My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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Some companies tell you that they can remove everything for you and 90% can't, don't get me wrong most companies will pick and chose the easiest items to remove and it looks good to you but its something you could have done yourself. Most of the template letters they send out to the bureaus will ask them, to remove item while ** investigating it ** that is why it will and I say it will magically appear again usually within 45 days.
These are the things I have found over all the years of repairing credit, 95% of people are following things they have found on the internet as well as things people have told them. Most of the client who come to me have done this and worked over months some times years with maybe one or two removals.
I do not promise anything as nothing is definite, I don't know what's going on with you or if you have spoken to the debt collector prior, I never promise anything I get the facts first and work for you with all the information gathered. I do not use templates as the systems reads them and of course you get that that says **This item was investigated and remains**. I sometimes go in from the back door and I do not only write the bureau I depending on the file will contact the collection company ** note** it depends a lot on if its new, I never contact them if its an old bill as it could very well be out of the statue of limitations and I do not want to restart the debt clock.
In that letter I do not admit the debt I ask why are they sending this to me, remember they have to prove the debt not you. I do not include any of my personal information such as phone number, name, DL or SS#, I don't do it by phone as they record everything. I them tell them I'm not sure what this is about but they can send any information they have to me via the address you sent this to. When and if you write them send it CERTIFIED, make a copy of the mailing, your going to need them. Your going to use them to send to the bureaus asking them to remove the debt if you don't hear back from them. Remember the bureaus are going to send that letter saying they investigated the item and its yours, now you have the proof, if they don't contact you back even better. Remember they never replied so how can they prove it if you couldn't and you have the proof.
There is so much on how to remove debt its not just a simple letter that everyone uses, you have got to be smart and ahead of the game. To sum this up today call me if your having trouble with repairing your credit, its a free consultation. Bus: 702 444-0345 or Cell: 702 325-3861.