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Question for haven, mad max, jorge, and yes, even Refman...

Discussion in 'BBS Hangout' started by gr8-1, Dec 3, 2002.

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  1. gr8-1

    gr8-1 Contributing Member

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    Can a lawyer remove something from my credit report? I had signed a "karate contract" when I was 18 and decided not to go. Well, 6 months later, he moves his store to San Antonio. I have a feeling this is still on my record. What would you guys do in my situation? I guess I should get a credit report and if possible, talk to a lawyer?
     
    #1 gr8-1, Dec 3, 2002
  2. El_Conquistador

    El_Conquistador King of the D&D, The Legend, #1 Ranking
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    Let me first state that I am not a lawyer, nor am I in law school. It is not immediately obvious to me why I was lumped in a group consisting of lawyers/law students, and frankly it is mildly insulting;) , nonetheless I will answer your question.

    What you can do is contact the three major credit bureaus used in Texas. They will send you a copy of your credit report, as it exists in their files. Each bureau compiles your credit report differently, so I would request all three. Should you see a listing on your credit report that you disagree with, you can put this item in dispute and the matter will typically be resolved within 30 days. In order to receive your credit report, you will need to send them a copy of your driver's license, a copy of your social security card, 5 years of living history and a letter requesting the report. Here is the contact information for the agencies:

    Experian National Consumer Assistance Center
    PO Box 2104
    Allen, TX 75013-2104
    888-397-3742
    www.experian.com

    CSC (Equifax) Credit Information Services
    PO Box 674402
    Houston, TX 77267
    800-392-7816
    www.equifax.com

    Trans Union Corporation
    PO Box 1000
    Chester, PA 19022
    800-888-4213
    www.transunion.com
     
    #2 El_Conquistador, Dec 3, 2002
  3. gr8-1

    gr8-1 Contributing Member

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    I just did it online, no problem.

    Does anyone know of an Austin area credit specialist that can help?
     
    #3 gr8-1, Dec 3, 2002
    Last edited: Dec 3, 2002
  4. Refman

    Refman Contributing Member

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    #4 Refman, Dec 4, 2002
  5. Drewdog

    Drewdog Contributing Member

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    gr8-1 check the Yellow Pages under credit as there are several services that can help you.

    Ref check your email.
     
    #5 Drewdog, Dec 4, 2002
  6. Refman

    Refman Contributing Member

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    Done dude. And I even replied. :)
     
    #6 Refman, Dec 4, 2002
  7. Chance

    Chance Contributing Member

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    I highly reccommend listening to refman...
     
    #7 Chance, Dec 4, 2002
  8. HayesStreet

    HayesStreet Member

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    Be careful about using agencies to 'fix' credit problems. You should have no problem getting ahold of one of the many free credit counciling services.
     
    #8 HayesStreet, Dec 4, 2002
  9. gr8-1

    gr8-1 Contributing Member

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    Thanks to everyone. Apparently, it's not on there (although that thing was hard to read).

    Also, does rental history and utility/cable bills go on there? They were nowhere to be found on my report.
     
    #9 gr8-1, Dec 4, 2002
  10. Refman

    Refman Contributing Member

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    Typically rental history does not go on there. It certainly CAN, but typically landlords don't want to spend the bucks to report it. Instead thay report to a landlord's association or a similar group. That way, other landlord's will be able to evaluate your rental history without going to the expense required to report you to equifax.
     
    #10 Refman, Dec 4, 2002
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