Thanks X5guyinLA,

The below information is the type of stuff I was looking for. But I was also hoping to hear from someone that has actually done it, so they can tell me how successful it was, how much it cost, how long it took, etc.

B

Thanks to the many laws that have been enacted by our government for your benefit,, It is often easier and cheaper for a creditor or bureau to remove a derogatory item than it is to fight it. For them to successfully argue that a debt is yours requires them to find the "original" document and original signature. If the original document is in a warehouse in Alabama, it could get very costly and time consuming to find. And remember, if they can't find it and verify it within 30 days, it must be removed. Few creditors will spend hundreds or thousands of dollars in man hours to find a signature to prove you owe them money that they know they will never receive anyway.
This is the same principle that attorneys use every day to extract multi-thousand dollar settlements from companies that actually have no legal liability. It's cheaper for a company to pay $5,000 that they know they don't owe than $50,000 to PROVE they don't owe it! In a nutshell, that is why credit repair techniques work.... When you use the laws that congress has enacted (that we teach you), to dispute derogatory items on your file, bureaus and creditors alike often decide it is in their best interest to allow the item to be removed.

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"When two people agree on everything, one of them is not necessary" - Arliss