@atlcody: Ask a Lawyer Understanding Credit Repairs What You Can and Can't Dispute

Cody
Cody
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Region: US
Monday 30 June 2025 23:30:24 GMT
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paul9999x
Texas Paul :
If you want to fix your credit, pay off the debt.
2025-07-01 04:07:16
245
opjunkie
nasir’ :
“you can’t dispute something that’s valid” watch me
2025-07-01 02:07:03
62
urbanedan
Dan :
That 1,800 could go towards paying the debt and therefore improving your credit.
2025-07-17 21:18:33
38
patientzir0
patientzero :
The game those companies play is by dispiuting the debit. The owner of the debit has 30 days to respond to the credit reporting company or they have to take the debit off your report. They will also challenge debit collection companies right to collect. Because often they don’t get the signature card that opened the account. You can do this stuff yourself 😏
2025-07-01 00:01:21
13
ronaldo_macchiato420
Ronald Macchiato :
That settlement companies do not help you fix your credit. They take your money they pile your money up. They go out to your creditors and say hey, we wanna offer you a settlement now the thing is settlements do not need to be entertained by the creditors or the Avon collection companies so when they offer the debt settlement and that company rejects it, they just move onto the next company. Meanwhile, that negative score is affecting you in a negative way month after month after month they still collect each monthly payment. Keep it in an escrow account basically until the banks finally decide to settle so if they don’t settle your credit score still takes the hit if you’re gonna work out a settlement deal with a creditor it’s just better to do it with them directly why pay someone else to pay your bills?
2025-07-01 11:36:26
1
ambri702
Eve :
All the things they do for you, you can do yourself. It's very simple to view your credit report and make disputes, negotiate the balance, etc.
2025-06-30 23:58:50
98
quarantine_times2020
lounging pups :
right. right, right .. right. right? why you asking me i ain't a lawyer
2025-07-01 03:47:33
9
realism331
Neha 🌚 :
I love how credit is a direct indicator of your morals and integrity as a person. Comment section is enlightening
2025-07-01 17:37:05
12
nori_the_floof
Nori :
I respond to debt vals for a living. These companies just send out form letters that are half filled out, don’t waste your money on them.
2025-07-01 13:52:10
4
iamlegend2524
Iamlegend2524 :
People get into debt, then try to find a way out of it without paying it back… lol it don’t work like that.
2025-07-29 18:19:19
0
tezieeee
speik24 :
You do say right a lot quote unquote
2025-07-01 14:58:28
0
brettguercio0
Brett Guercio :
sure you can dispute something that's valid 👍
2025-07-01 13:14:46
2
esteban_estrada78
Esteban Estrada :
he's the difference between an actual lawyer, and "this is a hack creditors don't want you to know".
2025-07-27 18:22:57
5
azustawe
azustaweb5517 :
Why use an expensive service when you could just use AI to write all the dispute letters for you?
2025-07-08 08:25:38
1
jellokun
John P :
unapologetic First cause I've never been.
2025-06-30 23:49:10
3
kim1eh
Kim🗣️eh🍃 :
Why are y’all paying people to fix your credit
2025-07-08 04:57:51
0
judgmentalbarbie2025
JudgmentalBarbie :
🥰🥰🥰
2025-07-10 02:27:39
0
ktshmoov
The Economics of Man :
She's gonna pay them to lie to her.
2025-07-01 15:49:07
0
prusaresearch
Harry :
Trying to use big words to sound smart
2025-07-01 10:11:16
0
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