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.
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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.
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