Has anyone had success getting negative reporting off credit report?

Getting something taken off your credit report that you have backup documentation for is insanely difficult. I can't imagine getting something legitimate off is any easier.

Took me eight months to correct a 30 days late on a credit card in which my balance was negative. Banks computers were formatted to notify credit bureaus if balance = /= 0 and no payment was received rather than balance > 0.

I contacted credit bureaus.
Bank contacted credit bureaus.
I contacted them again.
Bank stopped caring.

Finally, out of the blue, it was corrected.

I have a negative that I cant remove.
Alltel decided to make 2 accounts for the same phone number & billed me twice.
When I closed the account, they said I owed them $158. I told them I already paid, but they wanted proof. I couldnt provide proof for a duplicate account that I never opened.
Its still on my account since I refused to pay them twice.

My sister's and my name are 1 letter apart, and despite us being 3 years different in age, my parent's took us to the SS office at the same time so our SSNs are 1 digit off.

My report had all kinds of her stuff on it and she had an abysmal credit report that included 30, 60 and 90 day late payments from when she was in college, more retail credit cards than you can imagine, etc. etc.

It was a very very painful process to get it all straightened out with the 3 credit bureaus. My credit was low 600s with all of her 14 accounts on my report. Shot up to high 700s after it was all clear.. Good luck man.

Thank you sir.

My wife has a ding on hers from a late hospital payment from when she just turned 18 and still in HS. Her parents had moved and didn't get the bill or something like that.

Pretty furious with them over that issue

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My wife has a ding on hers from a late hospital payment from when she just turned 18 and still in HS. Her parents had moved and didn't get the bill or something like that.

Pretty furious with them over that issu

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How old is she now?

I depostied a large check into my account yesterday. It never showed up in my account online. So, I go down to the bank today & find out they deposited the check in my dad's account. Morons!


This should have never happened, but they dont always check your drivers license, SS# or address.
They tried to blame me for not filling out the deposit slip myself. I was like, wtf do you pay your employees for?

I had some success with "Pay for Deletes" and a goodwill letter. Had some medical bills and an AT&T collection from when my wife and I merged accounts when we got married. I got a lot of good advice from the MyFico credit rebuilding forum. They have template letters and lots of solid advice.