Yes, but they can be harder to remove, so you may have to dispute them a few times with the inquiry letters. Or, as stated before, the 609 disputes have a footnote that reads, “Please remove all Non-Account Holding Inquiries over 30 days.” So, it may just take a few rounds.

Remember you must send your next round of disputes. If you have not sent all four rounds of disputes, you must continue. “Verified” or “will not re-investigate” or “meets FCRA” or anything else besides getting a signed contract from the credit bureaus means they are LYING TO YOU. THEY ARE TRYING TO SCARE YOU TO STOP. You must continue to dispute.

Becoming an authorized user on someone else’s credit cards can help to increase your score. THEY MUST HAVE GOOD OR EXCELLENT credit to bring you up. Also, once you remove your negative accounts, apply for a shopping card at a store, such as Target, or apply for another credit card. PAY ON TIME and NEVER CARRY A BALANCE. ALWAYS PAY IN FULL AT THE END OF THE MONTH.

It happens to some. If you don’t get all of your negative accounts removed all at once and had your oldest credit line removed, it could lower your score. If you have items still reporting every month as negative, it will bring your score down. If you don’t have many positive accounts, it can bring your score down. BUT YOU NEED TO REMOVE ALL NEGATIVE ACCOUNTS, and then your score will heal.

Once a collection or creditor or bank or loan or negative account is removed, the credit bureaus keep it off because it is unverified and illegal. So if it comes back, you can SUE. Or, at the very least, you can dispute if again. If it still does not come off, hire an attorney and SUE. You have legal rights. Be brave. You may have to sue if someone is breaking the law. If you get a BRAND-NEW COLLECTION that you never had and never disputed, you have to dispute it. You know the process.

You can dispute it. When it comes to disputing an open account, it can be a bit harder, but it is possible. However, please note that even if it is off your credit report, you MAY still have to pay. The creditor or collector may still try to get you to pay. In my opinion (not legal advice), I would not pay a collector or creditor unless they show you an original signed contract proving the debt is yours. IF YOU ARE SUED, GET A LAWYER ASAP.

Yes, 100%. Many people report judgment removal. You may not have an account number. That is okay. Just put as much information as you can so they can identify the judgment.

The Credit Bureaus have 30 days from when they receive your letters to postmark a response to you. So, if you send your letters out and they get them on Jan 1st, they have until Jan 31st to mail you a letter. Therefore, it may take a few extra days sometimes to get a response.

Yes, you can definitely dispute student loans with the credit bureaus. They are sometimes very hard to remove, but keep fighting and you will figure it out.

Yes it can. You want to wait until the dispute is finished (the 30 days), and then you can dispute with the letters that we provide. Make sure only one person or company is handling the disputes.

Yes, it still can. You will want to wait until the dispute is finished (the 30 days), and then you can dispute with the letters we provide.