Charge offs, Cap one, new credit cards,

I emailed you a couple of months ago and opened a couple of new credit accounts and stated improving my score, however I followed your site's advise and got my 3 bureaus report and now it seems I have old accounts (telephone,cellular) as charge offs and this is odd I have information on a mortgage (41000) that my father did when I was 8 years old an appears on my report as joint.Any advise??? I am closing the Cap1 card ASASP.
On freecreditreport.com it says 632 ,why???the difference. I am working for the Fed Gov't and need to raise my credit.Thanks and regards
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Dispute the account that is not yours with this and say so with circled copies of the errors.
http://www.oskie.com/credit-dispute.htm
If you pay any of these off your debt ratio goes down and it helps more if you do this
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
Closing cap one might mean a 50 point increase.

I recently pulled my wifes credit report from truecredit.com which shows all three reports and notice that a medical collection is on there and has been paid. It shows paid with a zero balance. How do I get this off of my report. Also the collection company hit the report for an inquiry. I wrote them a letter asking where there were given permission to pull the credit report and haven't heard from them yet.

Any help or guidance would be appreciative.
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http://www.oskie.com/credit-dispute.htm
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm

How I might improve my credit score? I realize now that paying 'cash' for things the last 5 years was probably not the best thing to do for improving my credit report. I do not presently have a credit card. Is there a way to get one and use it to quickly improve my credit score or do you have a better way for me to improve and continue to improve my score. Thanks for helping all of us out here.
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You gotta have 1 year on the books so ya better get started now.
I get or keep at least 3 reported and open current paid on time credit cards or loans that have been reported at least 12 months.
Best and only way.
Start with a card
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
use this letter if you get turned down
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Your website is very good in helping me understand that I may be able to build some good credit down the road.

The last time I checked my credit report was in 1999. I still have the copy. It's difficult for me to even look at the report. I have such shame for not paying these bills. At this point the reasons don;t matter. I just couldn;t pay.

Can you please give me a step by step on what to do going forward. I just don;t know where to begin.

I guess I should start by obtaining my credit report. I was advised by my attorney to not even inquire as to my score for at least 7 years from the time I stopped paying on these credit cards. That was 1999.

You web site says that after 7 years charge offs, collections, and past dues drop off. Am I too understand that after 7 years my credit report will show 'nothing'?

I would appreciate any advice you can give me.
--------------------------------
Yes in 7 years your report will show nothing if you owe nothing
Get 3 lines of credit
ccard
home loan
car loan
pay money up front to get started.
try a local banks' endorsed credit card Keep it one year then go for a loan
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Thanks. I'll get started.

Chapter 7, Judgment removed from credit report, 7 years

I filed chapter 7 bankruptcy in va w/out an atty.All went well w/the creditors meeting on 5/22 and my current credit report reads; chapter 7 voluntarily discharged. however, i still have judgments on my credit report most read N/A under status and most are date from 2001 to 2004. how can i get these removed from my credit report?THANK YOU!
Get Judgement removed from credit report.
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"majors@oskie.com" / to Get Judgement removed form credit report /8:29 am
Judgements are matters of law that are not only permanently in court documents but are also filed on your credit report for 7 years and are not removable.
If the Judgement was not carried through in court and you included the account that was to be judged in your bankruptcy before the Judgment was carried out in court, then you might get them removed.
So you tell me what happened.
I would say they are too old to worry about now as they are both more than 2 years old. Get new good credit started here and do not look back.
http://www.credit.com/r/problem_credit/af=p39646&ag=
keep one or 2 of these open one year and your score will steadily rise as long as you do not go late on anything anymore.
--------------------------------
I thought they were too old to worry about as well. I think the last one was filed in 2004 HOWEVER i was looking into getting a mortgage as a first time homebuyer w/a cosigner and was told that until the judgments are removed i cannot get the mortgage as they will attach my house for pmt.
I did call 2 of the creditors and asked them about these judgments and they told me i had 2 options 1) pay them and they will remove them or 2) sue them
I said well i can't pay them (they are over 15000.00 medical bills) and they were included in my bankruptcy. she literally said"too bad then sue us if you want them removed"Is that even legal to do?thanks for the help
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I am sorry to say YES that is perfectly legal and their right by FTC law to collect monies owed.

Like I said before.
Did you get judged before your bk or or after?

If it was included in a bk and you have papers stating they were included file that to say the judgement has been satified as it was included in you BK.
use this form and maybe a 50 word letterSend it to the bureau and say account not reported accuratly. Included in BK. Paid
http://www.oskie.com/credit-dispute.htm
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I do not think that a prior legal judgement can be included in a BK.
matter of law
-------------------------------
so i do need to file a motion to avoid lien then? thank you for your help. I'm pretty surenow i will need an atty at an expensive cost. how can they not act on a judgment yet leave it there? i'm looking at my credit report as we speak.all of these companies were included in my bankruptcy and still they are not reporting as such. I did have 1 creditor who had a judgment against me, when i filed the bankruptcy i recieved a letter from them stating that the judgment had been cancelled. ?? why could they do it and not the others?
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http://www.oskie.com/after-bankruptcy-credit-report-repair-credit-card.htm
read the first part of this page
I do not know. But I guess you filed for BK before the judgements went through court
thats like my third time to ask that question.

I would say if the accounts were included in you bk please use this form and make sure the accounts are listed as they should be.
http://www.oskie.com/credit-dispute.htm

Wow

I am not a legal consultant but it sounds to me like you need some legal advice.
Might try a bankruptcy forum on yahoo questions. usually a lurking lawyer will answer the leagalities of issues.

Of course credit reporting is fraught with errors and most misreporting can be labeled as just an error or oversight when in fact it was intentional and deliberate to make one credit bad in light of non payments.
------------------------
I apologize but i thouught i answered that questionn. Yes they were filed before my bk. some were filed in 2001!and are listed as N/A (i think that mean no activity) I appreciate the help you have given me thus far. I will take it under advisement and also contact a bk atty for a free consultation too see what they say.THanks again!You have been a helpregards,

Hello Bo, My email is in response to this statement I've seen about Capital One on your blog."They report your credit limit as being whatever you charge so you are always maxed out with them."I have two questions. First, on our credit report it shows a largest past balance and then a current balance for Capital One. This is on both of our Capital One cards. If the way they report it leaves it appearing to be "always maxed out," how does this largest past balance affect our score? Second, if the account is zeroed out but left open how does that report/affect our score? I am hesitant to close our Capital One accounts because they are the oldest in good standing accounts we have open. I look forward to hearing from you soon.
Thanks for the help!
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"majors@oskie.com" / to Captial One Card holder with a thin credit file /
I guess in your situation i would keep it open too. But never have a balance
I guess you have some other credit too.
If you do have 3 other good credit lines then the capital one should be closed.
If not then keep it open but do not use the dern thing.

Captial One Credit Cards. My Fix Credit Free Help

You probably dont remember me emailing you for your advice i read on your website, but it had to do with the capital one credit cards. I told you i had four of them and my score has been over the years staying around 560 to 599, and using your advice i paid them off all four of them, and closed them in good standing. i then opened four new ones with hsbc. my score has slowly been climbing ever since. i spoke with you back in febuary, and score climbed from 565, 588, 601,618, 670, 745. 745 is july. Talking about WOW! just getting rid of capital one is all I did using your advice. I want to thank you, cause if it had not been for me reading that advice on your website, it would have not happened. Thanks a million man! Mike from Texas.
Use my statement on your site if you wish.... thanks again!
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Thanks Mike. 7-24-2007 pm
Your are the MAN.
Free credit help.

Authorized User, raise credit score, how long?

I had been trying to improve my credit score for the past 3 months. My scores have risen very little. The are 591(equifax), 603(experian) and 623(trans). I just added two trade lines to my account as an authorized user on7/10 with 7,500 credit limit and 7 years of history but my credit score did not move. How long does it take for the score to increase? Thanks,
-----------------------
they just came out with a new score system which cuts the piggy back autorized user thing out.
You must have some bad stuff that needs to be paid or removed and some is recent.
So get recent good credit. In 1 year your score will go up 50 points with no new bad credit and all new good credit and all past balances zeroed out.
-----------------------
I was told that the new system to stop piggybacking would not role out untilseptember for one bureau then the other two bureaus would pick it up laterin the year.
-------------------
Probably so.
My intention was to say.
Get good credit on your own name.
Takes 1 year to help your score.

Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.

Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.
--------------------------
My credit scores are (638) experian (590 equifax) and (578 trans union).
(I’ve worked on my experian score for a bit.)

While they say you should not close open credit cards…I have several capital one cards that have
An “Open” status even though they list as “paid/less than full balance/charge off.” I paid these off two years ago.
Total number of open accounts for experian are 5, Equifax open accounts are “10” open accounts, thus I was thinking
Of closing the “open” capital one accounts, as I can see no real difference between experian and Equifax accounts other
Than 5 more open accounts.

I also noticed my home lender while lists on Equifax, reports no data N/a for payment history.
I am going to refinance in November for a better rate so I thought I’d start the process. I haven’t seen any info
On closing open credit card accounts that are in a charge off/paid less than full balance” status so thought I see what your
Opinion was.

Thanks for any input
--------------------------------
"majors@oskie.com" / to webmaster /
Dispute the errors with this form
http://www.oskie.com/credit-dispute.htm

A credit card cannot be open and charged off.

Capital One is not the credit one needs so close all of them you can. They report whatever you owe as being your high credit so your card is always maxed out. That is bad.

I would concentrate on making sure I had 3 open accounts that are being reported and wonder aloud why your mortagage is not showing details. I would call them. Now.

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address
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A part of my medical bill was denied by my insurance leaving a balance of $116 which I was unaware of. The doctor's office claims to have a bad address and they do not make collection calls so they passed my debt over to a collection agency. I feel that in this case a call is warranted if mail is being returned; they must have written the address down wrong. Then it went out to collections but they did not pull a report to obtain my address. My address is current on all reports and I had mail forwarding set up. So... did the collection agency have the obligation to pull my report in order to obtain an address?
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"majors@oskie.com" / to Inquiry on unknown Collection /
Abosolutley NOT!They cannot pull your credit report unless you sign for it.
If you have an inquiry on your report from the collection company, then ask them to kindly remove the debt and inquiry from your credit report, plus send you a signed letter on company letter head saying such has been done as required by FTC law. No one may pull my credit report up without my signed consent.
Read this sort of related collection page.

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

I have a capital one card that is very old and I know it has gone to collections, but I don’t know which collection agency. I have contacted Capital One since they are still listed on my credit reports as the creditor, and they cannot find the account in their system. I have disputed and disputed, but they come back and say the debt remains, even after they sent me a letter stating that they cannot locate me in their system or tell me what collection agency may have the account now.

What should I do
---------------------
Dispute the collection. I guess the capital one is not going away. You have tried. I assume you used certified delivery mail with copies of any documentation you have or should have saying not in the file.
I would tell you to re open with capital one but they are bad. So I will not. They report your credit limit as being whatever you charge so you are always maxed out with them.

I have five late payments on my record from a closed account with Bank of the West. I have sent two letters trying to get the business to have them removed and not punish me for the full seven years. The Lexington Law firm advertises their ability to get them removed.
Can you give me any direction or advise about getting the five late payments removed on this paid in full account.
Thank you in advance for you help.
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majors@oskie.com / I need credit help / show details / Jul 6
Sounds to me like you have done all you can with the letters.
Might ask for a manager.
Lex law can probably do no more.
Focus on new rated credit lines.

I have a credit score of 582. I have paid off all debts that were in collections. They were mostly medical bills. I did not know about negotiating total removal prior to paying them off. I don't know if it makes a difference, but many of the bills were for my daughter, which my ex-husband eventually paid me to pay off. However, I'd really like my credit score improved, as you can imagine. What would you suggest?Peggy
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"majors@oskie.com" / to I need credit help / show details / Jul 6
I would dispute any that are old and may be your daughters. Say not your and hope for the best.
Get at least three open rated credit lines
http://www.credit.com/r/problem_credit/af=p39646&ag=

The system the rep was referencing to was sears. I forgot to mention that I have three student loans a car loan, and a personal loan that have been open from 16 to over 48 months with no late payments. Is it still best to re open the card?
---------------------------
On 7/5/07, majors@oskie.com> wrote:
The best bet is to re open the credit card
I doubt any more or other lates will show if you do so and you need good open credit at least one year on the books.
The system means Sears not a bureau. I think.
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On 7/5/07, I need credit help wrote:

I have a Sears Credit Card account. This account is 16 months old and currently shows in my credit report "closed by creditor" for about 8 months now. I entered into a repayment plan that is automatically deducted from my checking account each month, and have paid them ontime since the account was closed 8 months ago.My Trans Union score is a 642.

I am currently caught up according to Sears and the Sears Card Reps from Citibank are constantly calling to get me to reopen my Card. I spoke with a citibank rep and one thing he told me was that he showed lates on the Sears card in his system. My concern is my Transunion credit report has not reported any lates (0x30,60,90,120) for my sears card at all. Will reopening my account affect my credit score negatively? If I do reopen the account could the new reporting to the credit bureaus activate my account showing lates on it? Is having a "closed by creditor" and paying a card off better on a credit report than paying off an active account with lates recorded? My goal is to get to a credit score of at least a 680. Thank you for any information that you can give me for this situation, it is greatly appreciated.
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majors@oskie.com / to i need credit help / show details / Jul 6
Personal loans and student loan are looked upon as lower class loans.
I would try to get rid of both and get one credit card, one car loan and one home loan

Can the same collections agency put the same account on your credit report more than once?

CAN THE SAME COLLECTIONS AGENCY PUT THE SAME ACCOUNT ON YOUR CREDIT REPORT MORE THAN ONCE I HAVE FOUND THIS TO BE A PROBLEM WITH MY HUSBANDS CREDIT HOSPITAL BILLS LISTED MORE THAN ONCE FOR THE SAME ACCOUNT THAN-KS
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"majors@oskie.com" / to Collection reports account twice / 8:42 am
They did it.
So yea
But I would dispute it as a duplicate
http://www.oske.com/credit-dispute.htm
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Collection report same account twice / to me / show details / 11:17 am (1 hour ago)
thank you so much we are working on perfect credit it is just so hard to fix but your info is very helpful I have learned a lot from it.
----------------------
Always get collection debts validated even if you think it is yours.

Collection Company is calling and writing. They are collecting on a 4 year old debt.

I have a $7,800 collection first reported on Feb. 2003. The collection co. hasn't given up on collecting, but I haven't paid them and would like to avoid paying if possible. I still receive a phone call or form letter every few months, but I've never answered them or acknowledged them on the phone. I was wondering if this will come off of my credit reports on Feb. 2010? Do I have to take any special action? Is there anything the collection co. can do to keep it on there, like sell it to another co, for instance? Anything else I should know? Also, if I do end up in negotiations with the company, how much should I offer to pay and how do I ensure that they will remove the record from my report? -- Best Regards,
----------------------------
"majors@oskie.com" / to / show details / Jul 5
original creditor, they will tell you what you might be able to do.
hope for .35. But who knows?
get a letter on company letter head.
-------------------------------
What was the collection for?
Is there another entry is yes above?
There is a distinctly high chance for some other action is possible by the collector because as you state they are able to contact you: 1 Suit? 2 Re Date like you state by selling to another collector or small claim
Not talking to them might work but I would rather pay them and negotiate if at all possible, especially if, the collection is a result of inablity to pay something I signed up for and agreed to pay in the first place.

One thing I need to address is that more often than not good credit is a direct result of stable workable income. If I can not pay what can I do?
-----------------------------
Thanks for answering. The collection is for a student accounts balance (not a student loan, so it would eventually fall off.) I am in the position to pay something now, but not the whole thing. I also don't want this to drag on any longer. My credit score is 675, and I'd like to pump it up a bit more to purchase a house soon. How do I negotiate with them so I don't have to pay the full amount? How much on the dollar can I expect to pay? Should I negotiate with the original creditor or with the collection agency? How can I be certain they'll take the record off after I pay?

Thanks again,
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"majors@oskie.com" / to / show details / Jul 5
675 is a good score so wrok wih these folks if you can not upset that score.

Will filing unemployment affect my credit report?

I just recently lost my job and was considering filing forunemployment. However, I have a credit score of over 800 and I don'twant my filing for unemployment to affect my credit score, if this ispossible. Please let me know what you think...
Will filing unemployment affect my credit report?
ps - I really like your website - keep up the good work



"majors@oskie.com" / to Will filing unemplayment affect my credit scrore / show details / Jul 5
Employment does not affect credit scores.
Employment does affect credit decisions if some one applies for credit several times and each time the job shows up different.Potential creditors might say: Hey this is a job hopping, credit applying, unstable person.
800?Thats a super score, don't worry, be happy, hope your job search works out.

Will not be able to make minimum payment on my credit cards for 2 months. What should I do?

Due to time off of work, in July I am not going to be able to make the minimum payment on my credit cards. I will be able to catch everything up in August or even possibly the end of July. I will only be able to make less than the min. payment but I will pay something. Is some payment better than NO payment? As far as my credit score. Also, I have two horrible credit card (interest rates, annual fees, etc.). I want to pay them off and get rid of them. What is the best way to go about this.
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"majors@oskie.com" / to Can not make minimum payments on credit card / Jul 3
Call the credit card comanies involved and make a deal with them. Many times they will work with you if you call ahead.
Pay them off if they are at least 12 months old, or keep them until they are, and make sure you have at least 3 open lines of credit.

Lost job and had a divorce. I have bad credit on my report.

Hello, I am calling for your advice. I have (2) charge offs on my credit report. Both are Capital One. And they have been there for about 2 years. Went through a divorce and havent' had a full time job since, therefore have not been able to pay on them.
Please help!
Thanks,
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majors@oskie.com / to Lynn / show details / Jul 3
I guess I should address that on my website
If you don't have a job you can forget about good credit.

How can I remove 20 inquiries from a car dealership?

how can i remove 20-inquires from a dealer ship..i didnt even end up purchasing a car from..i recievd a copy of my credit report..i cancelled the request that night ..that i didnt want to take the vechicle..and called to return my deposit....it took them over 2 months to return the deposit...I'M just upset..that there are 20--inquires for an auto loan..HOW CAN i GET THEM REMOVE?

thanks
-----------------------
Once you sign up to get approved for a car loan dealships work to get it done and must not have been able to in your case. Prbably prior bad credit or too much debt.
Nothing can be done other than disputing the inquiries and I doubt that will help.
Your problems lie in other areas and these should be looked at more attentively I feel certain.

Charged up and off several credit cards. I paid them off now how do I get them off my report?

A couple of years back i went abroad to study and i loaded about 9 credit cards with stuff. the plan was that my parents were going to pay it back while i was gone, but my father lost his job. long story short, a couple of things got charged off and i've got a lot of negative remarks on my credit.

i dont know my score, but i know that i've got a whole bunch of stuff on there that doesn't look good and are now PAID OFF. is there anyway i can get them taken off considering they've been paid in full, or am i going to have to wait for the whole 7 years thing to go by? i can't even get a small credit card, but i've got an excellent job and no debt. anything i can do? i heard that if i'm persistant with the credit agencies and write them letters explaining the situation, they may be able to clear it up.... is that true? please help. i've just gotten married and we want to buy another home together, but i'm scared that'll look bad...

thanks,
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First get your free credit reports and see what is wrong.

http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
you got to open new good credit and get 2 years of it on the books.

Dispute anything on your report that might be wrong in any way.
http://www.oskie.com/credit-dispute.htm

Try to open 1 or 2 of the old charged off accounts numbers by calling and begging if you pay in full and add a couple hundred to open up with a positive balance. Work with them one year and then ask them to drop the old bad. Credit cards usually report the last 24 months mainly and will often agree to drop old bad if they have new good.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

let me know what you think

Credit cards charged off. I paid them and they are still on my report.

A couple of years back i went abroad to study and i loaded about 9 credit cards with stuff. the plan was that my parents were going to pay it back while i was gone, but my father lost his job. long story short, a couple of things got charged off and i've got a lot of negative remarks on my credit.

i dont know my score, but i know that i've got a whole bunch of stuff on there that doesn't look good and are now PAID OFF. is there anyway i can get them taken off considering they've been paid in full, or am i going to have to wait for the whole 7 years thing to go by? i can't even get a small credit card, but i've got an excellent job and no debt. anything i can do? i heard that if i'm persistant with the credit agencies and write them letters explaining the situation, they may be able to clear it up.... is that true? please help. i've just gotten married and we want to buy another home together, but i'm scared that'll look bad...
-------------------------------
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
you got to open new good credit and get 2 years of it on the books.

Dispute anything on your report that might be wrong in any way.
http://www.oskie.com/credit-dispute.htm

Try to open 1 or 2 of the old charged off accounts numbers by calling and begging if you pay in full and add a couple hundred to open up with a positive balance. Work with them one year and then ask them to drop the old bad. Credit cards usually report the last 24 months mainly and will often agree to drop old bad if they have new good.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

let me know what you think

Will filing unemployment hurt my credit?

I was recently let go at my work and was thinking of filing for unemployment for a month or so... will thatmess up my credit score down the road? Thank you,
-----------------------------
majors@oskie.com / to Will Filing unemployment mess up my credit / show details / Jun 30
That will not show up on your credit report at all unless you applied for credit and listed unemployment as your basis for montly income. And in that event the listing only shows as a job listing not credit.
So
No

Two Judgements on my report are more than 10 years old.

I have two judgements on my credit report that are actually over 10 years old. one is to helig-meyers.when i tried to pay them years ago they said they could except no money, they were headed for bankruptcy. my husband also has an illinois state tax lein on his report that is over 10 years old. are there statutes of limitations for state taxes and bankrupt companies. also , isn't there a written law that keeps people from putting all these old debts on our credit reports. we make almost $100,000.00 per year and cannot get loans with anyone but high interest lenders. sincerely
Fix My Credit report. Judgement are errors and too old
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"majors@oskie.com" / to no

http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
this one should get old stuff anf rouge stuff off

BUT

sounds to me like you do not have 3 lines of currently open GOOD credit.
If your last two years showed good open credit you could get what you want.

So my experience tells me you problem lies a little deeped than the question above.

My debt was sold to another collection agency.

My debt was sold to another collection agency and they sold it to another collection agency and now they do not know who they have sold this debt to because they did not document who they sold the debt to. How can I get rid of this debt off my credit report?
Thank you in advance
Debt sold to another collection agency
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"majors@oskie.com" / to Debt Sold / show details / Jun 27
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
Use this letter
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Debt sold to another collection agency / to me / show details / Jun 28
Thank you so Very MUCH! Your site is great it helps the common person.

I am in desperate need of credit advice! I opened a Mervyns Account in 2003 and forgot to change my address. In April of 2006 I was contacted by adebt collection agency who said I owed $215.56 to Mervyns, which was 3 years past due. The agency said that I could clear this debt and settle for 75% of the $215.56, which amounted to $167.67. I did so. Since April of 2006 I have been notified by 2 different debt collection agencies, stating that I owe $53.00. I pulled my credit report recently and it shows that I have 2 delinquent accounts with the EXACT same account number. One delinquent account is with Mervyns and one is with LVNV funding, which says I have a "credit limit" of$53.00. However, when I sent in the settlement letter that I received from the debt collection agency I settled with, the new colletion agencies say that the account number on my Mervyns account DOES NOT match the account number on my settlement letter. I don't know what to do because I am POSITIVE that this is my only delinquent debt, andthat I settled it in 2006. I kindly ask for your advice because I feel helpless and I am exhausted from getting the run-around from these people. Please find attached the letter that I sent to the disputedepartment of both creditors on my delinquent accounts.
Collection Trouble
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"majors@oskie.com" / to Collection Trouble / show details / Jun 27

Use this debt validation letter
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
That should settle it all.

Filed chapter 7 7 years ago. Will my credit score increase when it come off my report?

I filed a chaper 7 in early 1998. When it is deleted next year Im hoping my credit score will increase. I haven't been able to find any info on how much it will impact my credit score. Do you have a rough idea how many points a persons score usually goes up when a Chapter 7 comes off their file??

Thank you
Will my score increase when my chapter 7 comes off my report?
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"majors@oskie.com" / to Chapter 7 Will my score go up? / Jun 25
It should have almost no impact
IF
you are already "Working the Credit Help Program"
you have 3 open and rated lines of credit.
All of which should have more than 2 years on the books by now.

It will have very little impact if any
2 years back from today is 80% of your credit score.

You might get 10-25 points.

I am having some difficulty submitting two disputes with Experian as I have already disputed these items w/ them in the past. When I attempt to submit another dispute the website prevents me from doing so saying the items have already been verified. How do I proceed w/ another dispute? One of the items was removed several years ago and has since reappeared. Thanks again.
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majors@oskie.com /to / show details / Jun 24
Use the free dispute form on my site not the website.
I will say that they frown on continued disputes of the same order.

Send in documents to support your cause and /or call the company reporting it and negotiate.
Sounds to me like the company is not supporting your cause and re submitting your bad credit.

I am working on cleaning my credit and my credit report. I have signed up for TU truecredit and check my scores daily as well as checking my accounts.
They sure don't make things easy for you but... my question is this.

I got my score from Experian today at the same time I got my score for Experian from TrueCredit. They were not even close.

Equifax directly said my score was 582 and TrueCredit said my score was 601 for Equifax. Why the discrepency? How do you ever know what scores are correct or when they were last updated if there is such a distinct difference between the two?

Is there an easy way to get the report a mortgage lender would see or can you only obtain one through a mortgage company?

I would like to get my score up high enough to qualify for a decent mortgage this time next year. Almost all my old accounts have been paid or deleted and I've had one late payment out of 15 accounts in the last two years. My biggest drawback as far as I know now is percentage of available credit and no mortgage or "other" revolving accounts other then credit cards.

Thank you in advance for your answer.
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majors@oskie.com / to need credit fix / show details / Jun 22

20 points might be explained if there was a time difference in the pulling of the different reports.
If not maybe one reports lists something theother doesnt by accident
BUT
The score should be the same even though I would call 19 points as being almost of no meaning.
The score you want is 640+ to qualify for decent rates and 720+ for perfect rates.

Dispute stuff.Keep stuff open and good.Negotiate stuff.
In less than 2 years your score will be 720's

I have a collection agency that has listed a balance of 2190.00 for a car they say I purchased in 1999. They have my maiden name of when I was married and the balance was 771.00 but with interest each day it continues to go up. I call the collection agency and asked who the original car dealership is because I have never owned a Toyota and they stated they didn’t have it because they bought it from another collection agency. I ask is they could mail me a copy of the signed contract and they told me to call back in a week they would try to find paper work. They stated they mailed correspondence to my parent’s home address which I have not lived at since I was 19 years old over 21 years ago. My report states it will be on there until 10/07. with me pursuing this can they extend another 7 years of this on my credit? I am currently trying to refinance my house and can’t because my credit scores are below 500 and I am looking at paying an increase of almost $400.00 due to my adjustable rate kicking in starting 9/1/07. Should I use the dispute letter to the credit bureaus first or should I send the letter you have posted for collection agencies to try and get them to remove this off my credit?

Despirately needing help
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"majors@oskie.com" / collection agency will not remove mistake and kep piling on fees / 8:03
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
read this
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
mail this letter to them
have it notorized and send delivery confirmation
that should shake the coconuts out of the trees

Consolidated student loan three times and 2 still show bad on my report.

"Consolidated student loan three times and 2 still show bad on my report."
I have consolidated my student loan three times. According to my credit report it seems that I have 2 loans that were in bad standing and one that is current. Even though I defaulted on the two previous loans, they were taken over by the William T Ford federal program. I have been current with this current loan for over a year. Why are the two older loans still listed as negative information when they have been paid off?
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Bo / Consolidated student loan three times and 2 still show bad on my report/
I can dispute them as paid since they are paid now.
Once I make bad payments it stays on my credit for seven years unless I negotiate before I pay them off
Sorry.

Will my bad account be removed from my credit report when I file Chapter 7

Hi Bo, I’ve had a Chapter 7 discharge since Jan. 07, that included a foreclosure. The 1st , 2nd , and one credit card are still reporting me 120 days past due. Are these creditors required to remove their info from my report, or do I need to send dispute forms? Thanks for your help, BJ
Reply
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"majors@oskie.com" / to Will my bad account be removed from my credit report when I file Chapter 7? / show details / Jun 22
No creditors are not required to remove bad credit marks from my credit report when I file and discharge a chapter 7.
In fact all bad payments will show for seven years.
The worst effect is for the first 2 years after the bad credit's "date of last activity".
So it is very important to get and keep new good rated credit.

Car repo removed from my credit report be creditor

A Car Repo is about 7 years old but was paid off in 2005. My credit score is 658 and I want to raise it so that I can qualify for a better mortgage payment on a new home loan in about 30 days I contacted the original creditor who said they would remove it and also send out a letter confirming that removal from the credit report. However that was told to me 2 years ago when the accout was paid and it still is not remove. What can I do to have this removed so that my credit score can raise. Also it is making my debt to income ratio look rather shaky because it shows that I have two auto loans for more than I can pay. I have a good rate but would like to qualify for a lower mortgage payment. Please help. Life is choice driven, we live or die by the choices we make. I Choose to Live!
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"majors@oskie.com" / to Car Repo get quailfied better rate / show details / Jun 21
Do the deal with the original creditor
It might make you go up to 700's i dont know
but
658 should get a decent rate. your not gonna get ripped off at that score I dont think

Need some good credit. Got turned down for a credit card

I need your help. I recently applied for a store credit card (Brandsmart) and they denied for the following problems:
-age of oldest account( I dont know what that is)
-delinquency, adverse pulic record or collection ( I have never been send to collection, I dont know what the other two things means)
- no open bankcard accounts reported (I do have 3, 1 under my name and the other 2 under my name and my husbands, what can i do so that the bank report the bank cards?)
-two few accounts currently paid as agreed (what does that means)

I NEED YOU TO EXPLAIN ME HOW CAN I FIX MY CREDIT AND WHAT DOES THE 4 FACTORS LISTED MEANS, PLEASE!! I DONT KNOW WHAT MY CURRENTLY CREDIT SCORE IS BUT SOME MONTHS AGO I HAD IT ON ITS 500'S

THANK U,
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majors@oskie.com / to Need good credit / have no credit /
You have no credit record
You need three open and rated lines of credit.
You also need a copy of your report. Need to know about adverse
If you do not have a credit report get one online here
https://www.credit.com/r/truelink_fit/af=p39646&ag
or use this form to get your reports if you have no credit card.
http://www.oskie.com/free-letter/get-free-credit-report-letter.htm
I would try this if I was turned down
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
It will take one year for your score to show up.
Of course sign up for new credit here.
http://www.credit.com/r/problem_credit/af=p39646&ag=

When I got my divorce, I agreed to sign over the house to my ex-husband and he agreed to re-finance and get my name off the loan. He also agreed to have my name taken off all the credit cards he opened without my knowledge and listed me as the second party on. A year later he has done none of those things.
I have contacted an attorney who says it could take up to two years to take him to court and hold him in contempt, for whatever good that would do.
I have also been told that I can attach a letter to my credit reports to show that I am no longer responsible for those debts and attach a copy of my divorce decree.
My question is, what is the simplest and most straight-forward way of doing that? And most effective, as I am now thinking of moving back to the States and buying property and afraid that these things will have a negative affect on that process?

Thank you for your help.
Sincerely,
Divorce decree and joint accounts
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"majors@oskie.com" / to Vanessa / show details / Jun 8
100 words or less letter with divorce decree date, case number and state.
use my dispute form for addresses.
Your situation is normal for divorces.
Sorry

Checked my credit report. Have lote of bad credit

I've checked my credit report, and have a score of 556, with LOTS of negative items on my reports. I've been paying, or settling a lot of them in full over the past two months, and have just now started realizing that settled in full, according to your site, is often times viewed just as negatively as charged-off in the eyes of many new creditors.What can I do?Also, How do i get the Credit bureaus to update my credit reports, based on the payments I've made, the accounts I've paid off, or settled, and so on?Any help/advice would be greatly appreciated.
Update My credit with my payments
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"majors@oskie.com" / to update my credit report / show details / Jun 6
The creditors have to update the accounts.
Or you can have it done by disputing the amounts

I tried contacting the collection agency to remove the negative collection once i paid in full and they said this was illegal, but they could send a letter that says paid in full...Is it illegal for a collection agency to remove a collection with a letter to the credit bereaus?
I also tried to contact the original creditor (CentraCare) who said they have nothing to do with it since it has been turned over to a acollection agency, but yet they will still accept payments on the account...It does not make alot of sense to me. CentraCare said any negioation has to be done with the collection agency, but it seems like every one i speak with at the collection agency says they don't delete collections!!! Please help...This collection is $117.00 and has been on there since 12/06...

Thanks,
Get Collection off report
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"majors@oskie.com" / to Get collection off report / Jun 6

In the beginning you could have possibly negotiated with CentraCare and had the collection removed or the collection company and had the account removed.
Yes it is considered against credit bureau terms for a reporting agent to

He moved to the USA a few years ago, and even though he was American his english was not so great. He went to a gym and convinced him to sign a contract, but told him that it was just paperwork and he could quit at anytime. Well he stopped going and now he owes them the rest of the money for the 3 year contract that they tricked him into signing. Now his credit is messed up and he needs to fix it. Can you please help or make a suggestion?

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"majors@oskie.com" / to Gym Contract Charge Off / show details / May 21
Same thing happened to me.
One has to fullfill the contract. Contact creditor and negotiate payments and pay in full if they agree to remove the bad marks.

Utility Bill Charge Off

I recently discovered that my major utility co. has reported me to the 3 credit agencies as a “charge off” for app. $300.00 I owed. This has been a bill that I’ve owed for quite some time, and I’ve paid on it off and on, depending on my work situation. The last 4 months in a row, I have not missed making a $20.00 pmt to them, and yet I see that I was reported as a charge off. Now, can this still be done, when I’m making effort to pay, on a schedule, etc. Thanks for your reply. Live Human Being
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"majors@oskie.com" / to Live Human / show details / May 20
Once a charge off always a charge off
But you might be able to dispute the item as making payments and hope that helps.
use the dispute form on my website

Dispute Captial One mistakes on my credit report

I am writing to ask a question about a letter I sent directly to Capitol One about 2 debts that show on my credit report. (I have attached that letter)
I have only had one credit card with them and not sure which account number it was so I disputed both entries. I think the statute of limitations is up on them, but not completely sure. The letter was mailed certified on March 26, 2007 and it was deliverd on MArch 28. To date I have not heard a word from them, despite the fact I included my address and asked for a response within 30 days. I had also disputed this with Experian and the very next day they said they verified the information and no change would be made, but they have failed to explain how they verified the information or the accuracy of the verification. If Experian verified it so easily then why has Capitol One not responded?
I am not sure what my next step should be. I have been cleaning up my credit for the past few months and the paid items still look like negative entries.
It just seems to me that if you try and make right on the negative it still remains for 7 years as a negative. May as well not pay it and wait for it to expire.
I will be glad to scan a copy of my report for your review so I can get the most accurate advice.

Thank You,
Live Human
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majors@oskie.com / to Live Human / show details / May 17
You should have a name phone number or address to contact the verified account with the origianl creditor. Use those to contact that creditor to get a paid in full or out of date.
Just mail letter again using the same method.
The zero balance does hel even though the account shows late payments. So paying always helps your score in the long run

I have applied for credit with a bank & have been turned down due to a couple of things listed on my report. They are medical expenses that were unfortunately turned over for collection while I waited for insurance to pay the potion they owed. The balance owed by me was paid shortly after. How do I go about getting this off my credit report ? Please respond to
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If the accounts show up as unpaid, dispute them as paid in full.
Use the dispute form on my website.

Is a collection agency allowed to access my credit report?

Is a private loan collection agency permitted to access my credit report without permission? What are the rules?
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"majors@oskie.com" / to rick / show details / May 17
No they are not.
Unless you are intending to borrow money they can not do that legally.
I would ask for total removal of any bad marks or face problems from the ftc on the fair credit reporting act.

Dispute not responded to on collection. Get it off my credit report

I have come across your Website and I would like to ask you a question about Collection. I had cleaned up a collection I had on my credit report. I disputed with the credit reporting agencies, (Experian, Equifax and TransUnion). After the 30-45 day waiting period the collection and or Creditor did not respond to the dispute, therefore it was removed from my credit reports. All that happened in October 2006.
Cavalry (http://www.cavalryportfolioservices.com/) stating that they purchased that Account from Sprint PCS, which is the one that was removed 6 months prior by not responding to the dispute.

Is it legal that they can do that? Can you please advise me on how to proceed? Is that common that they just keep sending and or selling that account around for years to come?

I greatly appreciate you help and service.
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Subject: Re: Removed Prior Collection

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

Have em validate the debt.
Most times this makes the rats hide in the basement.
------------------------------
Thank you for the info you have given me on validation. I have sent them the validation request letter certified. I have not received any info from them so far and it’s been 40 days now. Do I need to contact them again to asked them to remove that item form my reports?

I really appreciate your help on that matter.
---------------------------------
You need to follow up for sure.
I would call and verify they are working on it.

Is it possible to remove a judgement feom creditreport after settlement of debt.
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"majors@oskie.com" / to dennis / show details / May 14
In most cases NO
One has to negotiate before paying. And with a Judgement negotiation was tried and they had to sue and you lost in a court of law.
IT would be best to just move on with new good credit. In two years, if you are stout, the judgement will not affect your score much.
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"majors@oskie.com" / to Need Judgement Removed from credit report / May 14
Judements are also matters of law and once written it is over as far as that goes.

Medical bills

I am working on fixing my credit myself. Almost all my bad credit is from medical bills totalling $2,500. I plan on paying these off like you advise. I currently have 2 credit cards and plan on getting another to get new rated credit as you advised. My only question on this is where you say to keep them under 30%. Do you mean carrying a balance of more than 30% is bad because I always pay my balance in full every month so does the 30% rule still apply to me if I max out the card but then pay it off before the due date each month. Any advise would be greatly appreciated.

Forever in your debt,
Fix Credit Myself
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"majors@oskie.com" / to fix my credit my self / show details / 7:39 am
When ever you max out the card your score goes down and when you pay it your score goes back up. You just don't check your report each time to see.
I would ask the card to raise my credit limit so it did not need to get maxed out.
This is not bad really but make sure if you go to get credit you have paid that one down to less than 30% and you will be OK.

I have a Sears Credit Card account. This account is 16 months old and currently shows in my credit report "closed by creditor" for about 8 months now. I entered into a repayment plan that is automatically deducted from my checking account each month, and have paid them ontime since the account was closed 8 months ago.My Trans Union score is a 642.

I am currently caught up according to Sears and the Sears Card Reps from Citibank are constantly calling to get me to reopen my Card. I spoke with a citibank rep and one thing he told me was that he showed lates on the Sears card in his system. My concern is my Transunion credit report has not reported any lates (0x30,60,90,120) for my sears card at all. Will reopening my account affect my credit score negatively? If I do reopen the account could the new reporting to the credit bureaus activate my account showing lates on it? Is having a "closed by creditor" and paying a card off better on a credit report than paying off an active account with lates recorded? My goal is to get to a credit score of at least a 680. Thank you for any information that you can give me for this situation, it is greatly appreciated.
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"majors@oskie.com" / to Person who needs more credit / 9:45 pm (0 minutes ago)
The best bet is to re open the credit card
i doubt any more or other lates will show if you do so and you need good open credit at least one year on the books.
The system mean sears not a bureau. I think.

I paid a lien. How can I get it off my credit report? I need it deleted.

I have recently paid off a lien on my credit report.
I now need the item deleted off of my credit report now.
What is the quickest way to do so?
Thank you in advance.
Paid Lein. Get it off my credit report
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majors@oskie.com / to Paid Lein. Get it off my credit report / 10:47 pm (10 hours ago)
Use my free dispute form and say lien no longer valid please remove.

Bo,
I have a $7,800 collection first reported on Feb. 2003. The collection co. hasn't given up on collecting, but I haven't paid them and would like to avoid paying if possible. I still receive a phone call or form letter every few months, but I've never answered them or acknowledged them on the phone. I was wondering if this will come off of my credit reports on Feb. 2010? Do I have to take any special action? Is there anything the collection co. can do to keep it on there, like sell it to another co, for instance? Anything else I should know? Also, if I do end up in negotiations with the company, how much should I offer to pay and how do I ensure that they will remove the record from my report? -- Best Regards,
Collection company is contacting me Person
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majors@oskie.com / to Collection Company Is Contacting Me/
What was the collection for?Is there another entry is yes above?There is a distinctly high chance for some other action is possible by the collector because as you state they are able to contact you: 1 Suit? 2 Re Date like you state by selling to another collector or small claim
Not talking to them might work but I would rather pay them and negotiate if at all possible, especially if, the collection is a result of inablity to pay something I signed up for and agreed to pay in the first place.

One thing I need to address is that more often than not good credit is a direct result of stable workable income. If I can not pay what can I do?

Credit card company will not take the late payment marks off my report.

Hello,
My name is "Fix My Credit Report" and I came across your web site which by the way I think has an amazing amount of information that I have found to be very use full. I did however have a few questions for you. I went from having perfect credit to not so perfect credit when I got unengaged. Right now all my credit card bills are payed off but when I called my credit card company's to see if they would take these things off my report they said no. I am also having trouble establishing new credit. I have 1 credit card now that I pay on time, my car loans etc are all payed on time, but I need to know how to up my credit rating at a pretty fast rate. Any advice?
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Bo Majors / to Need better credit / show details / May 10
We must have 1 year of open and good credit. Better to have 2 years from today back.
Must haves'
Everything thing else seems ok
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Fix My Credit Report please / to me / show details / May 10
Thanks so much for getting back to me so soon. So even if just 1 credit card it will be ok. Does it look bad to have those accounts that were payed in full but closed? And is there anything else I Can do to build more credit faster?
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Bo Majors / to Fix my credit report / show details / May 10
We all need 3 good open lines of credit to keep good scores.
The paid off accounts dont hurt but don't help either.

If I close accounts can I raise my credit score

Is it true that if I close out accounts which have been paid in full that my credit score will go down? I was told by a local bank just that. I have several accounts which I have paid in full and I am afraid to close them out. My present credit score is 797, which is not bad, but I would love to have it jump to 850 if I can. Please advise how I can accomplish my goal.

Thank you,

Live human being
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Bo Majors / to Perfect credit score and wants it better / May 10
It is somewhat embarrassing to answer questions from a 797.
Find some other project as this one is not in need of tending.

Should I accept a settlement on a bad credit account.

Hi Bo,
I would like to ask a question if I may, I was just recently offered a settlement of $4500.00. The balance is 9690. Would you consider this a good settlement.
I also tried many times to ask them if they could delete all negative information, and or mark as paid. They advised they can only say
Settled in Full.
Please advise.
As Always thank you
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Bo Majors / to Should I accept a settlement / show details / May 9
Sounds like a good deal. I would take them up on it an go on with my life if I could pay that amount.
Make sure you keep open 3 rated lines of credit. One year from now and your score will jump.
Your score will also jump on settlement as you will have moved from 100% debt ratio ot zero on that account.

My credit score dropped 100 points and I cannot qualify for low interest home loan.

HELLO, BO
I came across your website, and was interested in alot that was said on there. In April I had my report pulled by a Mortgage company. At that time my credit was 670. When it was sent to the bank it went down all most 100 points. I have a credit card company that reported me late in April and in May. Which is not true, But of course they are not going to change the information. Also at the same time. There was a collection agency that had a Hospital bill that was my daughters. I was paying on the bill but not to there expectation so they sent it to the credit agency. I called them and did go ahead and paid it in full. But they are still reporting it has not paid. This is getting so old. And I have to get this cleared up fast. Do to getting it to raise so much to be able to get the loan that we need.
Thank You,
Live Human Being who needs credit fixed.
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"majors@oskie.com" / to Fix Credit Fast Need Home Loan / show details / 5:14 pm
If you are late RIGHT NOW on anything when you pull your credit the score can drop 100 points.
Use the debt validation letter on the collector
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
See if they can meet all these requirements legally. If not they have to take it off.
Plus once you they accept a payments plan they cannot take you to court as they accepted another amount. They can report you to bureaus. But you have some leverage on getting the account removed and I would try to use some.
As far as the credit cards go....it sounds as if you have already done the right thing to no avail.
I would still try though. Might Dispute the items as incorrect reporting never late.
Use the dispute form on my website

My mom had a new roof put on her house and she used home depot credit. The cost was 27,000. She put my husband and me on the account as authorize users. She did this without our consent. We are currently in a legal battle with her so communication with her is not possible. Now this debt of 27,000 shows up on our credit report. I called home depot and told them that we do not want to be on the account and we did not consent to be authorized users. They removed us as authorized users. How do I get this amount off our credit reports? Any advice you can offer will be greatly appreciated.

Sincerely, Real lIve Human
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Bo Majors / Live Human / Show details / May 8
Who is reporting it on your credit report.
Contact them. Home Depot i guess
Use my dispute form for errors.
http://www.oskie.com/credit-dispute.htm
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Settled debt still reported as bad on my report

I would like to know. If the original creditors decide to settled with you and sign an agreement. Can the credit companys continue to report the debt, or is that illegal or against fcra laws.

Sincerely
Someone with some bad debts!
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Bo Majors / someone with bad debts / show details / May 7

They update the account to show paid in full.
The paid contract not as agreed with bad credit stays on your credit report for 7 years unless negotiated. Really hurts your credit for 2 years.

I've had Capital one and a First Premiere Credit card and have not been able to pay either off. My capital one is gone off of my credit report but I still have the other credit card balance on there. I am coming into a good amount of money and I want to fix my credit but I don't know what should be the main things to fix to at least raise my credit score. I want to buy my first home and get a good rate on it because of my credit but I don't really know how to go about doing so. I don't know if I will be able to pay everything on the report off like I want to because of other purchases I have to make like new home, buying a car and etc. I also have repo's on my credit for cars. Do I have to make sure smaller credit issues like verizon and comcast have to be off my credit report as well as the larger problems to raise my credit score?
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"majors@oskie.com" / to Live Human Being / show details / 8:13 am (0 minutes ago)
sounds like your a mess
the credit cards happen alot
What really looks bad is utitlities not paid on your report and repos meaning more than one.
whew.
Repos will take most credit opportunities away from you and collections for utilities show no stablity at all. How can someone be loan monies if they can not even pay utilities.
Most bad credit comes from lack of money or job problems so don't give up. We all have slick spots.
Pay the utitlities and try to repopen the same accounts and after 1 - 2 years call and beg them to remove the past lates.

You might dispute the repos and hope they fall off.

NEVER use capital one and pay them off for sure.

Go to my website to get the dispute form and start new credit form.

I would use some of my monies to pre pay on a credit card to get it opened with bad credit and try to get some good going, so the old bad looks just like that. OLD.