Credit Card Report Fraud

----- Original Message -----
From: REAL PERSON
To: majors@oskie.com
Sent: Wednesday, October 27, 2004 1:05 PM

Just wanted to say thanks for compiling the 3 addresses. I’ve been a victim of credit fraud. Someone actually used my name/info to open an account and charged up 25,000 dollars and then some. I was there friend (not anymore) and worked for them at there office and was told to use this credit card for gas occasionally if needed and that I was being put on it as a signer (not the business owner). Anyway they filled out the form as though I was the one who asked for it and since I charged gas a couple times on it – I became fully responsible. What a horrible lesson I’ve learned. Your website helps get through some of these headaches. I never had one problem with my credit till now. It was also a lesson learned in checking my credit regularly. The world is full of ugliness unfortunately and we really should not have to go to these extremes to get half this stuff off our credit reports because companies should be sure that it comes off once your 7 years are up and the loans have been paid but unfortunately we have to follow up on those things too.
This has been a nightmare but thanks for your help.
D
Real Person
REAL PROBLEMS
Listen
It is encumbant upon creditors and bureaus to protect consumers from this ugliness.
1. the creditors should have contacted you sooner than this or at least helped you.
2. the bureaus should have to noticed a marked change in your credit habits and flagged your account, and possibly called you before it got too bad.
Hope it all works out.
Bo Majors

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Home Puchase and 466 Credit Score

----- Original Message -----
From: REAL PERSON
To: majors@oskie.com
Sent: Monday, October 25, 2004 9:30 PM
Subject: our credit report
my hub and i have been working so hard to clean his report to buy our first home we are getting no where, we had a jundment report was removed and stuff not belonging to us i am trying to find what each item is in points is fico score is 466 we just cant get a head i haave disput almost everything any thing else we can do?
---------------
Bobo Majors wrote:
try to find owner financing
you need a stable job history only for most owner financing
ask a realtor
--------------
From: REAL PERSON
To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:36 AM
Subject: Re: our credit report
my hub been on his job for 4 yrs same trade 20 yrs we are trying to buy a modular home and land it will be our first home
------------------
Bobo Majors wrote:
your gonna need owner financing
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To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:39 AM
Subject: Re: our credit report
what is that? how can u have that when it is brand new?
----- Original Message -----
From: REAL PERSON
To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:51 AM
Subject: Re: our credit report
can i bring it up in less then a year? his score?
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Bobo Majors wrote:
what i am saying IS
you will have to abandon the NEW thing
and look for a place that someone would rent to own or the like
410 is so abysmall there is no chance in haydees of getting financing
unless you put 1/2 down
----------------
sounds like it would highly unlikley
you have disputed
you have called
you have paid things
but 466
lord ive not a report that bad in a year or so
510's....520's is about as low as i have seen
and 450 is as low as possible

466 is pitiful
id have to see your credit
but sounds to me like you have never paid anyone in your whole dang life
your whole dang life
so why would you now...is what the creditor ask
then i bet you don;t have anything to put DOWN
if are are going to be able to make payments
one would assume you have some money saved
borrow 1/2 down from you mother and get her to co sign
and maybe they might look at it

i don't mean to make it sound hopeless
but really it is

you need 7 years under your belt
and narry another bad mark
and some re established credit

i would send 400 to a gas card company
pay them good for 2 years
and pay them more than you charge
it will raise your high credit limit above the 400 you sent them
but with a 466 they might even send you money back to you

its that bad

466
how did you manage that>>>>>
that my friend is almost impossible to do even if you TRY to screw your credit up

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Debt Consolidation & Credit Scores

Sent: Monday, October 25, 2004 2:38 PM
---- Original Message -----
From A REAL PERSON
To: majors@oskie.com a REAL PERSON

What is your opinion on debt consolidation. I have decent credit, just high usage to limit ratios and my interest rates are so high that it makes it hard to lower the balances. Would it be beneficial to do debt consolidation or would it just lower my score since the accounts may be closed by the lender once I enroll in the programs? Are there alternatives to consolidation?

Manager, Business Development

i think you are right about the debt hurting your score
BUT
that is only if you know what your score is
if it is bad 575 or less
it really doesn't matter about consolidation
your score is bad anyway
my rule of thumb is how bad is your debt

if your debt is more than 1/3 to 1/2, your yearly income then you may be in trouble and need help BAD

alternatives would be
second mortgages or personal loans from banks not finance companies

thanks
bo majors
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Lex Law and credit repair

----- Original Message -----
From: Real PERSON
To: majors@oskie.com
Sent: Tuesday, October 19, 2004 9:47 AM
Subject: Interesting web site

Hi there, I just finished reading your website and I really found it interesting.
About two years ago I found out my husband was having some problems with the bills and (long story) I ended up with terrible credit. I even had a leased car for 4 years and when the lease came up and I asked to buy it, they would not let me.

Let me start by saying I have no idea what my score was...but it must have been really terrible. I had a tax lien that I did not even know about, a foreclosure, and number of late payments.

I got on track, signed up for Lexington Law (a web company that I send 35$ a month to and they dispute anything on my report that I am not happy with), and starting making all my payments on time. Lexington has removed the foreclosure and some of the late payments (by the way, legal I checked it out first) and I just got my score yesterday and it is 644.

Not great, but I am hoping at least acceptable for now. Of course, I am still working on it and I am proud to say I have no real credit card debt to speak of and I have saved about 20k.

Question: I have a small credit card where the limit is $550. Sometimes I pay it all off, Sometimes I have a balance of $300.00 or so. I asked for a low limit because I did not ever want to get into trouble and run it up. Is this smart....or is my ratio off because I have such low aval. credit? What do you suggest?

My husband did not sign up for Lexington Law credit help, but he did so just this morning. His credit score is 560. He has a tax lien (on one report) that should have come off like the other two reports (we paid it off), but I guess they have not gotten to that yet. I am sure that will help him by a few points when that comes off.

Is my credit score in a range where I could apply to make a purchase again? I have not applied for a car or home because I feared that my score was so much lower than the average.

Thanks so much, and I will share your site with my friends and family.

REAL PERSON SIGNS

640 is usually the cutoff range for mortagages unless you get owner financing......so yes your credit should get you in..... IF you quailify........... based on debt to income and the banks do not hold a tax lein against you.

but I am glad to hear positive things about LEX LAW. I have heard time after time how good they are and how they make it easy to do the impossible but with by the law. Hard work. And come up with ideas that regualar people can not imagine......SO I believe in LEX LAW. They don't cheat. You can quit anytime. AND they do not prey on poor people with no brains. They actually force bureaus to obey the LAW.
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