Colo, I believe you have to dispute with each credit bureau, not just one.

You can, but the credit furnisher has to update all three when responding to a dispute. So since they will all get the update it is best to just pay for one credit report.

If they are reporting to all three, you can actually do just one, when one update, they all update. I, like you hjm, will hit all three just for the heck of it. It is best to do only the ones that shows the error instead of calling all three. I know that my TU, does not have the last baddie on it, but exp and eq does. TU dropped it before they all did, but I am for sure they know about it.....lolz. This is my last month with any baddies, watch ex, hold on to it for sometime in sept, I already know how they work...lol

Colo, I believe you have to dispute with each credit bureau, not just one.

Like Brian said, they usually come off on their own; however, some finance companies do report them as terminated. Again, like Brian said, request a copy of a credit report and dispute the trade. I find that TU is the best for this because you can usually type in what your dispute is whereas the others make you chose from a few options. And just clicking "not mine" is not sufficient. You only need to dispute with one bureau, any changes will be reported to all three.

I have a problem. I'm trying to rebuild my credit after bankruptcy 12-2008, so I was put on my boyfriend sears and first premier cards because I thought he was really trying to improve his credit scores also, but he started paying just the minimum amount due and he almost maxed out both cards. I called the cc companies and had my name removed as an authorized user because of his actions. I would like to know if I could get these 2 cc off my report completely and if so who do I give the request to, the cc companies or do I contact trans, equ, and exp?

Hello Tosha. In my experience, when you remove your name as the authorized user the accounts are removed from you CR. If not, than pull your credit report from the 3 bureaus in about 30 days and dispute them off (list them as not my account) and they should just pop off. Hope this helps...

I have a problem. I'm trying to rebuild my credit after bankruptcy 12-2008, so I was put on my boyfriend sears and first premier cards because I thought he was really trying to improve his credit scores also, but he started paying just the minimum amount due and he almost maxed out both cards. I called the cc companies and had my name removed as an authorized user because of his actions. I would like to know if I could get these 2 cc off my report completely and if so who do I give the request to, the cc companies or do I contact trans, equ, and exp? :

Meya mentioned Citibank Cards. They have been reasonable with their Citi Card Platinum Select Visa. So:relieved:mething you could explore.

thanks for the help. I'm glad to hear I have at least one prime card.
My limit on chase is $1500 and captial one is $1100 Hooters $2000

where can I find a list of prime cards. Cause to help your score dont you need to have at least one of them.

That is not necessarily true....length of credit, a low debt-to-credit line ratio and no negative information are the keys to a higher credit score. Granted, the prime banks generally issue higher limits so yes, that can help with the debt-to-credit line ratio.

Most people with good credit will have the prime banks because they want the better deal. Think of it as a means to an end; having good credit means that you typically have the "better" banks.

here is a list of cards I have right now are any of them prime? I guess I'm just that sure of the difference in prime cards to sub prime.

capital one
Chase ( which was a wamu card)
hooters
homedepot
target
walmart
jcpennys
gap

but I'm canceling gap, walmart, target to low of limits

Chase is prime even if it was a WaMu before
Capital One is prime depending on the credit line/APR you have. (higher limit and lower APR or Visa Signature etc are prime).

As far as the others, people from all walks of life have many of those cards especially Penney's.

here is a list of cards I have right now are any of them prime? I guess I'm just that sure of the difference in prime cards to sub prime.

capital one
Chase ( which was a wamu card)
hooters
homedepot
target
walmart
jcpennys
gap

but I'm canceling gap, walmart, target to low of limits

where can I find a list of prime cards. Cause to help your score dont you need to have at least one of them.

Subrpime can help your scores just as well as prime. I do agree that, it is good to have at least one,but in the meantime, here is the link in which Charon was talking about https://www.financeglobe.com/ScoreMatch/

IMO, I would say start with Citibank first. They are pretty cool, and have not heard any bad news about them (besides what we hear about all the rest) Good luck and keep us posted.

You can enter your credit score in the card finder on the FG homepage and a list of credits/issuers will display based on your score.

where can I find a list of prime cards. Cause to help your score dont you need to have at least one of them.

If there was a smiley face with a halo over it, Meya would over do it and put it out of order.

I think you are right