What about a double credit found that is reported as a charge off

Good Afternoon, What about the double credit file that has been reported as a charge off, item sent to collection and add back to my credit report for different dollar amount?For example :Ford Motor Credit high balance account $30.921 charged off on 11/2002 bal $22,015 as a bad debt purchase by collection agency on 7/2006 @ $13.196 placed back on my credit report by collection agency. what is the best solution HELP HELP trying to repair my credit only have one line open credit and one charge off on my credit score 570....

Bo Majors
to REAL PERSON
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Dec 19 (2 days ago)
Well it would have been nice to have opened a couple of credit cards before the collection entry for 2006. I think it is criminal to re list with collections. What a company like ford has done is. Rather than take you to court for the balance and waste time and money on something that may prove fruitless anyway, they sell it to a collection agency for like 30% of balance and sign out. I would attack the ford motor balance and the way that is reported. I would also contact the BBB in your area and see if re dating your balance four years later is legal. You might even contact the Federal Trade Commission.
My guess is you had a car re possesed. Then they sold the car and said you had 22 left over. What did they seel your car for. You should only be liable for the difference between the sale price and the balance left. Not the enitre balance. There might be a loophole there that may or may not be legal. I would contact ford and find out abou that.

I assume the collection agency has contacted you and you do not think is is reasonable to pay.
- Show quoted text -
On 12/19/06, REAL PERSON wrote:
Good Afternoon, What about the double credit file that has been reported as a charge off, item sent to collection and add back to my credit report for different dollar amount?For example :Ford Motor Credit high balance account $30.921 charged off on 11/2002 bal $22,015 as a bad debt purchase by collection agency on 7/2006 @ $13.196 placed back on my credit report by collection agency. what is the best solution HELP HELP trying to repair my credit only have one line open credit and one charge off on my credit score 570....

REAL PERSON
to me
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Dec 19 (2 days ago)
Thanks for quick responses and this was repossession .I notice this when I pulled my credit report attempted to dispute item was informed debt from fors

If you have credit cards and have been late on them for 2 or 3 months, how do you go about repairing this damage ona credit report. Will these late payments stay on your report for 2-3 years even if you start making payments on time. How long must you make payments on time to start repairing some of the negative credit history?


Bo Majors
to Real Person
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Dec 19 (2 days ago)
After 2 years of perfect payments the damage will be almost completely undone.
- Show quoted text -
On 12/19/06, REAL PERSON wrote:
If you have credit cards and have been late on them for 2 or 3 months, how do you go about repairing this damage ona credit report. Will these late payments stay on your report for 2-3 years even if you start making payments on time. How long must you make payments on time to start repairing some of the negative credit history? --

What if I check my credit score on the internet and I see that my score is 556 on Experian, 545 on Equifax, and 550 on Trans Union. I know each credit score is going to be different from the 3 bereau's. But I had consulted with a credit counselor and they pull my credit score with my permission, and my score they pulled from Equifax was a 490, Experian 496, and Trans Union 493. And all of the credit scores are from the same month. Is the credit score on the internet acurate. Who is right and who is wrong? Thank you for reading my e-mail
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Bo Majors
to REAL PERSON
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Dec 19 (3 days ago)
The score will almost always be different between different bureaus. So the 556, 545, 550 look normal as do the credit counselors numbers.
The question would be the difference between the counselor and the internet.
First there is little chance the numbers are different be cuase one was pulled by you and one by the counselor. Report score can change dailt even.
One would have to look closely at the reports themselves. I would guess that some very small change happened. You might have charged past 80% on a credit line. You might be one day late with a creditor. You might have had your credit checked several times and the inquiries did not show up for a few days. One of the account could have gone from late to collections, charge off or another level of late like 90 days rather than 60 or 30.

With a 545 or a 490 a person is is dire straights. The difference in thos scores will not help you miuch. You need to work hard, pay off debts, dispute files and create new good credit.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

Hope this helps

None of my credit credit shows up on my credit report

I do not show up on any of the credit reporting agencies. I have had an AmX card for over 1.5yrs, I have a checking and savings acct, I have two jobs that pay taxes, I file taxes every year. But, I do not show up on any agencies. When I called AmX they said - yeah you do not show up and we cannot report because you are not in systems
How can I fix that? Really having major issues because of this.

Bo Majors
to REAL PERSON
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Dec 10
Checking, savings, net worth, taxes, rent, utilities, rent to own, insurance payments 401k do not show up in credit reports.
Amex usually doesn't report because they have to be paid in full each month.

You need a credit card and 2 other open lines if credit with 12 months at each to establish a credit record.

I suggest starting here.
http://www.credit.com/r/problem_credit/af=p39646&ag=

Please help Equifax credit score changes

Paid for credit score,11-22-06 7.95 Told me 7-10day's, It's been 14-15 day's called phone number888-265-8792 out of service,need to talk to someone.Please HELP.EQUIFAX.

Bo Majors
to REAL PERSON
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Dec 5
Exactly which website did you pay for a score from.
Which bureau did you pay for a score. Equifax only I assume.

7.95 sounds like a credit report only.
Usually a score comes as a 5 dollar upgrade or free with 3-1 or credit monitoring. I have never seen a 7.95 charge for a score.

Did you expect to get this by mail, email or internet login?

My name is Bo Majors and I just help folks.
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Yes Equifax. Yes regular mail. 7.95 is new price forSCORE only. Did by phone,I have confirmation number.
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Dec 5
You will have to work with them by phone I guess. They do have a online dispute form that may take your order number.
15 days is plenty long enough I think so I would be angry too.
I advocate people signing up for credit monitoring and getting all scores and reports. Then if thats all you want cancel it 2 days later and it's totally free. Or keep it for only "What?" 9.95 per month? and montitor any changes in the works that are SUPPOSED to happen. Either way it is way better than the deal with Equifax. Not to mention they are about the size and response time of a walrus on land.
Sorry I can not be of more help.
http://www.credit.com/r/truelink_fit/af=p39646&ag

Remova a Equifax Credit Flag. Freeze.

I went to alltell communication to purchase a cell phone, it was denied because they said Equifax has a flag / freeze on this account and they could not confirm my identity. I have called 15 different phone number, do you know how to contact someone to get this removed. So I can get on with life.Thank you for any help.
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BO Majors
to REAL PERSON
Dec 15 (6 days ago)
http://www.oskie.com/credit-dispute.htm
Use this form and mail your vitals and a 100 word or less explanation of your problem. Send them certified 2-3 day mail. About 5.00 each.
Wha La.
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How d
How do we get a phone number, so we can call someone that is on our creditreport?Debt Recovery Solution/1984189 - Sprint LTDFirst American Investment/1985469 - Providian National bankMidland Credit Mgmt/3993328Patsy Harristhank you.


http://www.oskie.com/raise_credit_score_fast_quickly_free.htmo we get in touch with bureaus to report our credit
# 12

I was a 25 year old African American female with bad credit.

I wanted to say thank you. I was a 25 year old African American female with bad credit. I had the credit score of 533 and it was going down hill from there. I was just getting back from Iraq and I had gotten hurt pretty bad, and was about to get a medical discharge form the army. I knew that I would be getting disability but I had no Idea that it would take that long. I wasn’t worried about my credit cards because, I had insurance on them and before Iraq I had over a 700 credit score. Needless to say that it all changed because some of the creditors wouldn’t honor my insurance. “Sears” told me I needed to have been fired from my job. I told them that my enlistmement was up and I didn’t have a job. Sears stated that they couldn’t honor my insurance because I wasn’t fired form my job. In other words I should have stayed in) I was devastated I have had this account for a couple of year and was never late. I was paying my insurance on this account in case I didn’t have a job, and now they were telling me that they wouldn’t honor my insurance. I had almost died in Iraq from an IED protecting my country, and the only way for them to honor was if I had gotten firer. That credit score of a 700 plus went down to a 500 plus. One day I came across your website, which was very insightful. I disputed some and asked forgiveness on other, and to my surprise, one by one came off. The Sears account is the only one affecting my score because I was late twice but I managed to pay the account off. It hurts but I am still young enough to have learned from this mistake. My credit score is a 683 it’s not what it use to be but, it’s not where is use to be. Sincerely, much respect
Army girl
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Dang girl....you humble me....I really do care about people and I am so glad you are willing to get your hands dirty. Most people see my advice, read my advice, even understand my advice, but VERY FEW roll up their sleeves and get in the dirt. The only way to get better is to work and you owe yourself a HUGE pat on the back.
Thanks for the update.
Bo Majors
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Use my free dispute form to correct errors

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My name is REAL PERSON and I recently applied at I.B.C for a loan and it came back as I have a civil judgement in colorado as i have never been in colorado all i know is some one that i i think is my x-wife used my social security number so what can i do to get this problem taken care of my ssn is 555-13-7455 my addrress is P.O box 2413 fulton texas 78385 phone number 361-729-0128 cell is 361 463-1145 thank you
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Use my free dispute form to correct this error

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Hi Bo,

I am a recently divorced mom and I have just been contacted by a collection agency who claim that I owe $2000.00 on a Sears account from 1994.

I guess what I am trying to find out is can they still come after me after so many years? If so, can I offer them a smaller amount like 10%? Would this normally still be on my credit report?
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Thats too long. Do not talk to them.
Contact the better business bureau.
Contact the FTC.
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On 11/7/06, REAL PERSON wrote:
Bo,
I have looked over your website prior to sending this e-mail. I need some advice, I'm rebuilding my credit and the loans that I have through my bank are only reporting to Equifax and not the other 2. My Equifax score is about 100 points higher than one of the other companies. I was told by my bank that they only report to Equifax and then I ask them why do they pull all 3 to determine if I can get a mortgage, they said well. How can I get that information over so that the scores will balance out and I can possibly get better rates. Also, one of my accounts are showing the amounts getting lower every month as I make my payments, but there is no payment history recorded???? Thanks for your time. - Randy
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Bo Majors wrote:
I would try to contact the other bureaus and see if you can submit information yourself. I need to look into that myself as you are one of many.
Most creditors only report to one bureau as it cost more money for each bureau. All super low interest rate mortgage companies get reports from all 3 bureaus as they have to have detailed documents as to why you get the low rates.

Not sure about the last thing. I would guess capital one or local finance company loan.

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Thanks Bo! I'll monitor your site for futher information. - Randy
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I am paying bills and making money but my score is still low.

REAL PERSON
Bo,
I am finally making good money, and really never paid attention to my credit score in College. Now that I am finally done with what I wanted to accomplish I am stuck at a 541 credit score as of last week.

I was at a 479, so I have come up a little bit. What I am not understanding is I have paid off and been in touch with everything in collections. I have worked very hard at trying to get this up over the last 3 years.
I bought a brand new car, never have been late EVER on my car payments. I have lived in the same place for the last 2 years and NEVER late on Rent. The items that are left over are a collections in Boulder CO. and some other little bills. I had a student loan in default and was able to pull it out of that status as of November 2005. Now that I have done everything I could think of that was hurting my score I am still stuck.

I sent over to experience a final sheet 2 days ago, of the 2 items that have been paid, to see if they could take them off. I have read your site information and it is so helpful..

I just don't know what I am doing wrong and I really want this so bad. I just want to be one of those that has a credit score of even at least 651. Can you help, I have done everything I can and I am still stuck..
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Is the car payment reported to bureaus?
Do you have any more new and current credit?
Do any of your credit entries say that you owe over 80% of your available balance.
Is any of your new or current credit local finance company credit?

Try to lower balances
Try to dispute with bureaus old or inaccurate accounts. Say not your account.
It is very hard to tell you what to do with out seeing your credit report.


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Bo,
Thank you for responding, I have been so frustrated. I am going to answer your questions the best I can.


Is the car payment reported to bureaus? I am with Americredit, I know that they do. I have seen my statement and it says, never late and then the balance.
Do you have any more new and current credit? No that is the problem, in order to get a credit card you have to have a good credit score. Let me ask, I have been told by my credit union. That if I get a credit card about a 500 dollar balance, keep it always going, buy the little things gas etc... Pay it on time, and keep it at a 5 or 10 in balance that this would be the way to go? Your thoughts?

Do any of your credit entries say that you owe over 80% of your available balance. No

Is any of your new or current credit local finance company credit? I don't know if I am getting this question right, I have a local personal loan with my credit union. I have had 2 late payments, got the loan in 2005. Now I have not been late for 9 months now..

Try to dispute with bureaus old or inaccurate accounts. Say not your account. I just did a discrepancies report
and was mentioned to take a very Nieman Marcus account off. I have contacted their company and they said we will send the bill so you can pay it. They never do, I went to their location in Cherry Creek mall, and they have no record of me at all. So I mentioned for them to take it off.

I guess at this point I am just confused. If you look at my credit report everything that has gone to collections says paid in full and closed paid in full. There is one pending that I will have paid off next month. Its these little balances that have killed me like 200 there and 150 there. I got a premier bank card, a credit card that allowed me to use and then pay back, they were so horrible I closed the account and paid the whole thing off. If I could get away with even doing a Visa with a 500 limit that would be golden.

I so appreciate your help, again I really do not understand this crazy and strange system. And as time has gone by I have heard this is right and no that is wrong etc...
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Just because it shows balances and payments on your statement do not "assume" that means they "REPORT TO BUREAUS".

You should do that with the credit card for sure. Pay for gas and pay extra each month to help your credit even more. Ask for a raise of you limit after 6 months and good pay time. The card has to be open for 12 months to get a rating on your report. Same with any loan. 12 months or no rating.

They cannot take something off they have no record of. So if you dispute the record it should fall off.

I assume you have a copy of your credit report. If not get one fast.
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Bo,
Thank you for the advise, do you know of a card that works with people who have bad credit.

I just need to make sure I do all of these steps. Yes I just ordered another one from my credit union, I have a loan with them already. I was asking for them to up the loan amount so I could take care of these last bills.
They turned me down and yes I forgot to add. I had a judgement, I have paid it off completely, the day the papers came to my door. How long does it take to get that off your credit, even though its paid.
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Seven years.
Send in some money with your application to get the credit card. It really looks bad to borrow money to pay bills or other loans. So never say that to a lender.
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MEDICAL BILLS AND ABOUT $800 OR SO OWED TO UNSECURE DEBT

REAL PERSON to Bo Majors

HI BO MY NAME IS REAL PERSON, I NEED YOUR ADVICE. I DO NOT HAVE ANY CREDIT, BUT I DO HAVE ABOUT $2500 OWED TO MEDICAL BILLS AND ABOUT $800 OR SO OWED TO UNSECURE DEBT. MOST OF THESE ACCTS ARE FROM 1999-2002. WOULD YOU RECOMMEND ME DISPUTING THEM OR PAYING? AND ALSO SOME OF THE MEDICAL BILLS ARE DUPLICATES, THEY WERE REPORTED BY THE PHYSICIAN AND THE COLLECTION AGENCY ON MY CREDIT REPORT.

HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!
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I would try to call them first. Can't find them then dipute them. Can find them then try to work something out if you pay they take it off. Open up a credit card with some seed money and pay them regular like. Make sure the credit card reports to bureaus.
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trying to have loans paid as agreed, placed on my Transunion and Experian accounts

Hi Bo,

I am trying to have some loans, that were paid as agreed, placed on my Transunion and Experian accounts. However, my credit union only reports electronically to Equifax. When I call Transunion to see how my credit needs to go about reporting this information manually, they stated my credit union would have to subscribe to their service.

Please let me know if this is the only way.

Thx,
REAL PSERON
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For security. Without subscriptions your credit would be at risk for fraud
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I have been receiving phone calls from creditors, law firms, collection agencies,

REAL PERSON

Hello Mr Majors.

I have a unique and VERY frustrating problem I'd like to run by you.

I have been receiving phone calls from creditors, law firms, collection agencies, etc on and off for yrs now. These callers are searching for someone with the same last name as mine. I would usually just say no such person at this number and hang up. Recently, the calls began to come much more frequently.

A collection agency informed me today that they called me because---MY PHONE NUMBER IS LISTED ON HER CREDIT REPORTS!!

What recourse do I have?? I can't seem to reach a human at Experion. After insisting to speak to a supervisor three times at Trans Union, I was told to fax a letter explaining the circumstances and they would check their data bases to try to correct the matter (this phone call took over an hour). I have yet to try and contact TRW.

Do you have any ideas? Is there a more efficient, reasonable way to handle this?

Thank you,
REAL PERSON

Get all three of your credit reports so you know what is going on for godness sake.
Then use my dispute form to make the corrections you need. Instructions and addresses are on the dispute form.
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Actions to take to get my credit score up quickly

My name is REAL PERSON and I live in Pennsylvania.

I was on your website and I am hoping you can help me make some decisions as to what actions to take to get my credit score up quickly. Aside from the Collections and Derogatorys, I have other good tradelines that have been on time for the last 18 to 24 months. My three current credit cards are all at Zero balances. I am just finding it hard to decide which of the following to attack, and how to attack them. My current middle score is 608. It was 646 a few months ago, but I opened a no-interest-nopayment account for furniture purchase not realizing at the time that it would be looked at byu scoring models as a maxed out credit card. I am trying to pay this down fast but it started at $5400. I am down to $5000.

I have a few collection items as follows, all of which I paid off (settlement for less than full balance) after they went into collections. Can I get these removed or at least changed to a category that doesn't kill my score as much? I am under the impression that since they are listed under collections that they are still tanking my score. The Derogatorys follow the collections

the following information is pulled straight from my 11/22/06 credit report and the only changes made were XXing out the account numbers.
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First keep the one good account you have roadloans open and in good standing.
I would possbily try to reopen one of the credit cards that were charged off. Send them money to do so ONLY if they open the account with the same account number.
Looks to me that you nees at least 2 more open credit lines to mask the past mistakes with new good decisions and track records. Looks to me like you are about 6- 12 months from a 700 score with a couple more accounts paid on time for at least 12 months current.
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trans union credit report and I have two adverse accounts direct loans

REAL PERSON to Bo Majors

I received trans union credit report and I have two adverse accounts direct loans from university .At this time I'm in the process of consolidating them with a federal program and later I would fill out for forgiveness because I'm permanent and totally disabled .I have another that it said.Loan type-partly secured . Remarks - profit and loss writeoff .Pay status -charged off as bad debt balance 1,712. Estimated date be removed 07/2008 What sbould I do thanks for your help.
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The last thing is not affecting your score much. So let it fall off.
Sounds like your on the right track on the university loans.
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Hope this helps
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