Comments on: Can a lawyer help clean my credit report if I do not owe anyone?

By: Jim

Jim — Fri, 19 Mar 2010 07:46:59 +0000

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-free.totalh.com
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By: bdancer222

bdancer222 — Fri, 19 Mar 2010 07:32:59 +0000

You don’t need to pay a lawyer.

How long has it been since you paid? Allow at least 60 days for the collection agency to update. If they still don’t show paid, dispute the items with the credit bureau. Include a copy of your settlement agreement and payment proof — you did of course, get the settlement agreement in writing and have proof of the payment.

By the way, paying off derogatory items won’t improve your score not does it get the item removed. The damage is done and will remain for the balance of the 7 year reporting period.
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BD

By: Age of Reason

Age of Reason — Fri, 19 Mar 2010 07:08:59 +0000

It can take up to 6 months for the credit report to reflect the payment. The negative remarks remain for 7 yrs. There is nothing a lawyer can do.
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