Posted by Adam (NY) on October 05, 2003 at 12:23:31:
With all due respect for what you do, I take issue with your comment that:
------------> There is nothing wrong with a healthy disagreement.
From my limited exposure, I haven’t seen credit reports to be wildly inaccurate. Yes, there will be mistakes, I won’t dispute that.
But, you think a recent charge-off, plus three distinct 30 day lates are all mistakes?
I’m of the opinion that the original poster would be best served by addressing their issues with credit that might be mis-managed, rather than trying to “game” the system.
------------> I consider the charge-off and the late payment as being inaccurate for one reason, he disputed them. Now, many, many people dispute items that are accurate on their credit reports, but unless the OP says they are accurate I take it as being inaccurate.
If the items are indeed accurate and his, then yes he has more to work on than his credit reports. He needs to get his finances in order.
The credit reporting agencies have a program that will accept items to your credit reports that may not be yours. If they only match a few identifying factors about a person they can insert info on your credit reports. I have seen it happen so many times that it is hard not to assume that info is not accurate unless they tell me its accurate.