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D T in Sedona

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  • How exactly do you get bad credit removed from your credit file?

    I have written letters, sent in documentation over and over again and have not been able to get items removed from my credit file. Many things are not mine, information is plain wrong even my birthday and still I cannot get them changed or removed. I pay my bills on time but due to all this bad stuff... for years and years... I cannot get a good credit score or even get credit. Some of the big things are an IRS report of a paid lien dating back to 1989 under my ex-husband's ss#. Another are medical bills owed by my ex. And also a foreclosure and I have not ever had a foreclosure! I did get a bankrupcy removed by being in a class action law suit. I have never filed for bankrupcy. Help Please. This is so unfair!

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