email me the fax numbers to all 3 bureaus

I am desperate. Can you please email me the fax numbers to all 3
bureaus to REALPERSON@aol.com? Please Please Please.

Thank you so much for your help
------
faxes are totally unreliable in all facets
each time i update them they change them
then you never know if they got it or can read it
send your dispute in by certified 2-3 day mail. about 3 dollars a piece
keep copies and it will happen just as fast
promise.
---------------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

credit bureaus, the creditors, put items on my report that belonged to my dad

I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them, but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
---------
I would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute. I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes. In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC
1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
----------
I am someone of limited financial means at present, do you know of any ways to get a copy of my reports that is truly free? I have no credit cards so I can't even sign up for the supposedly "free" deals I have found on the net.
------
Use my free letter
They do not come with score
They do not come with helpful adice and 800 numbers like most free credit reports come with. You get all kinds of free stuff that really helps and you can cancel before 30 days and keep the free reports and scores. Or keep the monitoring and get cool stuff that really helps. Did you know everyone needs a credit card to keep the credit score alive.
See I am a nice real live person who really helps
---------
Unfortunately due to my credit report no one will issue me a credit card, I have tried many places that I have seen online, and the only ones that I could a card issued from required a "deposit" or secured acccount and the cards that they claim are 7500.00 in unsecured credit and are really some catalog company scam to get you to buy from them. I would be open to applying if you know of any that are truly designed for something like credit rebuilding or for people with damaged credit as a starting point. I really appreciate all your help, my wife and I had a little girl eight months ago and we are really trying to get our credit repaired so we can get a home loan and buy a home.
-----------
Get a BP Oil or some gas card at the gas station you use.
Mail in 200 or 300 dollars and ask to open an account with them as you need credit to buy a home. They did it for me and will do it for you too. Explain your credit is awful but you will pay good, on time, and more than you charge on gas each month. MY BET. They do it. Don't dig a whole. Pay an extra 20.00 per month and after 12 months you will have a 4-500 high credit and a recent credit history.
check out this page

I did it with bp oil in 1992 anf was charged off by BP for 3-400 bucks forgot? I still have that card today and this is the whole reason I got in this credit stuff. It hurts and is very hard work. YOU CAN DO IT.
-------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

I have about 8 things with the letters

My name is REAL PERSON and I have about 8 things with the letters
disputing the charges. How do I get them to the bureaus to get this off of my credit? Oh and one more credit card in which i messed up back in college, how can i get that taken care of also?
----------------
Use my free dispute form.
I assume these letter are from creditors that say the charges are incorrect.
If they are your letters good luck.
In any event use the free dispute form
------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

any way i can pay it and have the default removed

Quoting REAL PERSON

hi there i checked out your website, i am woundering i have a default for £96 with a mobile phone company. is there any way i can pay it and have the default removed as apose to it just being settled and it still showing on my file.
------------
Absolutely.
Ask to open the same account and pay all fees.
then ask if i pay good for 24 months will you remove this file.
If they answer no it is probably not worth the trouble on a mobile phone bill as they do not report new goood credit. They only report poor payments.

A credit card however reports both and would make a better candidate for removal and establishing new good credit.

i would consider opening or using an existing credit card to over lap this bill.
In any event 96 is not much to spend and should probably be paid anyway.
I would still press for total removal upon payment in full including fees
------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

anything else i can do to have judgement removed.

Quoting REAL PERSON
Hi Bo just read your article very informational. My questionis how do i have a judgement removed from my credit report. i have paid in full over a period of time the account in question through credit counseling, but need this judgement removed from my credit file. the credit card company is mailing me a letter stating that the account is paid in full and my credit counseling company is also questioning the remova. is their anything rlse i can do to have judgement removed.
-------------
A Judgment will probably be on your report no matter what for at least 7 years and maybe 10 depening on state laws. Matters of law are the hardest to change. Electronic courhouse records do not change and court houses are not in the credit business so they are unlikely candidates for credit help.
Wish I could tell you something more optimistic.
--------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

my father died in 1999, Bureaus and creditors put my dad stuff on my report

Quoting REAL PERSON
I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them,
but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
---------
i would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute.
I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes.
In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC

1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
--------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after

I ran my own, and I find a collection for $

Quoting REAL PERSON
Bo,
I was about two months away from buying a house, had a score of about 650 and before my lender ran my reports I ran my own, and I find a collection for $70. I called the company and found out it was from an unpaid hospital bill that had been sent to the wrong address. The collection company even said that they had in their files that the bills were returned to them. I paid by credit card, and they agreed to remove the item. To be safe I filed a dispute with all the cards only to find out that the collection agency is now refusing to remove. I called them and they claim they never said they would remove the item.
My question is, do I have any legal rights here since I never got a bill. Had no way of knowing my insurance didn't cover this portion of my bill and now have a mark that will hurt me to the tune of thousands of dollars in higher interest rates. It just seems like I should be able to sue the collection agency over something like this.
What would you advise I do?
-------------
This is the typical he said she said didnt get i billed you kind off stuff that frustrates a lot of folks.

There is almost no way it sounds to get the people to remove the record.
1. I would add a comment to the record stating my case.
2. I would ask for proof in writting that they billed "ME" or threaten in a legal tone to take this up with the FTC.
3. I would call my insurance company and try to find something out from them about this bill. I advocate paying hospitals and not colllection companys on bill such as these. The hospital has the right to legally take items off your credit for billing mistakes if you can prove it was there mistake, an insurance mishap or just a mail mistake. The problem is the he said she said stuff.

You need to get your hands on some documents.
Alwaya get something in writting about removals before you make payments. Say send me a letter stating you will remove the account or mark paid as agreed and in full before one pays or else snafu.

I would definately try to find the root cause of this issues with thre hospital, the insurance company and the collection company.

hope this helps
-------------------
Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after