Drea B asked:
so, what do i do about this, all my personal information was stolen out of my home in 2006 when i first turned 18 and moved on my own, and now at 21 im trying to get a home loan only to find out im denied because of my credit, (which ive done a good job at maintaining) i check my report online and im like 4,000 in the hole for debt for things ive never got. what do i do and how can i go about removing this from my report.. this is screwing my life up
CARL
so, what do i do about this, all my personal information was stolen out of my home in 2006 when i first turned 18 and moved on my own, and now at 21 im trying to get a home loan only to find out im denied because of my credit, (which ive done a good job at maintaining) i check my report online and im like 4,000 in the hole for debt for things ive never got. what do i do and how can i go about removing this from my report.. this is screwing my life up
CARL
#1 by Anjell on March 16, 2010 - 11:30 am
FELIX
You need to send/call the credit bureau and ask for a letter of debt validation for all the accounts in question. They have 30 days to prove that the debt is yours, if not they must delete it. Again request this from the credit bureau not the actual creditor.
If they do not comply report them with a copy of your written request to the FTC
#2 by OJ in Vegas on March 18, 2010 - 12:36 pm
TIMOTHY
I agree with the previous answer. Here is a sample of the dispute letter you need to send. Do not copy it word for word but modify it to your needs.
The credit bureau will have to prove the debt is your within 30 days and thats the law.
Good luck
#3 by Samantha J on March 20, 2010 - 8:10 pm
JOHNIE
To raise your credit score you need to do two things:
1 – add positive things to your credit records. Such as paying your bills on time!
2 – Remove negative things from your records. These may be mistakes made by the credit report companies or bills you haven’t paid!
If your problems aren’t too bad or too complicated than you can do this yourself. This review site gives you e-books to explain the process and guide you through it:
if your problem is complex – or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company. This review site will guide you to the three best companies to use:
Good Luck!