Unrated accounts on credit reports

----- Original Message -----
From: REAL PERSON
To: majors@oskie.com
Sent: Friday, April 29, 2005 6:27 PM
Subject: Question
Bo,
Thanks for your info. Your home page is very useful. 4 months ago I filed BK-7. Last month I received my credit report and many of the accounts have not been updated and the ones that were updated have a pay status of "Unrated". I can't find a definition for "Unrated" and how does that affect my score. I'm not looking for a 720 score, but I would like to see some improvement.
Thanks,
REAL PERSON
Unrated means it is not an account established at least 12 months ago. So the account is less than 12 months old.......or some times they go unrated when they are older than 2 years from date of last activity.

Bobo Majors
931-455-6066
Get your free report NOW Clean your report here

Credit Fraud by e-mail .. get credit monitoring

Quoting Real :

Bo,
Since I am not as experienced as I should be,I did a bad thing by responding to a scheme to get personal information. I have a perfect rating score with Equifax. (820) I know that these scum balls will try to do damage to my credit, along with the other that fail for this scheme. Since you seem to have great knowledge, please advise what I should do. I have obtained my credit report and changed all my passwords,but that may not be enough, I am including the e-mailheader that I received. This scary, please help me to understand the dange that I am in.
Thank you very much
Edgar Bryant

You need to send my credit fraud letter in to each bureau,
AND sign up for credit monitoring for one year.
Its a 79.00 investment which cannot be too much considering your spot.
Do you have any idea how good a score that is. Jees. Yo have to spend the time and money to protect your standing.
letter Credit Monitoring
One of the biggest scams today is, update your pay pal or bank account Like Regions. I get these in piles every day. They ask for update to secure your account before it gets closed or something to scare the wits out of you. It works. They scare me each time. Never do this when promted by e-mail. Log into these accounts as you normally would and deal with it there. There never is any REAL PROBLEM IVE FOUND.
bo majors 931-455-6066

Catch on FREE CREDIT REPORTS

From: "INFO" REAL PERSON......
To:
Sent: Friday, April 22, 2005 3:57 PM
Subject: free credit report

Whats the catch with the "free credit report" with credit.com? Do you actually get all three bureau reports free or just one and buy the other two? Do they include FICA SCORES?
all best....B

All free credit reports are a result of the customer buying something. In almost all cases, it is credit monitoring for 79 range. The trick is to cancel before 30 days elapse and wala, free report and score.
Most instances it is only one report from one bureau
But you do get a score and most scores and credit are close at all three. If you cancel in less than 30days it is totally free. FREE
People west of the Missippi can get one in about 30 days free with no score if they write the bureaus by hand and snail mail it to them. Or on wlefare loooking for a job and all thats on my website.
I like to just pay the 34.95 and get all three bureaus and a score and be done. NOW!!!!! HERE!!!!! LETS GET ER DONE!!!!!
Thats the honest to god catch.
Im a truth sayer totally

Bo Majors
931-455-6066 Work Russell Barnett KIA