So, what's a good debt/income ratio?

[RPM]

bigbet,

having over 40k in available balance doesnt hurt you unless the balances you are carrying are over 33% of your limits.

having that kind of spending power actually looks good on you if you are using it reasponsibly.

 

OK...do I have to give a reason as to why I'm disputing the item?

 

[RPM]

yeah.

you can either try saying it isnt your account, or go with something along the lines of the balance is wrong, or the account was paid.

best bet is probably that it isnt your account.

 

OK...I can't thank you enough for the advice. I will submit an inquiry to the bureaus asap and let you know how it works out. If this thing goes it's going to cut the majority of my debt out.

Again I owe you one...(even if you're a Ravens fan)

sb

 

[bigbet1234]

so, RPM, you are saying you can say the debt on the creidt report isnt yours?

what is the best reason to give to have something removed?

thanks

 

[RPM]

NOT YOUR ACCOUNT.

worst case scenario is that the info will be confirmed, and you will be stuck with it.

if the original creditor doesnt send the agencies proof within 30 days than the account has to be removed from your report.

BTW, I JUST RETURNED YOUR EMAIL.

its all part of the fair credit reporting act.

 

[wilheim]

..........