• Omgboom
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    25 days ago

    If you really want things removed from your credit report there are easier ways. You can send creditors letters asking for them to validate the debt and their legal right to collect the debt, sent certified mail. The entire point is to make it as burdensome as possible, and they legally have to respond to these requests or give up trying to collect the debt. There’s guides online and you can have chatgpt write the letters for you citing the relevant laws, it’s pretty easy. I’ve done it for some debts that I disagreed with their validity and had them removed

    • hex@programming.dev
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      24 days ago

      Just wondering, what kind of debts would qualify as being invalid in your eyes? I can’t really imagine it, but I’ve only ever dealt with credit debt and lines of credit. I don’t see myself sending mail to my bank saying the line of credit they gave me is invalid lol

      • Omgboom
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        24 days ago

        It was over some bullshit fees that Viasat (terrible ISP) charged my account after I cancelled, they sent it to collections. It wasn’t even over cancelling the contract, I paid the early termination fees. It was for not returning part of the dish they installed on the roof, that they didn’t tell me I had to return until months after I moved and no longer had access to the property. But around that time I happened to have read about writing letters to remove bad marks from your credit history, so I gave it a whirl. I had an AI write the letter and then sent it certified mail to the collections company.