All 3 credit reports and scores

Hello Bo, I have ordered all 3 bureau reports and I have TU =596, EquiF =783 Exper= 541
from the credit bureaus and from Freecreditreport.com
I sent out my disputes for Experian and TU so they should be taking the old accounts off and other inaccuracies. When I went to apply for a loan they said I have no credit scores? The service was Credit Link, they say I have no Beacon, Fico or Empirica scores showing - Why? Any ideas why the CR
agencies have scored me but Citibank, WellsFargo and 5thThirdbank for a mortgage do not see a score for me?
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i cannot answer that question
all i know is you might not have any current rated credit

Re age credit card loan.

How effective is it to ask a credit card company to re-age your loan? Does it work? How fast will your credit score improve? Also I have a collection account that was paid to the original creditor but however the collection account updated and did not remove from my credit report. Although the original creditor explained to them to remove this letter. What is the next step?
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dispute the second collection. as you paid the orignal creditor
say not your account never heard of re aging a credit card loan
what do you mean
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Re-aging the credit card balance…the creditor
wiping away the late payments agreeing to a payment arrangement and allowing you to start fresh.
Will paying all credit balances to zero improve your score rapidly? If not how long does it normally take to get points back?
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this would be the fastest way
YES
one year later and some new current credit....your score would jump
everything is paid off and you have new credit
the reaging thing/\....
i do not know about that
seems strange
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OK, THANKS
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the reaging thing sounds good
Try that also. I cannot hurt.

Does your credit score go down when you apply for a credit card

Does your score go down when you apply for an credit card. Im trying to rebuild my credit and I have one credit card Orchard Bank the limit is 300 dollars so do I pay 290 on it and leave the 10 dollars as the remaining balance how much lower could I pay on an balance of 300 for an score increase. Also I had an credit card by first premier that was closed and I owe 470 do I write then an letter like you have on your webpage or do I go ahead and call them and see what they say. I want to reopen with them again
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When you apply, you get an inquiry. Inquiries reduce your score by 1 - 6 points. So no.
Pay the cedit card off, completely and add more money to it to get a higher credit limit. ]
300 is considered and thin credit record.
Thickin the file by maying more than you charge to raise your limit.
Call first premier and reopen that account. Pay that one off and add to it like above.

I have been offered a settlement. Should I take it or not

Ive been offered a settlement amount for a store card that is 85 days passed due. The bal owed is 1600.00 ruffly there offering me 1100 but will show legally settled for lesser amount and this was offered in a letter that they sent to me. Should I settle or wait until I could pay the full amount which by that time could be hundreds more I have to get back to them by the 17th of this month any information would really help.
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cost less
i would do cost less
your credit already has taken a hit
settlement does not change this fact much
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I was denied a mortgage because of a past collection

I recently got my credit report and saw derogatory information on it. I contacted the collection agencies (4) to be exact. These were not for substancial amounts of money but they were for accounts from a couple of years ago. I agreed to settle these debts and I am doing so as I write this. I am wondering if it is possible for me to get these collection accounts and derogatory statements off of my credit report in a timely fashion? Is there any type of letters that I can write (if you know of samples that would be great) and to who? I recently applied for a mortgage and because of these derogatorys I was denied. Any help will be greatly appreciated. I heard something about a deletion letter but what to write and to who I dont know. Also I had a bankruptcy 8 years ago and I asked verbally to the credit bueraus to have this removed but they gave the usual answer to me. Not for 10 years.I will anxiously await your email
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you should negotiate with the collection before you pay them. Ask them what you asked me. Can I get them removed. Some will some will not. NON will after you pay them. BUT if you pay them and wait a year or so, then you might dispute them and they might fall off. you just dispute the bk with the dispute form and hope
10 years is right on bk's in most states.
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How can I go about getting these Derogatorys removed along with the Bankrupcty? What type of letter should I write and whom should I send it to? Also do you know where I can obtain a sample copy of the letter I need to write?
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you cant just magically have these removed
you have to work and negotiate
i sent you a link with a good negotiation approach
you send it to bad accounts on your credit
there is no perfect answer or letter
re establish new good credit
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I have 22 inquiries on my report. How do I remove them

how can i get the inquiries off my credit report?
for each one aint that about 6 or 7 points for each one?
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not if the inquiry was for the same thing
if you inquired about the same loan 5 times. that would be about 6 points for all 5
any inquiries over one year old do not really count at all
so can you give more info as too how many and how old and what for.
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i have 22 inquiries from 10/31/06 to 6/5/08
i have my car purchase on there and a few credit cards i applied for but rest i dont know what they are.
thanks
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so you have your report from the bureaus
and you do not know what thise inquiries areand the addresses on thew inquiries are not yours
http://www.oskie.com.credit-dispute.htm/
say not yours
someone is defrauding me they are your addresses you just dont know or care or remember
say the same thing and hope you get lucky most bureaus look down on inquiry disoputes
so not your address really works best
even if you moved
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ok,i have 1 more question,i have things on report from like 2001 some good ,some bad .should i try to have them removed?
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dispute them as not YOURS
hope and pray
many older acounts get less attention
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trying to get an address, even a phone number where someone will answer

I have tried, since May, 2008, to get any response from the collection agency ALLIANCEONE INC. I have been trying to get an address, even a phone number where someone will answer, return my call or even send a response letter, anything…to be able to pay off a collection debt that was discovered when I received a copy of my credit report(s). I discovered a phone number/address for ALLIANCEONE INC., in Vancouver, WA, at 1200 Franklin. This turned out to be the city’s Court House. We’ve tried for months to get any response, find a phone number where someone will answer or even return my call, or get a current address of where to send the pay off for a credit report debt. Can you help? I live in Longview, WA, and need a local (NW states) address and phone number for ALLIANCEONE INC.
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heck
dispute that account with the three bureaus
check NOT MY ACCOUNT then you will get a response
OR
better yet it will fall off

Improving my credit and my husbands credit.

I am in desperate need of improving mine and my husbands credit score. Could you please give me a little direction on what I should include in any dispute letters and what i need to include to show that we have paid off most of the debts and would like them removed? Also, do you know whether i should send to all three credit bureaus or just transunion? I am very young and need a lot of advice. If you have time I would grealty appreciate any advice you can offer.

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I would just dispute them as paid

send copies of your drivers license and utility bill for indentity proof.

if you have documents you can make copies and send them with the disputes.

If the accounts are only on transunion.

That is the only place you should send the disputes.

I assume you have looked at all three reports
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validation letter and have not heard from the companies at all

I have contacted you in the past in regards to my credit. I did a validation letter and have not heard from the companies at all. I am now doing my Debt Validation Follow up. Once this is done I contact the BBB, State consumer affairs, state attorney general, take them to court.
How long before I do those things and do I contact every one of them and how do I still get this off my credit report when this is all done? I have no problem paying them but I want better credit also and they are killing me with the negative parts of this.
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Have you disputed these accounts also
If they do not answer. Usually you can dispute them with the bureaus and they will fall right off.
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I have not disputed these yet. Do I send them all the information I have sent the companies? Also the link you sent didn't work.
Thank you again for all your help. I am sure I will be back for future issues. But you have been a great help
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www.oskie.com/credit-dispute.htm
Just read instructions and check no mine. dispute with the bureaus only for now.
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Okay will be doing that today then.
If these come back from BBB with a response then what is my next process. I have been on top of this and want to keep the process going. Thanks again you have been a lot of help.
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from the bureaus
http://www.oskie.com/transunion.htm
the addresses are on the form not the bbb see what happens
then maybe file a complaint

Authorized user getting collection on my husbands account

My husband added my name as a joint or authorized user on an acct. without my knowledge or consent and then at some point he let the acct go to into collections. Now this is reported on my credit report. Is there any way I can have this removed from my credit report?
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I do not have a perfect answer
I would dispute the account as not mine with the bureaus then dispute them with the collection companies then validate the collections looking for your signature
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I have already filed a dispute with all three bureaus and am hoping for a positive outcome. However I contacted the lender today and they said that I was just as libel for this acct. even though I never signed for this credit card. Again I didn’t have a card for this acct. or access to the monies from it. It is my contention that both parties should have to sign if they are equally libel. If I go to my local bank and apply for access to 5000.00 dollars and I became delinquent they would not report my negative payment history on my husbands credit unless he signed to make it a joint loan. I have also looked into filing a complaint with the OCC who investigate practices by national banks. Do you think I should hold up on filing a complaint with them until I see if the bank responds to the dispute.
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I would wait and see
but if you called ... i would expect it to be verified... I do not know the law here.... try this place
see what they say...
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I am a divorcee of two years. Right after the divorce,

I am a divorcee of two years. Right after the divorce, my ex bought up a new car and other things on his own. He then filed for Bankrupty 3 or 4 four months later. I got a CC in my name(right before divorce) in my married name not maiden, because the divorce wasn't final. Now I go to change it over to my maiden name and a balance xfer, I get a letter stating that my Int rate is goin up to 24% The CC co said it was becuse of my EX's Bankruptcy. HOW DOES HIS BANKRUPTCY AFTER OUR DIVORCE AFFECT MY CREDIT?
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credit card companies have crazy rules
since the divorce was no through? sounds like a credit card compnay to me
All I can say is try to open another account with another card
then transfer the balance.
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