Cliamed Bankruptcyu in 2006 discharged in 2006 and I still have bad credit from the bankruptcy

Hi I was browsing your website, and I was wondering who you are and what you do? Do you work for Experience? There is a lot of useful information on there! Thanks
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Bo Majors
to Real Live Person
show details
Feb 2
I had bad credit back in 1992 and paid a dear price to get it back on track. I found the bureaus impossible, learned some tricks, then sold cars for 12 years. Credit became my life somewhat. I operate to help people who need help and are earnest, then I make money from legitimate credit offers for people that want to raise their score.
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On 2/2/07, RLP wrote:
Hi I was browsing your website, and I was wondering who you are and what you do? Do you work for Experience? There is a lot of useful information on there! Thanks
RLP
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Real Live Person
to Bo
show details
Feb 2
Wow thanks for the information.

Well here is my dilemma. I claimed bankruptcy in Aug 2005 and discharged April 2006. Most of my bankruptcy was caused by bad checks. So my report had about 62 pages, and 300 accounts. I am now down to 33 pages and only 100 accounts. They were all claimed in bankruptcy it is just that the credit bureau is not updating them properly.

I sat on the phone for 2 days straight (literally) and personally called every single collection agency to make sure their system was updated before I started the disputes. They all either faxed me a letter stating waiver of debt or updated there systems. I just feel better knowing I sat down with pen and paper and took notes of every collection agency and got things resolved. All were very cooperative.

I hope this helps. I now have to wait the 30 days. Sux, cause I am trying to close on a Mortgage by April 30th, but I do not want to submit application until this is resolved. (dont want to stick the hand out to quick..rather clear these items up for better chance) Especially since I am dealing with the VA with only a year out from Bankruptcy.

I sent in all major credit bureaus disputes and documentation. I also did a few online to expedite the process. I hope that now that all Collectors actually have there systems updated that when the computer pings the collectors for disputes they will either A) not respond so it is deleted or b) update with a zero balance.

Any suggestions? Speedy tips?

Thanks Real Live Person
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From: Bo Majors [mailto:majors@oskie.com]
Sent: Friday, February 02, 2007 2:21 PMTo:
Real Live Person:
Re: Question
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I had bad credit back in 1992 and paid a dear price to get it back on track. I found the bureaus impossible, learned some tricks, then sold cars for 12 years. Credit became my life somewhat. I operate to help people who need help and are earnest, then I make money from legitimate credit offers for people that want to raise their score.
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On 2/2/07, RLP wrote:
Hi I was browsing your website, and I was wondering who you are and what you do? Do you work for Experience? There is a lot of useful information on there! Thanks
Real Live Person that works at a bank
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Bo Majors
to RLP
show details
Feb 2
sounds to me like you could teach some yourself.
Do that and see what ahappens
Make sure you have ata least three open lines of credit
good luck
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I get all three of my credit reports so I "know" what is going on for godness sake. Then I negotiate and use this free dispute form to make the corrections. Instructions and addresses are on the dispute form. I also know how to raise my credit ccore fast quickly free.