If I dispute all bad items on my credit, even if some are owed... will they fall off?
I have some things in collections that are destroying my credit. One is Sprint that has me in collections and American Family insurance is one also. Do I just ignore these and let them fall off and just pay attention to the ones that are in good standing? I have 2 auto loans that are perfect. I have found companies that will take the items off even if they are owed. But not sure how well that will work. Any advice I can get to get things going better is much appretiated.
Yes you can file a dispute with the CRA's regarding those debts, but the CRA's will contact the creditors to validate the debt, and if it is validated, then it will NOT be removed from your report.
If you file too many disputes, the CRA's can consider it a frivilous dispute and do nothing.
The only time you would file a dispute is if the debt is not yours, stolen identity, or the creditor has re-dated the debt which is in violation of 15USC1681s-2] ยง 623. Responsibilities of furnishers of information to consumer reporting agencies
If these debts are time barred (beyond your states SOL to pursue legal action, then yes you could just let it ride untill they are no longer reported. If they are NOT beyond your states SOL, then you could wind up in court.
Check your states laws at the following web site
http://www.bcsalliance.com/statute_of_limitations_on_debt.html
Filed under auto insurance price quote by on Jun 28th, 2010. Comment. 
How do you think a stereotype develops?It develops when u see a pattern from a partcular group.?
I think stereotypes have truth to them. The stereotype that asians are good at math would probably be more truthful than not cause its common to see that they are.Or the stereotype that they cant drive good probably developed from the high number of auto insurance claims by asian people compared to other races.So i believe stereotypes hold a lot of truth.
I think you're missing a fundamental distinction between generalization and stereotype. A generalization is like saying that Canadians like hockey. A stereotype is like telling me that just because I'm Canadian, I have to like hockey (I do, but that's beside the point).
Generalizations sometimes exist for a reason. Stereotypes only exist because people are too lazy to get to know a person out before applying a label to them.
Filed under auto insurance price quote by on Jun 25th, 2010. Comment.