Credit

[Dustin Barr]

My credit is ok. Not great not bad. I think my score is 660. I have a couple late payment comments ect on. I think one said seriously delquiency, that was a error from our mortage company. I have tried seceral times to email, file disputes, send letters to get these taken off and have had no luck? Is there any real way to get them off other than to just wait? All are at least 3-5 years old...

Do any of the credit repair compampnies actually work?

[Brie Schmidt]

@Dustin Barr - I had a few hiccups in my 20's and now have a perfect credit score after being persistent and annoying. The easiest way for me was to send a Debt Validation Letter basically requiring them to go through their records and show proof that I paid late / owe them money ect. 90% of the time they didnt have the records and removed the item. Here is a sample letter

http://consumerlawyer.mn/files/2013/06/2013.06.28-Debt-Validation-Letter.pdf

http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports