Columbus
OH – The next step in your path to an improved credit score is to do
what they say on the shampoo bottles: Rinse and
Repeat.
In the Rinse and Repeat phase, you just keep working their system.
Here’s
what I mean: You send in a dispute, maybe disputing the
date that the account was opened, and the credit reporting bureau can’t
verify it, and they pull the whole listing off your report!
You
can’t keep submitting the same dispute reason over and over again to
the bureau – they will view you as a nuisance and will
dismiss your disputes as frivolous.
Also, don’t bombard these
folks with your disputes – you won’t get the desired results. But, you
can dispute information that needs to be verified. The
suggested order of ways to dispute are:
-Not my account
-I didn’t pay late that month
-That is the wrong amount
-That is the wrong account number
-That is the wrong original creditor
-That is the wrong charge-off date
-That is the wrong date for the last activity on the account
-That is the wrong balance
-That is the wrong credit limit
10. That is the wrong status of the account
11. That is the wrong highest amount I owed at any time (High Credit Amount)
You
can challenge the same listing on your credit report in the Rinse and
Repeat phase. The first time, you might say “not my
account” and the next time you would say “I was never late.”
You
just never know when you’ll find the dispute that gets the listing taken
off of your credit report. Send your dispute in, and let the 30 day
clock run.
But, like I said before – don’t bombard them
immediately after getting your results. Wait 60 days between disputes.
Keep excellent records of your efforts. Be persistent, be insistent, and
more than likely it will pay off. Thinking about a short sale?
I can help you short sale your property and get back on your feet. Send me an e-mail at robin.lemmons@kingthompson.com. I will contact you for a free consultation.
When
we talk, I will explain how the process works in detail and answer any
questions you may have. Or, if you prefer, you can call me at 614-741-2495.
Thanks for reading this, Robin Lemmons.
Rick & Robin Lemmons is a Real Estate Team at Coldwell Banker King Thompson.
Phone: 614-741-2495
Email: robin.lemmons@kingthompson.com
A Zest For The Best
View My homes for sale at www.rickandrobin.com.
Columbus Loan Modification Help, Columbus Short
Sales, Columbus Short Sale Realtor. Columbus Short Sale Realtor.
Columbus OH Short Sales. Columbus Realtor. Columbus OH Short Sales.
Columbus Realtor.
Copyright 2012 SFI Marketing Institute, LLC. All Rights Reserved.
Important Notice
Rick & Robin
Lemmons, Coldwell Banker King Thompson, and the Stop Foreclosure
Institute are not affiliated in any way, shape, or form with the
government. Our services have not been reviewed or endorsed by the
government or your lender. Most lenders willingly work with agents on
short sales. Why?
Because most short sales are beneficial to a
lender. If you accept our offer to help you on a short sale, your lender
may not agree to a short sale or to modify your loan. We do offer a
loan modification kit.
However, the likelihood of negotiating a
modification is like everything else in life. It takes work and
persistence to convince your lender to modify your loan. No matter what
you or we do, your lender may not approve a loan modification.
We
do not recommend that you stop paying your mortgage, because this will
cause damage to your credit and could cause you to lose your home.
Because we know avoiding foreclosure is so important to any homeowner,
we recommend that you speak with the appropriate legal or tax advisor
before making any decision.
This is not intended as legal,
technical, or tax advice. Please speak with a licensed professional
before making any decision. Information is deemed reliable but not
guaranteed as of the date of writing.
You have the option to
reject a short sale or loan modification from your lender if it does not
meet your approval. If you decide not to go thru with the short sale,
then you do not have to pay us our fee. We normally make a real estate
sales commission for helping you on a short sale.
The views expressed here are Robin's personal views and do not reflect the views of Coldwell Banker King Thompson.
This
information on Fixing Credit After A Columbus Short Sale Step 9: Rinse
& Repeat is provided as a courtesy to our viewers to help them make
informed decisions.
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