Advice on how to get my credit report better

I have been reading your blog recently and wanted some (non-legal) advice on how to get my credit report better. I have some old judgements from 2002-2003 and several medical collections (some duplicates) that are showing up. I have been paying cash instead of using my credit for several years now but would like to get back in the "game" asap. I do not want to file a bk to erase all this stuff considering the 7 year mark is approaching next year on the judgements. Can you make any suggestions on what I should do to get my scores and history strongly established asap.I plan on buying a car in a few months and a home in the next year/18 months, what can I do now to getthe ball rolling??
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Dispute the Duplicates http://www.oskie.com/credit-dispute.htm
Of course use your credit card that reports to a bureau or bureaus you can not file bankruptcy on past juudgments anyway....... you will want to have 3 lines of credit so if you can try to open more gas cards. credit cards
use them sparingly and pay them of each month
send in a downpayment to make sure you get approved
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So basically... Dispute the Derog Duplicates and open a handful of secured credit cards??
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Yes
one point would be to try and get one of those cards to raise your credit limit as much as possible some times lenders will turn you down if you do not have a STRONG history.
This can happen even i your credit score shows a 720+. Which sometimes it will and you will only have 2 lines of credit with a 500 and 300 high credit limit. Think about it. Why would someone lend 75000 dollars to a consumer who only has a high credit limit of 500.
They will call your credit file thin.
So try anything possible to get your credit limit on at least one line of credit as HIGH as possible.
This shows stability. Dispute the derogatory and hope for the best. If they have already been paid the chances are no very good that a creditor will take it off voluntarily
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Cool.. good point regarding the THIN credit profiile! I can only afford a couple of hundred dollars per secured card that I open, so I see the issues. How about adding myself as an Authorized User to beef up the history???
I know fico has made scoring adjustments but will doing so help out.
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They have deleted that aspect
but
it can never hurt to try
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Whoa.. I thought they just stopped scoring for it!
I will try to get a legitimate high score on my ownbut credit depth is what I am looking for with Auth. User.
am I wrong with this thinking?
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supposedly you are but try anyway
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List of letters to contact the credit agencies and Collections

i would like to start to repair my credit i would like to know if you have a list of letters and when to use them to contact the various credit agencies as well as the in debtors all you help will be most appreciated
respectfully yours
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http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm

Experian says they have already investigated and verified its accuracy

Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?

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send the dispute to to charter and the CA

Experian says they have already investigated and verified its accuracy

Thanks in advance.In a phone conversation with Bank of America I was shocked to learn that some collection agency has me owing someone $365.00 from 2005 that has not been paid.Otherwise I am blemish free, but this black mark has by score at 676. I know my score was 720 in Jan 08.I feel sure this is the work of my ex-wife.How do I pay the bill & get rid of black mark?
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dispute it as not yours
if they find it is
legally validate the debt
if they can do that
negotiate to pay if they will remove it you need to know if they have your signature and legal chain of ownership
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Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?
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Capital One Credit Card account not reported to bureau

I have an account with Capital one I've had the account since Feburary 2, 2007 .Ive been told that the account was closed each time I try to get infomation I am put off ,because I know that it isnt been reported to your company or the other two (account number is
3243008-2001) I found out that it wasnt being reported when I tried to trade the car I was told that a bank would not help me because of that, Please help me soon.
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my name is bo majors
i operate a credit help webpage
i am not a bureau or capital one the only way to have something reported to a bureau
is through a creditor sucn as a credit card company
so you have to mediate through cap one

Use these credit cards to improve your credit score

How much will my credit score go up after inquiry falls off that is 2 years old

Does my Credit Score go up after an inquiry is removed from my Credit Report after two years?
P.S. I followed your advice to the letter from your website about raising my Credit Scores Fast and thanks to you my Credit Scores went up more than 100 points each! I am well on my way to purchaing my very first home!
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after 2 years?
probably nothing will change on your score.

Inquiries afftect your score almost none after 1 year anyway.