more bothered by the fact that you feel your sister may have lied to you.  Having her leg sliced open may have been pay-back, but that's not your concern.  It's between her and the All Mighty. I feel that your primary concern should be the fact she feels that she can't be honest with you.  I would confront her.  Be cool and calm.  It doesn't sound like you even have all the facts.  So don't jump to conclusions.  Just sit her down and have a sister-to-sister talk.
40389
Agree to pay what you charged and tell her to keep telling him you did it with out her permission and wish them the best of luck. If you are charged, deny it and pay what you owe. Now that is not so hard...is it?
696019
Try calling all three credit bureaus to find out what is going on, maybe they can help. They may have you write a letter disputing these items anyway.\nEquifax: 1-866-798-6598\nExperian: 1-800-734-4617\nTransUnion: 1-800-888-4213\nGood luck to you!
474303
There is so much more to this story. But if you are divorced she has no legal right to add you to the account and you are not responsible. In fact if you had nothing to do with it, it is a felony. Talk to her bank and ask them how you were added without your signature. Get anything you can in writing such as what was spent on the account and write down who you talked to and when. Sounds harsh but you don't really want to have this effect your credit do you? It will and be a huge hassle later if you are not proactive.
135788
Depends how much you owe and what your credit looks like, probably not good right? Talk to a lawyer or someone who knows about bill consolidation.
236851
Studly is correct, you will actually be wasting your time.\n\nWhen you dispute any account on your report that you believe to be inaccurate or unverifiable then the CRA will investigate that item and reply to you with a copy of your credit file and a cover letter showing the results of the investigation. This will take approx. 30 days.\n\nYou will have 3 possible outcomes:\n\n1)They will delete the item because the CRA was unable to verify it.\n\n2) They will say "After investigating this item CRA has verified that it is reporting correctly.\n\n3) They will say "This account has been updated to show(negative or positive outcome)\n\nIf they verify it may say in the remarks of the account that "this item was verified in February 2006"\n\nIf an item is verified you can still dispute it but you will have to provide some type of additional documentation(depending on what you are disputing) to get the CRA to re-investigate.\n\nAlso putting a statement on your credit record explaining any item(s), your situation, whatever, is completey worthless. It may make you feel better that you can explain something to a potential lender but they will ignore it.\n\nWhen you apply you will most likely receive an almost instant decision because of FICO credit scoring. If you are at or above their minimum score you will be approved. If you are below you will not.\n\nGood Luck
632214
I am a mortgage specialist.  I specialize in helping people with challenging credit.  What are you calling "very bad credit?"  What are your credit scores?  The payments that you are currently making on the mortgage are not being applied to your credit file because your name is not on the mortgage.  If you are making the payments on time, then you are giving your husband's sister good credit because the payments are being applied and recorded on her credit bureau.  This situation is too complex for us to discuss here.  Please contact me at wwi_2@yahoo.com as soon as possible.
353371
get a written agreement,keep paying your portion,you may even have to pay all just to keep your credit good,then if she dont pay,sue her or chalk it up as a lesson learned
830945
Becuase some creditor report to one bureau, some report to two and other report to all three. \n\nWhen your score is calculated using different info, the scores will be different. \n\n\nHere is a great article about credit scores. Will open your eyes: http://www.expert-credit-advice.com/credit_score.htm\n\n\nThe rest of the website has other good solid information as well.
1150550
First of all, how old are the tradelines (reported items) on your credit report? If they are old enough, say 5-6 years old or more, you may be able to dispute them. However, you must be aware that you do not want to initially dispute with the credit reporting agencies, but with the creditors themselves. It is called a "Request for Validation." Persuant to the Fair Debt Collections Act, 15 USC 1692g Sect. 809 (b), the debt collector must provide you with evidence that the debt belongs to you. If they CANNOT provide you with sufficent written proof, then persuant to Fair Debt Collections Act, they must stop all collection activity, and delete the tradeline from your credit report. BE AWARE: not all collectors are willing to cooperate. They may report a current delinquincy on your credit report while you fight the debt, and may begin the collection attempts all over again. Also keep in mind that it is very feasible that the creditors may validate the debt(s), re-report to the credit bureaus, and your score may go down. \n     Please note that there is no such thing as a quick fix. Fixing your credit takes time, energy, and a whole lot of patience. Don't fall prey to any company that claims to fix your credit overnight, especially when they are charging a ridiculous amount of money.  Even if it is possible, the next scoring cycle may put you right back to where you started. Credit repair can be done on your own for free. If you are interested, I have completed a massive amount of research, and I have a collection of interactive PDF forms that you can complete and mail off to the collectors as well as the credit reporting agencies. \n     If a creditor validates a debt, then you need to work with them on a settlement. DO NOT send them a payment without a written agreement of the terms. Collectors are tricky, and want to collect as much from you as they can. In other words, get everything in writing. Again, I have settlement forms in PDF format should you be interested.\n     All of these techniques have worked for me, as I have increase my score over 120 points in the past 14 months. At a 518 FICO score, you really don't have much to lose...
178436
Do you have copies of your credit reports and know what is in them? \n\nIf not go to www.annualcreditreport.com where you can get all 3 for free once a year and it won't hurt your credit score.\n\nReview your files for accuracy. You have the right to dispute any item that you believe is inaccurat or unverifiable. The investigation will take about 30 days and you will get back the results:\n\n1) the item will be deleted.\n2) the item will be updated(could be more negative)\n3) the item will be verified as currently reported.\n\nThe FTC is cracking down on Credit Repair companies(see my link below) and I would be very careful about who you choose to help you.\n\nIf you choose not to try and "clean" up your credit yourself then I would look at a company like lexington law. They make sure they are in compliance with the law and make wild claims.\n\nGood Luck
491556
Call your card company or bank and dispute the charges immediately, let them know the situation, they will take care of it. Also, contact the company that is making the charges and file a complaint with customer service. Finally, make sure to keep tabs on your credit report to make sure that they do not report you because you refused to pay the fraudulent charges. If it is reported to the credit reporting agencies, make sure you dispute it and send them documentation from your credit card company that you disputed the charges on your card and tried to resolve the situation. That way it will not affect your credit rating, and if it does you have proof that you took steps to close the account and collect the fraudulent charges months before. Be careful because the company could attempt to report you at any time in the next seven years.
1105227
I need more info before giving you any good advice.  \n\nIf someone got credit in your name, and you are claiming the debt is not yours, then there is a procedure already in place regarding ID Theft.  Go to the first link below and read up.\n\nYou first need to contact the local police department and get a report.  Then you will need to contact the creditors who are after you and inform them that the debt is not yours.  Send them a copy of the police report, plus a signed and notorized affidavid saying your ID was stolen and this is not your debt.\n\nIt's up to them to prove it's yours, not the other way around! \n\nNow, to clean up your credit, examine the Fair Credit Reporting Act, and the Fair and Accurate Credit Reporting Act.  These laws detail exactly what you must do.\n\nFollow these instructions carefully!\n\nSend a dispute letter to the Credit Reporting Agencies demanding that the listing be removed.\n\nSend a "demand to validate" letter to the creditor, and demand that they prove this is your debt.\n\nIf this does not solve the problem, you can sue them in small claims court.\n\nThis is exactly what happened to me.  Someone used my ID to get a Holleywood Video account and run up $300 in charges.  It went to collections agency and ended up on my credit report.\n\nI did the letter writing stuff, but they still wouldn't take the listing off.  So I went to small claims court.\n\nThe credit bureau settled for $200.  The collection agent decided to fight me, and it cost them $1000 plus court fees.  \n\nThe reason they get away with this stuff is because consumers don't understand the law!  \n\nContact me if you need more advice or support.