Credit Report Question and Answer

Hi Mr. Majors,
I found your credit site on the search engine provided by aol. Well I am looking for advice. I have been provided with effective tipe to repair the credit scores for both myself and my husband. Our credit not that bad--we each have all three scores ranging from high 500's to low 600's--however we used to be 700's at A credit. We pay our bills but sometimes I am forced to go over the 30 days mark and it has cost us our good rating. I have been trying my best to be timly with our paments since I started the dispute process.

I ordered all three reports for each of us and began disputing everything on line through each beuaru--every 30 days when I get the results I go back in and re-dsipute. While some of the negative item,s have come off--most have not, they have simply been verified and up dated with the creditor and at this rate I feel that our scores will not come up as much to get as back to A. I was wonderingif you have any suggestions that I can effectivly get help without paying a law firm? I may have to resory to writing letter, but if on-line disputes won't work, why will the letters? Please help if you can.

Thanks REAL PERSON
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the fact is not all credit can be restored
and so you have found that out
make sure your debts are less than 80% against high credit limit
try to make deals with creditors buy paying back and maybe a fee to remove items...credit is real...and hard to repair
sometimes time is your only hope
7 years that is......
Get a 3 Bureau Report with free score here!
Goto My Website

Divorce Credit BankRuptcies BK's Bk Get Home Loan Mortgage
FROM REAL PERSON
To: majors@oskie.com
Sent: Wednesday, April 14, 2004 1:50 PM
Hi Again,
Thanks for the response. I am just a little confused becasue the woman I work with and her husband both divorced and got real ugly credit and she actually had to file BR- using -the link below and did everything I am doing and she had the BR removed and all other neg items and they both now have high 700's. She claims i just need to be persistant with it--she said NEVER pay anyone do it yourself for free, never have a co. try to lower payments for you etc becasue that makes it worse. Given the fact that she owns a mortgage branch and has to often help people who have ahrd time getting approved I figure it's solid advice. Take a look if you haven't seen it. I like your idea about offering a fee--has that worked for anyone you know of?? It almost sounds as if if wouldn't be legal on the end of the creditor but if it's affordable it may be worth a try.
Thanks REAL PERSON
------------ Original Message -----
ulll notice there is a link on the site below for debt consolidation........my site is my own real life experience and i dont have a webmaster
it's just me.....see how fancy that site is.....try to call the owner......or email him......whatever

im real and i speak the truth
uv done alot and may be that is all you can do for now
but lets just think about this
and ask your mortgage lady about this
is it worth say 100 to know KNOW you done everything you can.......
i think in many cases it is
try to open new accounts and pay them well
2 years from now you will be in great shape
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Experian Help Lawyers or Repair Companies
Sent: Tuesday, June 15, 2004 10:08 AM
Subject: Great Page

Bo...I found you as I searched for the elusian Experian mailing address.
I like your no-nonsense approach.
Question: is there a time or an area that an attorny is helpful in a rebuilding program? Does their letterhead demand respect? Can they navigate certain areas a consumer can't (threats of suits, etc.)?
Regards,
REAL PERSON
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Sent: Tuesday, June 15, 2004 10:57 AM
Subject: Re: Great Page
no doubt sometime an attourney will comand attention to the orignal creditor.....many times though there becomes a disconnect when you do this have you tried to resolve this problem yourself with the creditor
are they in the wrong for sure?
and will not correct it?
have you beeen humble as much as possible?
if these avenues have been explored
then yes
i would consider the BBB
and maybe a lawyer
and maybe even lex law on my website
i mean for 35 dollars what can it hurt
you must realize however
i do not know your exact situation
and i am unable to give exact directions
and rememeber
not all credit can be repaired or removed
in fact..... if the credit file is accurate and the company has a rule of no changes....you may be stumped
of course you can attach and ammendment to your files 50-100 words or less.....i would try about 25 to explain the error
even though this willl not improve your score...it does help future creditors to understand the reasons behind the entry
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Sent: Friday, January 16, 2004 11:24 AM
Subject: Bo: question regarding experian
Bo, your website on credit companies is very impessive and helpfull. I have one question. I mailed in my dispute to experian about 15 days ago. Then, I got to thinking, what happens if they just never respond at all? I understand that in that situation they are required to remove the damaging information in dispute. Thus, if I send a letter after 30 days from my dispute letter, informing experian that they now have to remove the info, what if they just never respond to anything? What can I do than. What if Experian just tells me that they never got my letter, or don't know of any
letter.
How high up the latter of there would i have to go to get action taking on my request after the 30 day period expires? I guess in the meantime I'll just wait out the last 15 days and see if i hear from them, although I dought i will.
REAL PERSON
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From: "Bobo Majors"
To:
Sent: Friday, January 16, 2004 12:40 PM
Subject: Re: question regarding experian
the 30 days is an internal thing.....
if a credit bureau does not get a response from the creditor on your
account they have to remove it.... not exteranl where if the bureau didn;t return an answer within 30 days it has to come off....that doesnt work.....if there is ot response the best thing i can say is to...DO IT AGIAN......sorry......do the recipt mail thing....for the most part they will get your letter and resond....it;s very seldom if ever you will not get a response...give them at least 30-35 days before your freak out and croak....it's not worth it...Bo Majors
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hi my name is mike from sc,ive been battling these credit companies for a while,what ive been doing is hitting them everyday disputing my credit,,i guess they got tired of me they took every neg things off my credit,ive sent them letters,and so far everything came off,so i went to a gm dealer tried for a loan,walked out with a 2004 chevy caviler no money down,but the only trouble aim having is inquires,any ideas for that??? but as far as cleaning credit its easy to get things taking off just time cunsiming.u know by law they have to call u to verifie its ur debt i use that for leverage on the 3 companies as well that usally works the best.iam going to start doing this for people on the side,like lex lawfirm thats what they do and charge the heck out of yea,i think i will do it for 350.00 bucks. but if u have any good imfo id like to hear from yea thanks for your time,mike
Lexington Law....the credit Repair Experts