Comments on: Statements of Excuse or Dispute on Credit Reports http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html personal finance blog with anecdotes, advice and commentary. Sun, 22 Nov 2009 06:04:27 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Mark http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-293313 Mark Wed, 10 Dec 2008 14:23:32 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-293313 I have great credit with a score of 762 but I've been turned down for a credit twice because of a small unpaid credit card amount. I also have over $400,000.00 in one of the above banks and an open credit line of $399,000.00 with a zero balance. Just doesn't figure does it. I've tried on several occasions to put a specific personal statement disputing that I owe it (I already did the typical dispute but they sided with the Bank) but it's never happened. I just tried doing it online but they only give you a half dozen pre-written "statements" of which none applies. I submitted my statement via US Mail and that doesn't do a thing. Can anybody help me? I have great credit with a score of 762 but I’ve been turned down for a credit twice because of a small unpaid credit card amount. I also have over $400,000.00 in one of the above banks and an open credit line of $399,000.00 with a zero balance. Just doesn’t figure does it. I’ve tried on several occasions to put a specific personal statement disputing that I owe it (I already did the typical dispute but they sided with the Bank) but it’s never happened. I just tried doing it online but they only give you a half dozen pre-written “statements” of which none applies. I submitted my statement via US Mail and that doesn’t do a thing. Can anybody help me?

]]> By: John Wilks http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-23454 John Wilks Fri, 15 Sep 2006 19:28:44 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-23454 "Correction. FICO score is actually 950. No really it is..." “Correction. FICO score is actually 950. No really it is…”

]]> By: CK http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-22662 CK Wed, 13 Sep 2006 19:33:39 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-22662 It's pretty worthless considering the rampant use of credit scores. It’s pretty worthless considering the rampant use of credit scores.

]]> By: Cap http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-22661 Cap Wed, 13 Sep 2006 19:18:42 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-22661 everything I've read or heard about making a personal statement on your credit report seems to imply that it'll do absolutely nothing in the eyes of creditors. you can explain away your collection all you want, but if you have one.. they're gonna count it against you. you can try to make a note about identity theft that hasn't been resolve yet (hence the new 50 new accounts), they're gonna count it against you. supposedly you should just leave it blank, because if anything it'll do more harm than good. everything I’ve read or heard about making a personal statement on your credit report seems to imply that it’ll do absolutely nothing in the eyes of creditors.

you can explain away your collection all you want, but if you have one.. they’re gonna count it against you. you can try to make a note about identity theft that hasn’t been resolve yet (hence the new 50 new accounts), they’re gonna count it against you.

supposedly you should just leave it blank, because if anything it’ll do more harm than good.

]]> By: jim http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-22659 jim Wed, 13 Sep 2006 19:15:09 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-22659 Except no one would believe you. Except no one would believe you.

]]> By: Nick http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html/comment-page-1#comment-22656 Nick Wed, 13 Sep 2006 19:11:14 +0000 http://www.bargaineering.com/articles/statements-of-excuse-or-dispute-on-credit-reports.html#comment-22656 I wish I could leave a Statement of How Awesome I Am, So Please Give Me Credit. I wish I could leave a Statement of How Awesome I Am, So Please Give Me Credit.

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