“Credit Repair Companies Can Create All Kinds of Problems”
This is an email from a client that I have been working with after she wasn’t getting very far with the credit repair company that she had been paying for 9 months, but now she is on the “Right Trac”.
I am working my tail off to resolve the previously discussed areas. The disputes have been resolved with all three bureaus. I will let you know and have letters with settlement and payment receipts(hopefully) Is there anything else I can work on to be proactive?
One of the strategies that credit repair companies have is to send “Disputes” on every collection item on a credit report, no matter if the money is owed or not, in hopes that the items get removed from the credit report. Unfortunately, most of the time the obligations do not get removed, but the “Disputes” remain on the credit report.
In the mortgage world these day, lenders will not do a new mortgage for someone while “Disputes” show up on any credit item. These disputes need to come off, it can be a pain to get them off. The info below will get the “Disputes” of pretty quickly.
475 Anton Blvd.
Costa Mesa, CA 92626
888-210-9101 and 866-673-0140 is answered by a live human being, tell them you need the National Consumer Assistance Center to end the dispute(s), hours are 8AM-5PM Pacific Time
Up to 72 Hours to remove disputes(You get an email confirming they have been)
1550 Peachtree St, NW
Atlanta, GA 30309
404-885-8300 is answered by a live human being, tell them you need to speak with someone in the Executive Consumer Service department.
Up to 72 Hours to remove disputes
555 W Adams St
Chicago, IL 60661
312-985-2000 it has a machine greeting but just stay on the line and you are transferred to a live person, tell them you need to speak with someone in the Special Handling Department
Image courtesy of stuartMiles/freedigitalphotos.net
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Joe Petrowsky, NMLS #6869
Right Trac Financial Group, Inc. NMLS #2709
110 Main St.
Manchester, Ct. 06042
Office: 860 647-7701 x116
Fax: 860 647-8940
Cell: 860 836-9294
Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.
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