apartment is taking me collections. is there anyway I could dispute this?

My X apartment is taking me collections. I had to move out of that apartment because of all kind of leaking that was going on. I had water come in from the apartment on the side of me. It leaked into my bedroom, then about 1 or 2 weeks later I had a leak in my bathroom vent from the upstairs apartment. So I left that apartment as soon as I could. About a month later I get a letter in the mail telling me I owe them $200.00.
They charged me all kinds of cleaning fees! I cleaned that apartment as best I could with all that went on. I think they are just trying to get some money back. I would like to know if there is anyway I could dispute this??

If you can help me in anyway it would be much appreciative.

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Sounds to me like you should have taken pictures, documented calls to the landlord and protected your interest before hand and not after.
If you have any evidence please us it to your best ability. 200.00 is not a lot of money if your credit is good now. If your credit is bad it will not matter much. 200.00 could cause you a lot of interest in the future and it would be better to pay than loose good credit. If the item is on your report now it is probably too late to help you and payment will not help your score.

So Have you checked your credit lately?
Is your credit 650 + ?
Is the 200.00 on your credit already?
If your score is 650+, and the item is not on your credit now>>>..
PAY IT FAST.
I would rather loose the apartment battle than loose the credit war.
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Yes I have pictures of what happened on both occasions.
I do have good credit and don't want this to go on my credit report. Can I reason with the collection agency?
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I would go to the apartment bunch
But would still pay the 200 before it went on my credit
Do you still not know if it is on your repoprt?
and do you know your score?
some people think they have good credit because they have paid people off.........if you have been late on all your payments but paid them off.......you have bad credit folks
do you really know your credit score
have you seen your report
If it is 650+ pay it and go on
The collection agency has no dog in the water leak fight
All they have is a debt that has not been paid
Thats all they know and care about
They will not grant you absolution based on your pictures
The apartment complex MIGHT
If you go to the BBB and state a decent case

A Debt From 1999 Will be marked Paid! Is this what I need credit score Points?

Hello
And Thank Heavens For Someone Like You
I Am Doing Some Reading And Trying To Clear Up My Credit Your Probably Hit With Hundreds Of Questions A Day But I Am Really Desperate For A Fast Answer The Collections Company Is Expecting Payment This Morning I Have A Debt From 1999 However My Credit Report States The Debt Is From 1/1/ 0001 Balance Due 1,086.00 The Woman I Spoke to Said It Will Mark Paid On My Report Once Its Paid Is This What I Need For The credit score Points? Or Is There Something Else I Should Ask About? Please Help I Know That After Some Time I Think 7 Years It Doesnt Matter Any Way Right?
----------------
Right
If they mark it as paid but do not take it off it will not help your score at all.
Matter of a fact it might hurt your score.
Redated to 2005 marked as paid on that date or "date of last activity".
So in 2008 it falls off completely
Right now it pobably has little effect on your credit if you have current credit working right now. The last 2 years of credit is more heavily weighted.
I would make a copy of my report now. Then tell the creditor it is of no help to pay the balance unless the entry is totally removed not just marked as paid.
So at this time you feel it is in your best interest to leave it like it is unless they are willing to do so. Then explain the you have made a copy of your report with a date and if any changes are made or any re-dating, inquiries or other unlawful activity occurs, you will be forced to contact the ftc about your explicit rights under the fair credit reporting act and a possible law suit may arrise in conection with any such activity. I am not trying to be rude but just have to do what is best for me and I have rights under the fcra. Please do not call me anymore or use any unlawful practices to collect on this very old collection.
------------------
Wow Thanks So Much The Woman Kept Saying It Would Be Marked "Paid" And I Was Curious About This Because I Dont Know Much. However I Asked What That Meant She Said She Had A Long Day And She Would Explain Tomorrow. She Faxed Me What She Called An Agreement Giving Me Until The 30th Of The Month To Pay The 275.00 Settlement. I Was A Little Weiry I Was Waiting On You To Reply Back To Me So I Asked Questions After She Called Me 6 Times I Finally Pick Up And She Demands The Money (My Bank Card Info) Now! I Said I Thought I Had Until The 30th She Gets Really Angry, I Refused To Yell Or Get Angry I Thought This Was Outragious Behavior Is It Normal? She Then Puts A Man On The Phone Who Is Screaming in My Ear About How I Got A Great Deal And I Need To Pay Today And They Will Not Charge My Card Until The 31st Im A Little Shy About Shooting Off My Bank
Information To Anyone. But Make A Long Story Short I Told The Man Who Was Very Angry That I Would Call Back After They Cooled Off Because Paying Off A Debt Is For Me Not Them And I Didnt Understand Why They Were So Angry He SaidI Was No Longer Allowed To Speak With Melissa He Was The Attorney On The Case And I Had To Deal With Him He Gave Me His Number And I Said I Would Have My Husband Call.
I Do Feel Like You Helped Me Im Not Sure Whats In It For These Really Mean People Im Sure They Get A Paycheck Rather I Pay My Debt Or Not So I Dont Understand How They Can Spend Their Lives Being So Upset With Strangers On The Phone. I Hope They Are Nice To There Families Because It Seems To Me As Though These People Are Very Stressed Out Again I Am Just Another Person Trying To Make Things Right With My Credit I Am A Fan Of Yours Now I Love What You Do I Think More People Should Know About You.. You Are An Angel Giving Information To Me. This Is A Life Long Commitment Changing My credit And I Need As Much Help As I Can Get To Do it The Right Way.
Thankyou Again And Happy Holidays To you.
---------------
Sounds like they are already out of bounds on the collection laws stated in the FCRA. Collections normally occur withing a 6 months time frame. At this point the creditor has already tried to collect and sell the debt for pennies on the dollar. The creditor takes a tax deduction from the IRS for the difference and the collection company keeps whatever they can collect on. That's how collection companies make money. So if they do not get your money they do not
get paid and go out of business which is good for you. Then you could dispute the file and have it removed since they cannot respond. So keep the phone number and check every 6 months or so from a pay phone or something.
In this case it sounds as if the file is very old and has been written off totally by the creditor in the first place. If this is so they collection company could afford to agree to a 1/4 payment because they have no investment. If this is the case collection might be illegal due to multiple collection on a written off debt to the IRS.
I bet the guy screaming was not even a lawyer. What do you want to bet. Tell us anything to get us to pay.
To be quite honest I paid every debt I ever accrued and feel everyone should pay ALL true debts. However if I was this far down the road I would not pay knowing what I know now. I paid an electric bill I owed 2 years late and it was redated. Same for another debt. But that was years ago before I got into this website on accident to help people like me. I found it very difficult to find information on the internet back then for credit help with the bureaus and even harder to talk to a real person.
------------
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how much will my score rise if I have a collection removed

Hi, and thank you so much for your helpful information. One thing I was not able to find though was how much will my score rise if I have a collection removed? I know I have succeeded in doing the impossible but I did it, not paid in full, not evened, REMOVED. My score is now 643 with the collection on there. I don't want to do another as it may lower it more. So just ball park how much does a collection lower your score? 20, 30, 80? Besides that I never
miss a payment my credit cards are high right now so I am paying those down quickly. I have worked really, really hard on my credit the past few years and this collection from a hospital for $44 from 6 years ago popped up but now it's gone.
Thank you,
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if the collection is within the 2 year margin I would venture a guess of 25 points. But no one knows for sure. It is sort of like the bcs rankings. I do know this, a collection has 2 negative effects on your credit. 1. it shows you have 100% balance against high credit on that account. 2. It shows you diidn 't pay a bill that was sent to you over a period of time. Normally collections only show up after numerous attempts to collect.

Another note. 44$ is not a whole lot of money and if a small collection like that is over 2 years old either make sure it gets deleted fully or do not pay it. It is far better to have the collection 2 years old than paid and recent.
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BlogRankings.com

I would really like to buy a house with in the next 6-12 months

hello, my name is REAL PERSON
I have put myself in a real bind with credit issues while I was in college. Now I have recently paid off my credit card debts and would like to know how to rebuild my credit score so I can buy a
house for my fiance and me. Everytime i go for a loan, they practically laugh at me. What do I need to do to get back on track? I would really like to buy a house with in the next 6-12 months. Thank-You
James Oakes
----------------
my best help would be to say
buy a owner rent to own home
there are planty of home owners who rent
many will rent to own

my second best offer
would be to get a credit card by putting a downpayment with your app in
use it for 12 months then you will have a rated trade

of course you havent shown me your credit report
nor do i even know if you have seen it

so it is such an opened ended and opened beginning
no one even knows
probably not even you what is on your credit

after filing bankruptcy, law leave these accounts open with balances

Hello,
You must have had major problems in resolving credit reporting issues to help other people resolve theirs! My question is this: after filing bankruptcy and getting a copy of the credit report, I disputed the accounts that were included in the bankruptcy because the report stated there was still an account balance, past due amount and that the accounts were still open. I sent a copy of the bankruptcy along with the dispute forms and when I received the response from the credit bureau they had not changed anything.
Can they by law leave these accounts open with balances and past due amounts showing on the report?
Thank you so much for your help!
---------------
I think they have to show account included in bk and zip the balance due part. Most times bureaus have to be promted. Well I should say always have to be prompted. No prompt no action. bureaus are in the data business. But yes most all credit items will show negative for 7-10 years even with the bk. Bankrupcies resolve debt issues not credit issues. 2 different issues with the same subject.

we missed almost 5 months of mortage payments

Hi Bo:
My name is John Wilson..I live in Louisiana..and ave had trouble getting a job and got one in Memphis..and am working there..not to mention the hurricanes my wife stays home and keeps house in Louisiana.. my credit is terrible..around 495..we missed almost 5 months of mortage payments..even though we sold a piano and brought
it current..plus a lot of other stuff.. do you have a service to help people get their credit up..if so, I'm a great candidate..look to hear from you..
Awesome site..
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I do not have paid for service. Everything is free and online.
Well John this is a perfect case for some one to step up and do something THATS RIGHT. They are correct in that you were late as you clearly state. I would probably have asked for relief from the start. But t is never too late. I would call each creditor.
---------------
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bureau might make a mistake and eventually take the bad record

Quoting Real Person

How are you,
I like the support you've put online for the rest of us. Thank you. I've been told by friends that if I get my report and send my first dispute letter and if the bureau doesn't take the bad record off of my file (no matter what reason), that I could resend another dispute letter right after and after doing this a few times the bureau might make a mistake and eventually take the bad record off my file (perhaps from overlooking something or just out of confusion).
Do you think that's a good strategy to get bad records off? I'm not talking about bombarding with mail, but waiting till a response
comes and then resending the requests.
------------------------
This does happens sometimes
I would say not often and it makes bureaus mad.
Try around this time of year and you have a better chance.
More than likely they will send you back a frivilous dispute request letter for duplication of efforts

I would try the creditors a little if your dispute does not turn out
and write down everything you do and who you talk to and what happened on what day.

Hit them with all you can using lawyer like tones and facts.
Explain your rights under the fcra
Keep checking your credit online
The creditor might make a mistake and check your credit which is unlawful.

I am sure that they can not produce my signature on the collection as my ex husband signed my name.

Quoting Real Person :

Dear Mr Majors,

Years ago (I believe 1985) my ex husband opened an account with Sears in my name (without my knowledge). As far as I know, no payments or action has shown on the account since the late 80's. Today I received a phone call from a collection agent. I explained to the woman on the phone that it was my ex's account and she said it didn't matter. I told her I wouldn't pay it and that it was not mine. She said that collections would proceed.
I am sure that they can not produce my signature on anything as I had never used the account. What recourse do I have? I thought after an account recieved no payments after so many years that collections agaisn't the account could not be done....I thought this matter long dead as it's been at least 15 years since I last heard from Sears regarding this matter.
Thank you for you answer in advance
Sincerely Real Person with credit fraud.
---------------
Sounds to me like you have a valid legal arguement by the FCRA
I would send them a letter stating I believe rights have been violated by the law and wish to see my signature on any documents they have in my name. In addition I would state if they cannot provide this information To elimnate the collection or face the possibility of suit and reporting to the FTc. If you find the signature on the documents to be foorged you plan to follow all your legal avenues as far as forgery and illegal collections on a forgery. Send the mail with confirmation recipt requested and keep a copy of wht you sent them.
Explain you are not trying to be rude but just trying to make sure no one has violated your rights by the Fair Credit Reporting Act governed by the FTC. They must produce a copy of the signature or thus be sublect to FTC laws. Rememeber to not be overly demanding, but to just state the facts and ask for all required documents by law.

Email Bo a Question

how long does your credit report reflect your bad credit

How long do credit files stay on my record? How long does your credit report reflect your bad credit?
7 years for bad credit, late payments, collections, charge off's. Lawsuits and judgments 10 years or until the statute of limitations runs out in the state. 3 years for inquiries. Diminished effect on my credit score takes place at 2 years out. Good or bad! If you have not used credit in 2 years you score will be gone. Must have used credit within the last 2 years.

3 bureau bureaus credit score & report reports

Quoting "REAL PERSON" :

I have to ask if you have ever come across this before. I have been trying to buy a house and found our credit scores were low and have been disputing inaccurate, outdated information on all three reports. These reports vary buy 100 points in one case (Equifax and transunion). Today, I disputed an amount that American Express said I owed. It says I owe them 5500 dollars, but in truth that was 3 months ago and I have since paid it all. I received an email notification from my fico.com that my score dropped 15 points today because of a disputed amount with American Express. I bought another credit report to make sure absolutely nothing else has changed and it hasn't. But what I did notice that none of the disputed amounts are noted in my total debt amounts when I used the
score simulator. My debt is actually 23,000 dollars and it states that I only have 10,000 because of disputed amounts. Is it possible for my score to drop because I am disputing something on my report? Please help me I am ready to scream You can respond to me if you would, at dsumner35@bellsouth.net Thank you so much!
---------------------
none of that sounds right at all. On disputes they either come off or they do not. If they do it helps. If they con't it stays the same. Disputing never really hurts. A permanent comment about making payments or some sort of thing might hurt. Above 80% on high credit limite might hurt. Sometimes a creditor may lower your limit as they get paid to make it harder for you to get out of credit delerium. But none of that makes sense other than scores can rnage 100 points from bureau to bureau if some items or only on one bureaus report.
Hope this helps.
3 bureau bureaus credit score & report reports
Credit scores are not available without a credit report. the best way to get a score and to review your credit is a 3 bureau report which gives you a free score. Bo Majors

item they are trying to collect on is past statue

Quoting realperson@hotmail.com>:

Hello Bo!! I have been looking at your web content for sometime now. My questions is, I have Calvary Collection calling me(I do not answer the phone, caller ID, but they do leave messages, and sending me letters and settlements saying I owe them money. This item they are trying to collect on is past statue and is not even on any of my credit reports anymore. What do I do? Isn't it illegal for them to keep trying to collect. Like I said it is not even on my credit, but I do see them on the under inquiries, I guess they are tracking me???? Any suggestions?? Thank you, RP
---------------------------------
It would be illegal to inquire on you if they do not have your signature. I would venture an educated guess that the calvary account was sold to calvary by some other creditor "for 30 cents on a doolar or some figure" and that creditor is the one that is now gone. I would suppose you will be finding this collection on your credit pretty soon should you continue to not respond. Is it legal? I do not know. All I know is it happens all the time. Search for it on my blog. I bet this very question is in there 10 times. I would pay them if it was my credit entry "regardless" due to honesty. If I owe it, I pay it. But I make sure they do not put it on my credit if I do. If the amount is too much just duck and hope fopr the best. What are the laws? I would call the BBB. Or consult with the FTC. That is all I know.
----------------
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Suze Ormon said that FICO is the only score that matters

Quoting realperson@aol.com:

Hi Bo,
I just found this website this morning, and if I could ask you a quick question. I was listening to Suze Ormon on her show, and she said that FICO is the only score that matters. I went to myfico.com and sure enough they sell her things online. What I'm getting from your info is that they all have a scoring system, and maybe FICO just has a little better marketing. What are your thoughts?
Thank-you,
REAL PERSON
--------------
She was saying "that" in reference to all scores but probably advocating fico because of her affiliation. All scores fico, emperica, beacon are the most important part of your credit not just a what is on your credit report. Many banks look at these scores only. So they are all very important depending on which one a credior uses. We use beacon scores but sometimes send stuff to banks for approval and they use the trans union fico. So it totally depends.

email bo

Lexington law and my score has raised 100 points

Quoting "REAL PERSON" :
Hello Bo, thanks for your advice, since last year I have used Lexington law and my score has raised 100 points. My question concerns 3 late payments I have that I cannot seem to get rid of. They have been disputed a number of times but each time is verified. Is there any way I can convince the companies involved to delete those lates?
Thanks
REAL PERSON
--------------
The only way to convince a creditor who verifys late payments is directly with written proof or a cancelled check. One must show it was the creditors mistake and not yours for being late.

931-454-0660 w

The challenges are clearly errors on the various credit bureaus parts

Quoting REAL PERSON
I have referenced your website and recently noted that the fax numbers you provide for EQUIFAX are the same numbers you provide for EXPERIAN ... can you tell me which fax numbers these are for and do you have fax numbers for the other company?
I have serious discrepancies across my three reports and I can't seem to get anything to work for me so I'd prefer to fax if I can - that allows me another "in" to daily or weekly be in front of someone's face and that might work.
The challenges are clearly errors on the various credit bureaus parts -- and while I've contacted the creditors directly I'm consistently told to contact the credit bureaus to help me resolve these issues.
THANKS FOR ANY GUIDANCE YOU CAN OFFER
Best Regards,
---------------
i will tell you what i tell EVERYONE
use my dispute form and the mail
not faxes

those numbers were given to me by a nice person with credit problems
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small secured credit cards for like $300.00 and $800.0

Quoting REAP PERSON
very interested in helping my credit, if I have charge off's on my credit report can I call the credit card company to try to pay them off , and will they take it off the credit report they are small secured credit cards for like $300.00 and $800.00 thanks for any help you can give me Bo
------------
definitely pay them off and give them EXTRA
ask them to open the accounts as you need good credit and are a good person
buy your gas and pay extra each and every month
after 1-2 years ask them to remove the old data
most credit cards only report the last 2 year's anyway
go get em
------------
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I received a contingent approval on a home loan

I simply want to thank you for sharing your gift of knowledge with those of us who are not as knowledgeable.

I received a contingent approval on a home loan. I hope to close at the end of this month. However, I want my entire credit clean. Your suggestions to others have helped me tremendously.

Thanks so much,
REAL PERSON


I need a loan as soon as possible, but I have bad credit. Where do I go? Best Online credit card offers
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the past three years she has not paid the cond fees woth 10,000 and wrote bads checks to countrywide

Quoting REAL PERSON
Hi, my name is Amelia, i'm 25 and as of yesterday i received the worst news in my life. i have been battleling with my son's grandmother about a town house i took over for her and i didn't know how bad her credit was. come to find out in the past three years she has not paid the cond fees woth 10,000 and wrote bads checks to countrywide mortgage many times and didn't pay them a few months. i have now made the mistake of putting her on the loan because my credit score went from 800 to 595 the owest score. what do you think i still the option to do.
Now if you look at my bills and the four mortagages i had in the past where lived at all and everything was paid off ahead of time or many weeks before theh bills are due. do you think the creditors will take that in consideration?
please help. i have no idea what to do. i still have to get that townhouse out of name even tough her name is also on there.
-----------------------
that is I signed and wish I hadn't let this happen
IT DID
There is not much you can do to change names at this point
sounds to me like i would find a rental
call countrywide and say i default on my part
and get it done now so 7 years will pass sooner
no good answers here

other than.
Don't trust someone else to pay your bills even if you pay them
AND
make sure if you do copies of statements come to your address

showing open even though I had filed bankruptcy on them in 2001

uoting Real Person

will this work if I have items still showing open even though I had filed bankruptcy on them in 2001. not all the items I filed on are showing judged under bankruptcy. please advise thx Real Person
-------------------
They should all show included in Bk and zero balance
use my free dispute form.

One might try to just dispute them as not mine first and hope for the best then

do both the above
-------------
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I had ten-thousand dollars in cash and couldn't get approved for a twenty-thousand dollar loan

I am a twenty-seven year old female with a degree in accounting. I had ten-thousand dollars in cash and couldn't get approved for a twenty-thousand dollar loan. My score was in the 600's then, now my score is a 560 with high revolving debt medical and school loans.There is about fifteen thousand altogether. I have thought about ch. 7. I would rather repair. I have struggled for years to fix it once and for all. What do I need to do first?
Desperate In Ohio
----------------
take the ten grand and pay your debts
open up 3 credit cards and pay on time for 2 years
that will give you 3 rated trade


take the 10 grnad an put it on a 15000 car and that will get you financed
make sure the creditors reports to bureaus
or
dont borrow from them
-----------------
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I am very scared to investigate my credit score

Quoting Real Person
Hi-
Thanks for your great website. Like many people, I am very scared to investigate my credit score. I have no idea what it is. I did have a few unpaid credit card bills that went into chargeoff in the mid 90s, and I have one collection agency snail-mailing me still but I am too scared to open the letter. I recently accepted a job at a major company and was surprised I passed a background check, which included a credit report. This makes me think it might not be too bad. I have convinced myself I am in the toilet credit wise, but lately I have received a flood of offers recently that
reference my great credit. I have had an American Express card since 1990 and I was just solicited to upgrade to a platinum membership with them, so I am not sure what to think. Any advice as to how I can conquer my fear and take the big leap and face my fear of the scary world of credit? Thank you.

PS I stumbled on your website while searching this topic on Yahoo.
Thanks for a great public service.
---------------------
This "scary" issue faces almost everyone I know who has intelligence. I am afraid to look at my bank account most days because my wife and I are such disasters. We cannot manage money worth a dern and overdraft almost monthly although our overdraft protection bails us out most times. But the same issue you are talking about kept me from trying to buy a house in 1994 and you can read my story about what I found out. The truth is your credit is real and you should know what it says. You should know facts about credit. Late payments are not reported as such unless they are 30 days old. Many people think paying 15 days late messes up your credit. NOPE. You mention 1990. Heck that is 15 years old it should be gone by now. Little things like that scare people.
The one true credit god is your friend not your enemy unless you never feed it and talk to it. Check your credit NOW. Get a score. there are 3 bureaus check all 3 right now. No one is going to hurt you. The only problemm you may face is seeing damage you already dread, or finding something incorrect which you CAN FIX. Oh my gosh. Check your credit every year and make it a habit like brushing your teeth. Credit is your friend.
--------------------
Quoting REAL PERSON
Bo-
With your kind words, I just mustered up the courage to check my credit score. I haven't finished going through your website, but I checked through Transunion and I scored a 685.
In your estimate, is this a good score?
You have done me-and others-such a service. I thank you from the bottom of my heart. Also-in your opinion-I have a school loan of about 8K that I could pay outright. Would you suggest that to increase my score? And if I did that, what kind of points would I gain?
Thank you again!
--------------------
685 is SWEEEET brother
and the loan could help you 10-20 points if your balance is 8 and your total high credit is less than 10 meaning any account you drop to less than 80% against high credit will help your score.
685.....whew that's high cotton. It is very hard to get higher than 740 which is super premium gold
Don't you feel good now that credit is your friend
-------------------
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this mysterious creditor is nameless. I have no way to contact them

Quoting REAL PERSON

Good Morning,
I recently decided to use my car as collateral for a consolidation loan. I thought my credit score wasl around 640, when I heard 605 I was shocked. The bank manager let me know it appeared to be from a medical bill last fall. I have insurance. I have no idea where it came from or why. The main problem is this mysterious creditor is nameless, therefore I have no way to contact them or give them my insurance information. The only thing available is three numbers and a bunch of stars. 491***, its only listed for 1 month then nothing. Does that mean, (seems obvious the more I talk about it), that my credit suffers because they either payed the bill late or were never notified of one? Thats not right.

Next I would like to know how negative the effect may be on my credit if I do receive a consolidation loan with the title of my car? Its still worth $12,000, has 50,000 miles of high quality warranty remaining, looks and runs great and is fun to drive. Plus it is payed for and its mine. I really don't want to sell it if I don't have too.
I always figure theres a brighter day somewhere in the future.
Thanks,
----------------
dispute the record with my free dispute form.
if you do not know which bureau has the record dispute at all 3
you will be contacted withing 40 days with info about the negative credit error.

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Collection under a different account & five year newer date

Dear Bo,
You have an awesome site!

What if I have a collection account that has been paid, and has been updated as such on my report, but a credit card company has bought the original account (before it was paid), and reopened it under a different account and five year newer date.
Thanks
-------------------------
very common
super common
extremely common

what are our rights? I gues is the question.
Consumers would argue inherent flaws cheating
Creditors would arugue needed relif from deadbeat consumers.

Whos is right
how do we find out
and if the later how can consumers change it
if the former what legal grounds stand behind consmers change it

if the later how can creditors ever make a business model work
if the later quite the same as the former.

Ask the BBB, The FTC, and Bo is guess. Bo cannot give you a perfect answer to this common question and reporting technique.

My personal opinion is the 7 year rule should stand under all conditions other than a consumer who makes payments or something which could be contrued 2 ways. date of last activity "last payments" being the start date for 7. OR being able to get the mark removed if you pay as agreed on collections or any account.
Bo's work # 31-454-0660
-----------------------
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Frustrating work to contact credit bureaus

Bo,
Thanks they really make fixing your credit or finding out what is gogin on a pain in the ... thanx for making the site and putting the numbers up it saves waiting for a reply back from georgia lol later
Jim

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I paid ANOTHER company and they did NOTHING can a bankruptcy be removed?

I have read your website but Im still so confused!!!! How do I get things off my credit report? I have already paid $$$$$$$$$$ I KNOW I KNOW STUPID
HELP
--------------
Bobo Majors 10/17/05 03:39PM >>>
paid does mean removal
it means paid
removal means mistakes or 7 to 10 years old
--------------
I mean I paid ANOTHER company and they did NOTHING...can a bankruptcy be removed?
--------------
Bobo Majors 10/18/05 10:50AM >>>
no a bk can not be removed and it will stay on record for 10 years
and all the items included will remain for 7 years
unless you are lucky
-----------------------
Quoting REAL PERSON
Well thats answers that because IM NOT LUCKY LOL I talked to a company and they said they can remove it?
--------------------
Bobo Majors 10/18/05 11:38AM
you might try to dispute all the bad records as they get older
2-5 years and some companies go out of business
some purge old records
some just move and can not be contacted
keep trying on the dispute end over time
you are not your credit or bank account
you are a living creature and have value
do not get too depressed over money
-------------------
Quoting REAL PERSON

Well its just so hard to get a new car, refine a house or get ANY credit because of it!
------------------
money now has become your credit
you are like me i suppose
and money is not just lying around

but you can get a 3-5 thousand dollar car with 1500 down for sure
refinancing a house can be done
but it won't generate the esults you are looking for it sounds like to me

931-454-0660 w

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I corrected mistakes but my credit score remained the same

Quoting REAL PERSON
I recently (3 months ago) got a mortgage. My score was about 620 at the time & I had 2 incorrect issues on my credit report. I have since taken care of both (charge off/tax lien). I went to get my free report today from annualcreditreport.com, and while the information was now correct, my credit score remained the same. Any suggestions?

Reduce balances to below 80% of high credit
Make timely payments for 2 solid years

931-454-0660 w
www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
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I contacted an attorney to solve credit errors

Quoting REAL PERSON
I've been reading your inquiries and I need your help. Here I have contacted an attorney to solve my issues when all I really needed was your e-mail.
I have three creditors. IC Systems who I paid off in 10/2002 although I paid them off in 10/2002 the company never showed up on my credit report until 3/2003 and 6/2005. When I disputed the account on Equifax they removed it stating they had the wrong
social security number, which was a lie. I've been going back and forth with them to update the dates on my credit report, they refuse and my lawyer (lack thereof) has said it's pointless to dispute it through him all I asked him to do was prepare a letter. How can I ensure that they update the dates on my credit report to reflect accurate reporting?
First Premier Bank, I settled for a lesser amount and yet they won't update the current status to just Settled Account and leave the other junk off, is there a way I can get them to do this, again my lawyer refused.
I read on the internet how lawyers can settle accounts for their removal, is this possible, have you heard about this and is there literature on things like this happening?
REAL PERSON
-------------------------
there are tons and tons of
creditors
consumers
credit issues
reporting issues
put these together and what we have a lottery.
anything might work at any time with any creditor about any issue
i would say the lawyer handles only law issues no credit issues
in fact a consumer is the only rightful disputer
all things must go through a REAL PERSON
use my dispute form
if you feel the shaft is on you
try lexington law
it couldn't hurt.

i will say that just becuase one files bankruptcy
settles and account
pays off a collection
does not mean they are entitled to have all the other real life credit problems taken off. If you did;nt pay a credit card. they charged you to collection and then you settled. It does not mean the bill did not get late or that it was not sent to collections. I think many people believe once they pay that all past negatives go away. It's kind of like the thing I here every day. I have great credit. Sure you paid them off but look how many times you were late. There is way more than just paying someone off to good credit.

I not saying any of this applys to you. These are only things I see day in and day out.

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Phone and Fax Number Numbers for Experian Trans Union Equifax

Phone and Fax Number Numbers for Experian Trans Union Equifax
Phone and Fax Number Numbers for Experian Trans Union Equifax

EQUIFAX
FAX NUMBERS
281-878-1974
678-795-7798
888-729-0083
866-233-3777
800-395-6440 CHECK ON STATUS OF INVESTIGATION
866-838-1016 ATTN: FAX TEAM
866-838-1017

-----------------
EXPERIAN NUMBERS
888-397-3742
888-972-5722

VOICE MAIL
972-390-3814

SUPERVISORS
972-390-4000
972-390-4001
972-390-4002
972-390-4003
972-390-4004
972-390-4005
972-390-4006
972-390-4007
972-390-4008
972-390-4009
972-390-4100
972-390-4101
972-390-4102
972-390-4103
972-390-4104
972-390-4105
972-390-4106
972-390-4107
972-390-4108
972-390-4109
972-390-3046 JOHN RORGE
972-390-3816 ANDREA GREEN
972-390-4068 TOTAL RECALL
972-390-4087 BETHANY ISEMAN SUPERVISOR OF CUSTOMER RELATIONS
972-390-4088 KEN
972-390-4121 ANNETTA WALKER
972-390-4122 LEAD VIP TEAM
972-390-4123 ELIZABETH
972-390-4124 LISA WALLACE
972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM
972-390-4127 GREG MCGOWAN
972-390-4128 CHE
972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES
972-390-4131 KERRI IDEE SUPERVISOR
972-390-3000
972-390-3569
972-390-3809
972-390-3811
972-390-3942
972-699-6046
972-699-6081

FAX NUMBERS
407-551-1955 FLORIDA
714-385-7349
714-830-2449
800-301-7196
877-454-1010
972-390-1680
972-390-3809
972-390-3838
972-390-3850
972-390-3974

----------------------
TRANSUNION
610-546-4600
610-546-4601 THRU 4699
610-546-4612, 4618 CONSUMER WINDOW
610-546-4613 HUMAN RESOURCES
610-546-4614 LORI TAMARABUS HR
610-546-4617 BONNIE SAUNDERS HR

TU FAX Numbers
610-546-4601
610-546-4602
610-546-4603
610-546-4605
714-447-6032 ATTENTION: CONSUMER RELATIONS
714-830-2449
716-626-1795
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the payment was there on time and it didnt get posted

Quoting REAL PERSON
I wanted to see if you can help me. One of my junior loans posted a 30 day late and brought my score down. i'm now in the lows 600's however, the payment was there on time and it didnt get posted because the last two digits of the account numbers were wrong. what should i do? i contact washington mutual in which i have my loan from and they don't want to take it off my credit report. they show the payment was there on time, but didnt post because of the account number.
REAL PERSON
---------------
that is thier mistake if you can show it cleared your bank on time
they should remove it due to thier error
evidently they must think it is not
30 days is thew cutoff and that IS a long way from on time
but the letter of the law says they cannot report you late until 30 days.

Collections and 2 charge offs. My score has been around 540 to 560

Quoting REAL PERSON
Hi Bob,
I first wanted to say I appreciate the work you have done with you site. Question my score has been around 540 to 560 for the past 8 months. I have collections and 2 charge offs. 8 months ago I decided to get my credit and life under control. I started paying off the collection. All of the collection company refused to remove
the collection notice when asked. I tried to enroll them with kindness and hoping they would be understanding that we had problem that was out of our control. Did make any difference. I have all of the collection paid off except one. From what I have read it looks like my score will not improved until the collection notice expire even though they state paid on collection zero balance. It seem I have went about it all wrong. I am very discouraged.
By the way, we have not been late on anything for 2 years. I have only 2 trade line open. Car, and house payment. I don't know if student loan qualifies. Any advise?
-----------------------------
To be more complete I would have to adivise people with collections to do more than make payments on collections and THEN ask for removal. Catch collections fast and pay them in one lump sum with penalties and ask for total removal if you complete the payment with a letter you can use to dispute the collection. Most collections only show up after repeated contacts. So when collection hit everyone knows this has been a total lack of payment after prolonged attempts to contact. Add that on top of making payments rather than lump sum. What really looks bad collection is Utilities (phone, eclectric, gas, water, rent) and previous creditors turned over to colections. Hospital stuff usually doesn't hurt as bad other than all people now that hospitals try to set up payments before they send items to colection.

But alas there is a rainbow. You have paid them off. You are making new strides with 2 open trade lines. Your score will follow positive feedback over time.
Hope the collection companies go out of buisiness later and you can dispute them. Always dispute unfamiliar accounts older than 4-5 years in hopes for removal. I assume your collections are not duplicates of another account reporting creditor who could not collect from you. If this is the case I would dispute on
the basis of duplicate accounts.

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My Problem- This is a example of one of the cards.

Quoting
Hi Bo, I love your website. I have a question or a problem and I hoping you have an answer. My credit report is a mess and I have read all most everything on your site and I have been working on my credit report. I have sent out 20 letters and I'm not getting any thing fixed. The Problems is: I had 4 credit card and lost my job and fell behind on them. Before I could get back on my feet the credit card companies: wrote them off, and then sold them to someone else. I tried to settle them but I didn't have enough money, so each company again wrote them off and each company sold them to someone else. This happen at least 6 times for each card. In the end, the cards each got sold and some of the companies didn't even notify me. The total amount of the cards was about $1500. At the end I settle with all 4 cards for over $5000.00.
My Problem- This is a example of one of the cards.
Get Smart Credit Card for $1000
Providian Wrote off and Sold To- Emerge
Wrote off and Sold to-Plaza Associates Improve
Wrote off and Sold to-J.A. Cambece Law Office, P.C.
Wrote off and Sold to-Pinnacle Financial
Wrote off and Sold to-Law Offices of Mitchell N. Kay P.C. Wrote off and Sold to-Collins Finance
Wrote off and Sold to-Jefferson Capital System
Wrote off and Sold to-Erin Cap Management-NY
Wrote off and Sold to-Blatt,Hasenmiller,Laibsker and Moore LLC
A friend gave me a loan so I could fixes these mess. I settled
with Blatt,Hasenmiller,Laibsker and Moore, LLC on 5-26-05 for $1300.00 I got a credit report and Emerge and Jefferson Capital System were on it. I sent a dispute form on them asking them to charge it from wrote off to Payment after charge off-Settled less than full balance. And they will not do it.I sent every piece of paper I could to help them understand but they still will not fix it. My question is ? How can a company write a debt off, take credit on they income taxes for the write off and turn around an sell it to another company that does the same thing all over again?
Any help you can give me, I would be very thankful for.

Thank You very much.

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If I dispute myself it will work. I have some paid items that has been late but still on my credit report.

RP
Hey is this credit thing really true. If I dispute myself it will work. I have some paid items that has been late but still on my credit report. How do I handle this?

Bo
yes it will work update or correct errors with the free dispute form

RP
WHAT ABOUT OLD PAY OFF THAT WAS ONCE LATE SINCE 1996 BUT PAID

Bo
that is 9 years ago
the account should be off if you paid it of before 98
7 years unless it is a law deal

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an account was settled-is that a bad mark that will lower your credit score

Quoting Real Person>:
If you have on your credit report that an account was settled-is that a bad mark that will lower your credit score? Also the information I read on your site was very helpful.
Thanks,
NJ
---------------
Yes it usually is. It says beside how they rank your activity r or i 1-9 9 being bad and 1 being good. r = revovling credit like credit cards. I = installment loans like cars and houses.
settlements mean your account was not paid in full as agreed but usually do change your outstanding balance to 0. For the most part i think and no one knows for sure that a settelment out weighs a 0 balance thus maiking your score lower. how much? I would venture only a guess of up to 40 points on a perfect credit report and as low as 10 on a really bad report.
All guesses.
931-455-0660 w
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How are you..... I'm trying to prepare to buy a home ,but my credit score I'm thinking is to low ......its 633 Equifax, 642 Trans union and 661 Experian I got these from a credit report Bank of America did for me from a company called PrivacySource.This repot also shows credit report keys, credit report details,and credit report disputes so pretty extensive as you can see.I have a bankruptcy that I'm hoping will automatically fall off my credit in Oct. 05 it will have been 10 years by than.Will it drop off automatically? IS THE DISHCARGE DATE 10 YEARS AGO? yES NOT 10 YEARS FROM DISHCARGE NO I also have a couple of Medical delinquency that I'm trying to figure out how to handle.I'm not even sure I owe this money.If I do does these types of delinquencies lower my Score? Should I try and contact them to make a arrangement to pay them ABOLUTLEY.....should I ask them to please consider to dismiss the charges? I truly can not afford to pay them if they are mine. Every dollar I'm making is going towards trying to prepare to buy a home meaning the down payment and things like that. I really need some guidance I'm a 43 year old single guy living in my Fathers basement I lost my mother a few years ago to lung cancer and its just time to make a move. The bankruptcy was a major Mistake its been so crippling , but its been ten years now and I'm pretty sure I make enough money to invest in a home (48,000 a year). I've paid down my credit cards I had 4 a year ago and now I only have two with a balance of like 1,000 between the two. MUST HAVE OPEN CREDIT AT ALL TIMES TO HAVE A SCORE. NO OPEN CREDIT IN THE LAST 2 YEARS? NO SCORE. I realized I made a error by closing all 4 of them last year after doing some research this is why I really need help I just don't know what I'm doing.I don't have that much debt really just things like a car payment which is in my dads name ( cosigner) I did it that way to get a better interest rate the payment is $450 a month.I'm hopping to find another car that cost less to cut that payment in half after the bankruptcy falls off my credit report this Oct. I figure I could than go car shopping for a cost of about 10,000 for the car so my payment would only be $225-> $250 a month. Does that sound like the right game plan there? so I can free up more monthly income for my mortgage payment.The other debt is cable bill, cell phone, car Insurance. Things like that. Thank you so much for taking the time to read this and any suggestions you could offer me or direction or any advice I would greatly appreciate. THOSE SOUND LIKE UTILITIES THAT VERY RARELY WORK WITH YOU. PAY THINGS OFF. ASK FOR HELP AND BEG.
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If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.

You hit it pretty much on the spot.
Please line up disgruntled taxpayers for a class action lawsuit.

If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.
Took 5 years to beat Fleet thru Midland Credit Management in Palm Beach County and get attorney fees-can check it on line.
Bankruptcy reported by Citi was wrong, and they do not respond to 5 letters and reported to CRAs.
Cannot get any response from CRAs and they are all different on reports.
Need to get rid of FTC-bunch of lazy ass-holes-waiting to retire on my labor.
You are aggressive and need to review these cases-money is there.
Have a lawyer here and would like to discuss with you.
Thanks,
Real Person
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What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible!

Quoting sandra REAL PERSON>:
Hi Bo,
I just happened to find your site from Google and I would like to say it's really imformative! Recently, I have been trying to refinance my home and get what they call a 'cash-out' and I applied through the company that holds my mortgage. They turned me down due to too many 'hits' on my credit history. I don't understand why this is such a detriment on a person's credit and I know there is no way to change the rule or law but it really makes me upset. In fact, it's so bad that those 'hits' remain for 12 months or more.
What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible! I was able to contact Experian by telephone after sitting on the phone for about an hour, being re-routed numerous times and after calling about three or four different numbers. I was able to dispute many errors I found on my credit report that I had no idea was there. In my personal information section, they had about ten
different names for me, all of them incorrect, my birthdate was wrong, there were several addresses that were incorrect and even my drivers license number was wrong.
Contacting Equifax is a completely different story. I stupidly signed up for their $9.95 a month credit report but had intentions of terminating it before the thirty day offer was up. Well, here is the problem....
It's really easy to sign up and REAL easy to enter your credit card
information so they can take your money but it's impossible to terminate your transaction! I searched and searched the site for the link to terminate my transaction, I'm STILL searching, I am searching for a way to contact Equifax and unless I am going blind, I cannot find the feature to end my membership. By the time I
send a letter by snail mail, Equifax will have sucked another nine dollars from my account.
If you know of any way for me to terminate my subscription with Equifax,
PLEASE let me know!!!

Thank you and I will add your site to my favorites.
-----------------------

if i dont use credit cards...but they have no balance remaining, is it better to leave them open

Quoting real Person>:
I was on your website trying to find tips...i was wondering.. if i dont use credit cards...but they have no balance remaining, is it better to leave them open, and just not use them..or the close them?
Thanks
Real Person

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Settlements with creditors. Will these help my credit score

Quoting Real Person>:

My credit report says that I am about $1,300.00 in debt. I want to settle with the people that I owe, but with all the other bills I have it's kinda hard paying the full amount. My question is, do you think that the creditors will accept a reasonable settlement because I'm unable to pay the full amount? For instance, 1 company I owe $140.00, do you think they will accept $100.00 as payment in full? If so, is there a form letter for something like this. Please
give me any help that you can. I want to buy a house and my credit score is 600.
Thanks.


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The convoluted web of making contact has made it an impossible task for me to find fax numbers

Hello Bo, I am RP, I live in DC and I am an engineer, going about to get some information cleaned from my report - that I never knew existed. I found it admirable that you took the step to list and help with this information. Your website was also very very informative. I am writing to ask if you could provide me with some additional information. The convoluted web of making contact has made it an impossible task for me to find fax numbers and such. I have papers with proof, letters of apology/recalls etc from the company in some cases the company reporting cant even find reference to their record.
Could you send me information on their fax numbers and contact emails, where they can't ignore my documents, and whom would I contact, hoping this will cut my time in following the trail. Also in your opinion what was the fastest and most effective way to get the items resolved. Also any suggestions on what to do to keep them/organization from doing the same stuff ever again.
--------------
use certified mail
sent it 3 day if your in a hurry
forget the fax
it is not worth the trouble and mail is more secure
---------------
RP
Will give that a shot. Thanks again Bo.
When I got my report I had 6 rated at R and U9, needless to say I was shocked, and moved very quickly. I got 4 of them resolved; the Companies have all sent me either apology letters or correcting the error and sending me a report to that effect. However, I am facing a problem with ATT cable and ATT wireless; both are now owned by other companies like Comcast cable and Cingular Wireless. I have paperwork, for the both of them, but it has been impossible to get any form of resolution because I get shuffled back and forth between the credit agency and the companies. Any clues on that. I wrote them numerous emails, called them so many times, the facts
in their system even reflect my statement, but they simply refuse to
issue me a letter or a point of contact to deal with.
What can I do in this situation?

----------
when a company is "bought out", so are the debts and assets.
your debt or assest or mistake was passed along then put into like a
mass grave site. Many of these items will come right off with a dispute form.
I'd try the dispute form then see what happens.
-----------
When you say a dispute form I am assuming the PDF/word document you put together on your website.
Also I looked into the 3 in 1 credit service at credit.com you listed, does interacting with them and furnishing paperwork to them, mean they can fix this directly as in they have direct access to the database and such. At some point, if your website allows for it, I would also like to contribute to your website anonymously, but have nowhere the same depth as you do. Also did the credit bureaus try to get you to take any off the stuff down... it was so hard trying to find information on the stuff.
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What if i have no credit score.

Bo,
What if your Beacon Score is zero? What can you do to have that changed?
REAL PERSON

get a cosignor
pay a lot of money down
start new credit with my free lettter..send money with app
get 3 open items that have been open for 12 +
get someone to show you've paid off something or paid well on something other
than utilities and pay to have them included.
under 18? Forget it or string co signor and know the bank
something has to be open within the last 2 years
have'nt used credit in 2 years? You are now a 0.
So why would a reasonable person not have a beacon score
i can find none other than youth.

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this company bought a debt that was already charged off by another company

I have an item on my credit report from Asset Acceptance which claims to be a collection account. However, this company bought a debt that was already charged off by another company. Now this company claims that I owe them (not the company I actually owed that already charged this item off). When I called them, they admitted on the phone to me that they BOUGHT this debt from another company and that they're not making a collection specifically for the company they bought it from since it was charged off.
Do they have the right to report this on my credit being that I do not physically owe them a cent? They're a business that bought a debt in hopes to get money out of me... I can't see this being legal. I disputed this item on my credit but it came back as OK because it claims on my credit that they're are a collection for the previous company Bank One) and they aren't! Bank One already charged this item off years ago and then sold it to Asset Acceptance! Is there anything I can do? I can't find a phone number to be able to talk to an actual live person at Experian or Equifax. I keep getting automated systems!

On 8/2/2005, "Bobo Majors" wrote:
All I can say is to call or contact the FTC and Better Bussiness Bureau for complete answers to this common credit delima. One charges off, another trys to collect and both report negative thus creating a double jeopardy of sorts.
I would hope one could only be reported by law but cannot give any legal advice on this matter. I'm just a guy who had bad credit and told my story and will tell yours also. I will say this is the most common credit question for credit help I hear day in and day out. Can they do that? They definately did and we should all pay our bills if they are ours under reasonable man circumstances.

Ok, I appreciate your help. First I'm going to try and contact these people again and try to come to an agreement with them on a settlement price and upon payment of that ask them to physically delete these items off of my credit (the 2 they reported to). If they refuse, I'm just not going to pay immediately and seek further assistance somehow... It just doesn't seem like this can be legal.
lex law might help but they cost 79 to sign and 39 a month thats not much if they can remedy these kinds of afflictions remember to keep copies if they do delete so that no following actions can be
reported o your credit score.

lex law might help but they cost
79 to sign and 39 a month
thats not much if they can remedy these kinds of afflictions
remember to keep copies if they do delete so that no following actions can be reported on your credit score.


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How long can a company use my credit app for inquiries

Quoting Real Person>:
Hi,
I found your email address on your website and had some questions I needed answers for. Thanks in advance...Peace...
First:
I recently pulled my credit reports and noticed that a company Whom I had a car loan with, which was then paid off in a transfer to another company, and the car loan has been paid off since 1994, inquired into my credit file in January 2005. Is this legal given that I have a Opt-out agreement in effect and I have sent letters to the direct marketing association as well. Do they have the right to inquire into my report and cause my score to lowered without my permission on a closed paid as agreed account? If not how can a handle this a) stop them and any other old close dout creditor from requesting my report or block the credit agencies from giving it out without my approval and gain back the point I have lost on my score because of it.

Secondly:
Another company that is a closed acocunt paid in full and in good standing, and was paid off in 2003 is still updating the last date of activity for that
account so it seems like the account is open when it is not. It shows a last activity date of 2005 and if was closed in April of 2003. Is this illegal and if so, how can I get the companies and credit agencies to acknowledge the true last dates of activities for this and any other account.
Third:
One agency shows an account in good standing paid in full with a balance of zero; however, it does not appear on my other files. Show I add this to the other two files and if so what is the process for taking care of this.
Fourth:
How can I write a letter to a credit that informs them to take a specific action-i.e. stop inquiring about my credit report after my acocunt has been paid in full and closed by me, etc. without them changing the last date of activity...

Thanks... RP

www.oskie.com/equifaxtransunionexperiancredit.htm Credit help

Thats a mouthful and very difficult to answer.
1. No they should not be able to pull your credit back up over and over if you
paid them well. If you have skipped town sometimes creditors can legally use your consent to look and see if you have new entries that mat make it easier to find a skipped town and owes me money person.
2. Long standing issue I have answered a hundred times on my blog and by email. There is not much you can do other than close the account by paying if you owe and ask the item be shown paid in full on such and such date.
3. I do not think bureau will add these items unless you pay and I have never done what you are saying but I know the FTC says we can update and add for a fee. Read FTC laws page on my credit web.
4. Fraud alert. Get my free form on my webpage

Should I pay a settlement collection that is not reported on my credit report

Quoting "REAL PERSON"

You have a great website with great information regarding credit reports.

My question to you is: I have a repo that is reflected on my 3 credit reports. I have contacted the collection agency who is handling the account and have gotten a settlement amount in which I intend to pay. I first tried to contact the original creditor itself, as you suggest on your website, but they have advised me that they cannot handle the account due to a contract with the collection agency. My credit reports show that I owe GEAuto, the originating creditor, and not the collection company. How will this change my credit score when I do pay the amount off since it is not showing as a collection but it does show as a "Voluntarily surrendered/Never Late/Past Due 855?" Is it even worth paying the settlement amount to the collection agency or should I just wait the 2 more years for it to come off my reports which will be the 7 year timeline? My fiance and I are trying to obtain a construction loan to start building a house so that is why I need my score to go up.

Thanks
REAL PERSON
Subject: Re: CREDIT REPORT, NEED HELP
If we do not pay the collection company they will put it on your account in addition to the other charge off or whatever. So I would say pay them fast and ask that they not report it at all if you pay them. they should do that.

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Father Son Merged credit report and sons bad credit.

Quoting R Person
Hi Bo,
At the current time, I am not concerned with my own credit or score. It's got to be excellent because I average 3-4 pre-approved credit card offers a week. I have ordered a free copy of both mine & husband's reports just recently, but not the fico scores.

The concern is my husband's account. My husband has never been late on any bill or credit card, ever. The problem is our 36 year old son has the same name and has terrible credit, and it keeps getting reported on my husband's account. Three times over the past 15 years, we have disputed all the incorrect items on his account, gotten it cleared up, and the credit card offers started coming in again (by the way-those are shredded, not applied for). Within 6 months to a year, it's back to the same way it was before. We have finally given up for the past 5-7 years since it seemed that no matter what we did, they would continue to get my son's reports back on my husband's credit.

We can't afford to order his credit report 3 or 4 times a year to keep track
of this, and actually, it gets rather tiring since it takes a minimum of 2 months with back and forth disputing to get something done properly. Is there anything that can be done to make them realize that the birthday/age/social security numbers are not the same and to stop putting reports on the wrong account?

Thanks.
R PERSON

Date: Tue, 2 Aug 2005 08:40:42 -0700
From: Bobo Majors
To: Real Person
Subject: Re: Credit Report Problem
Put a fraud alert on his account with contact info before and other credit is extended. These alerts usually only last about 1 year so you will more than likey have to do it each year. After a few years someone usually gets the point.
Get Free Report + Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
">Credit Help Books

Errors on my credit report. Click here for my report.

Quoting Real Person.com>:
Hello Bo, I am vijay, I live in DC and I am an engineer, going about to get some information cleaned from my report - that I never knew existed. I found it admirable that you took the step to list and help with this information. Your website was also very very informative. I am writing to ask if you could provide me with some additional information. The convoluted web of making contact has made it an impossible task for me to find fax numbers and such. I have papers with proof, letters of apology/recalls etc from the company in some cases the company reporting cant even find reference to their record. Could you send me information on their fax numbers and contact emails, where they can't ignore my documents, and whom would I contact, hoping this will cut my time in following the trail. Also in your opinion what was the fastest and most effective way to get the items resolved.
Also any suggestions on what to do to keep them / organization from doing the same stuff ever again.
Sincerely
REAL PERSON with their phone number and everything.
------------------------------
-----Original Message-----
From: Bobo Majors [mailto:Bobo@oskie.com]
Sent: Wednesday, July 27, 2005 11:05 PM
To: REAL PERSON
Subject: Spam:Re: hi - your credit website

use certified mail
sent it 3 day if your in a hurry
forget the fax
it is not worth the trouble and mail is more secure
--------------------------------------------------
Quoting realperson.com>:

Will give that a shot.
Thanks again Bo.

When I got my report I had 6 rated at - R and U9, needless to say I was
shocked, and moved very quickly.

I got 4 of them resolved; the Companies have all sent me either apology
letters or correcting the error and sending me a report to that effect.
However, I am facing a problem with ATT cable and ATT wireless; both are
now owned by other companies like Comcast cable and Cingular Wireless. I
have paperwork, for the both of them, but it has been impossible to get
any form of resolution because I get shuffled back and forth between the
credit agency and the companies. Any clues on that.
- I wrote them numerous emails, called them so many times, the facts in
their system even reflect my statement, but they simply refuse to issue
me a letter or a point of contact to deal with.
What can I do in this situation?

Date: Thu, 28 Jul 2005 09:47:11 -0700
From: Bobo Majors
To: REAL PERSON
Subject: RE: Spam:Re: hi - your credit website

when a company is bought out so are the debts and assets.
your debt or assest or mistake was passed along then put into like a mass
grave site. Many of these items will come right off with a dispute form.
I'd try dispute form then see what happens.
------------------------------------------------
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check my credit with out my permission

Quoting realperson.com>:

If I have an account that is already in collection/default, can that company check my credit with out my permission? They have checked my credit several times in one years!
thanks for all the great advice on your site.
REAL PERSON

Im not sure about the law
I do know people do that sometimes to track people down

Bo thanks for all the free credit help information. I raised my credit score 100 points

Bo,

Thanks for the great information on your web site. Once I read thought your site I began working on my credit reports, with the help of Lexington law from your link. Short story, in four months I have raised my credit score from 515 to 615. Thanks again for the great info .

Brad

I am marked as dead on credit bureaus dat banks. What do I do?

Quoting real person@sbc.net>:
I have read a lot of your material and found it useful. I am dead according to some obscure entry somewhere! I had a motivated lady from a mortgage company assisting me and we traced it to JC Penney. We finally contacted JC Penney and had them send a letter to the "Big 3" (credit reporting agencies). I still have some agency reporting me as deceased, and therefore can't get a Beacon Score and am unsure what to do now. Any ideas?
real person.

from bo majors
go to the social secutrity office and get a card
get a drivers license
get a phone bill
and insurance card
and mail them to all three agencies

then I get some credit somewhere that reports to bureaus or I don;t get the loan from them. Period

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New good credit letter for free

Quoting realperson@aol.com:

To whom it may concern,
hello, my name is darryl jones. i've looked at your site for a coulpe of days. I'm trying to download this link off webpage. I need this page to start some good credit. Thanks for the valuable information you are giving people. other people charge for the information that you give.
thanks,

real person

Click here for the I want to open new good credit.

Thanks I'll get that one fixed today

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www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
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Free Credit Reports, Free Credit Scores, New FTC law

Everyone in the USA is entitled to one free credit report per year from all the consumer reporting agencies. If I desire more or want it fast I can get a report in a bunch of ways.
1 I can mail this letter to the bureaus and get one by mail in about 14 - 30 days. The FTC advocates mail as mail is more secure.
2 Free credit report usually means I buy a credit moitoring service for about 80.00 dollars and get a free report and some live help to questions. If I cancel this service before 30 days I get to keep the report free. So buy monitoring and get a 1 bureau report free.
3 Buy a one bureau report straight out for about 9.50 and add another 5 to upgrade and get a score.
4 Free credit score when I buy the comprehensive 3 bureau report I get a free credit score to go with it. About 35.00

So I can snail mail once per year for Free. 14 - 30 DAYS
I can buy monitoring cancel within 30 days and keep a free credit report. NOW
I can buy one report and upgrade to a score for about 15.00 NOW
I can buy a comprehensive 3 bureau report and get a free credit score. NOW