How Kaydem Deletes Negative Credit Items

Deleting negative credit items off of your credit report on your own is not impossible. If you know what chain of tasks to perform, you could do it  yourself! But if you are serious about removing negative credit items, there are specific strategies that must be followed to achieve quick results- and not damage your credit further! The list of procedures is long and time consuming, but not impossible to achieve;  if you know who to contact, what department to call at what bureau, what internet site to dispute from, what confirmation number to put where, what documentation to send to what address and a list of 14 other items you could complete the tasks on your own! (Don’t forget this must be repeated over again for more recent, stubborn items!) The task of deleting negative credit items can be extreme to say the least, at best you could get frustratedInterview with marginal results, at worse you could accidentally cause a bigger problem by establishing worse remarks on your credit report.

The way it works. In order to put something on your credit report, your creditors must follow a law called the Fair Credit Reporting Act F.C.R.A. If a creditor fails to follow this law they are potentially liable for a major lawsuit. When a credit item is disputed the creditor in question must respond within 30 days to the dispute. If over the course of disputing a negative item, the creditor does not respond quick enough, the credit bureau deletes the negative item so as to stay compliant with the law. Additionally, when bad debt is sold many times banks simply sell electronic “data files” and do not have the original signature that you supposedly signed legalizing the contract. Thus if no signature can be produced, then these items by law should be deleted.

So what can we do for you? What Kaydem does is challenge these creditors via multiple dispute channels. We do this via the internet, mail, fax and phone. When disputing a negative credit item with the right information that validates our legal claim per the FCRAthe creditDictionary Series - Science: knowledge bureau must delete the negative credit items or potential face a lawsuit.

It’s obvious that these companies don’t want to go to court because they are not reporting information correctly. The cost for them to delete the negative credit items from your report is negligible. When negative items are challenged via the right channels, with the right supporting documentation, the credit bureaus wont ignore the dispute as it could potentially cost them thousands of dollars in court fees later.

Whether you actually missed a payment (loan, filed Bankruptcy, had a Civil Judgment put on your credit) isn’t an issue! What matters to the credit bureaus and to Kaydem is whether or not the information was reported according to current law. If it wasn’t reported correctly then it mustbe removed. Click the link below to create the credit you deserve!

Not sure what you need? Contact us. We will be happy to help you determine what service best suits your needs.