Have you ever challenged something on your credit report?

Yes and I was successful.But it took forever!

@TominLasVegas I know it can really be a slow process. I’m glad it worked for you though.

It use to be easy to do a charge back.

Not any more.

I did! And they rejected it, which was crazy because I have proof that I paid prior to it going to collections, yet they wanted even more money from me (a dental school). I am still trying to get it off my credit, it’s the only thing that looks bad on my credit.

I pull my credit once a year from all three major agencies…

I’ve challenged something a couple of times and I’ve WON…. it may take a few letters and phone calls ; BUT well worth the fight .

Yes, basically. When you challenge something they have like 60 days to respond.
If they do not. They have to remove it.

That is why credit re-building companies will flood the credit reporting companies with challenges. They cant respond to them all in the time allotted to them..
Eventually getting it all removed.

@casheroo I sure hope you get that resolved… just keep trying. Good luck with it.

@HighShaman I agree, it is well worth the “fight”. Creditors really do put a lot of importance into credit reports and scores. We just bought a new car and they were really impressed with our high credit score… made dealing with them much easier and we got a much better financing rate.

@ChazMaz I didn’t realize that 60 day time limit Chaz. I have to keep that in mind if I have another problem. Thanks.

A couple of years ago I checked my credit report with one agency. There is another person with my exact name and close birthday who had all kinds of stuff on my report.
They took all I was able to identify off almost immediately.

@JessicaisinLove I bet you’re really glad you got that taken care of!!