my 3 in 1 credit report has accounts I do not recognize.

I just got my 3-in-1 Credit Reports and Scores. I don't recognize half of the items on each one! Will it lower my Credit Score if I Dispute multiple items on my Credit Reports? Thank you,
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no i would dispute anything that is not familiar

Credit Fico beacon score is different at all three bureaus. WHY?

My credit score on TransU is 782, Experian 840, but on Equafax it's only 672. Why so much difference and how can I raise the Equifax FICO score?
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I would have to see the reports

I would assume the Equifax has somthing on it the others do not
proabably a brand new account, an overutilized credit card or a collection. Do you see in diferences in the reports?
or did you get a 3 in 1 report. it is best to have a report from each bureau then check each for differences when you have report that shows a much different score. the 782 and 840 are close but different enough to want to know.....100 points is a drastic difference though huh?

I am not sure how I can fix my credit score. Paid Collection cell phone court

Im not sure how I can fix my credit score. I currently have paid off all my bills and collection fees. Really the only thing I haven't paid for was a few cell phones that I naiively opened under my name. I am now having to take these people to court. I paid everything off but I saw no changes in my score. I was denied cable and cell phone service. But have my power, water, gas, and rent all under my name with no problem. I don't understand, seeing that I just paid all these bills off after the fact? Help, any advice would be greatly appreciated.
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BECAUSE
paying off collections is not good credit....... you have to have good current credit
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm
I must have at least 3 reported credit lines or personal loans that are current the past two years) and rated (open at least 12 months). This is the very best way to raise a credit score 50 -250 points over no more than a 2 year period and sometimes in as little as 6 months. it is that simple
you have no good rated lines of reported good credit
all you have done is paid off collections.paid off collections is just that. paid off bad credit. get new good credit use this
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card.
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Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

How much do paid collection over 12 months and 24 months hurt your credit scor

I have two collection accounts($268 phone bill and $58 insurance bill) that will be still listed on my report when I apply for a home loan next year. They have been paid in full. The newest one will be about 14 months old paid and the other one will be just outside of the 24 months paid time frame you always mention in your blogs. Each collection account is approximately how many points off of your credit score? I know it depends on the age of the account. 10 to 50, 50 to 100, 100-250 points? What are the deciding factors? You said outside of 24 months very few points but what about less than the 24 month period.
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i would say about 25 points for one paid collection that is more than 12 months old
if it were less than 12 months and unpaid probably 50 points this is assuming a lot though assuming you have several lines of credit that are less than 79 balance to high credit ratio
and all are more than 12 months old.
and your score is higher than 600 if ones score is less than 600 it would not hurt your score much
there is really no absolute definition to your question. plus i cannot read your report
if i could look at it i might be of more help
each report is unique
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Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

What is a totally free credit report and what about my credit score

hi bo, i am a senior citizen and desparately need to know how to get my credit reports asap. i am not computer savvy and have also been told not to use the internet to obtain these from the 3 agencies. there are some errors reported by 2 banks which have seriously altered my fico. don't even know how i stumbled across your website . was using another computer,and now that i have returned home, decided to try to e-mail you for info. i need to correct this immediately. have tried phone but can't get a live human. HELP! thanks
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you can mail this free credit report form next day air
but to get your score you really need to use the computer and a credit card with visa, master card, discover or american express as the issuer using your credit card ensures you have some safety really
the card issuer assume some responsibilty as far as fraud and theft. AND you really need all three scores at each bureau I would assumethe scores is where the free stuff gets quirky.
there are really NO free scores. UNLESS you get monitoring with a company that sells monitoring and, the scores come with the report you get for free, with the monitoring.many of these companies make it more enticing by saying free if you cancel in so many days and they hide the so many days as far down as they can. this is what i do.i get the 3 reports and 3 scores online and cancel right then.
while i am still thinking about it and in the same place. NOW if you want to dispute some errors.
you can and should do that with this form, right now, by certified delivery mail.
use the addresses on the page you print for transunion, experian, equifax.

Credit Card Charge-Off Negotiation

I have tried to keep up with credit card payments; however, I have 1 charge-off and 1 collection forwhich I am seeking removal.
I called US Bank to ask if they would erase my charge-off if I paid the balance in full. I told them that prior to an emergency I had honored my commitment to US Bank, but that I had a family emergency that required me to give up my career and relocate overnight.
I was told by a US Bank Recovery Managerthat due to US Bank's agreement with the credit bureaus it could not remove the negative item and that it would only state that it was paid in full.
To request reconsideration I am going to send a letter using your format detailing my family situation and stating that am trying to get back on my feet. Should this not work, what do you suggest? Should I write the CEO, or is there another way? Am trying to get my career back and don't want to be turned down on a job offer b/c of my credit score. Are there any services out there that negotiate pay for delete?
What does paid in full do anyway?
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paid in full helps ALOT over time
say 1 to 2 years
i would go with that
and establish new good credit

Insurance premiums are going up each year because of my credit score

I recently received my automobile insurance bill and home owners bill from the Hartford insurance company. I have been with this company for 4 or 5 years now.
Each year my insurance keeps increasing and they say it is due to my credit, they claim that I need 40 years of credit history. There are to many people looking at my account, to many credit cards, etc.
I have one credit card, one car payment and one mortgage payment. My wife and I have a large money market account and a large IRA fund built up. We pay an additional $300 dollars per month to the principal on our mortgage.
I have never heard of such garbage.
My credit is impeccable, I have never declared bankruptcy and my credit score last time I checked was 780. I am told that is a good score.
I actually purchased this insurance through AARP, so assumed it was an honest company, now I think the reason my rates keep going up are because of my age.
I am 67 years old, I am sure the company would not want to fall into an age discrimination law suit if they told me the truth.
I have never collected on either policy, have never had an accident or any tickets.
Should I start looking for another insurance company or is this something that there is an answer for to reduce my insurance premiums?
It certainly is not my credit that is making my premiums rise.
I wish to thank you in advance for your response.
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That sounds like you are right spot on.
I do not see that I could help any further as you know what is going on.

i would suggest maybe talking to the bbb or ftc or even your state attorney general about untruthfulness.
there has to be some accountability here. So put their feet to the fire if you can.

Had items deleted from credit report. Need check score to see if it goes up

I have had several items deleted from my report,will I have to purchase a credit score to see if it has gone up ? Or can I get it for free and where?
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get a free score here if you cancel in less than 7 days
it is the only way to get a free score
scores are never free unless done like this

Macy's charge off credit card did not change last name.

In 2004 I returned to my maiden name. All credit card companies promptly changed my last name per my request except one: Macy’s. A year and a half ago I had moved and informed Macy’s, but they still did not change my address (and subsequently my last name). I apparently had a small balance (less than $100) on the account which I had thought was paid off, but because the last name was not current the post office did not forward any bills. 6 months later I received a call from Macy’s wanting a payment, which had now doubled due to late fees. I immediately paid over the phone, but for some reason it did not go thru, nor did Macy’s return the call to inform me so my account continued to be delinquent. I checked the account online out of curiosity a month or so later and saw the balance and promptly mailed a payment this time by check. I also wrote to Macy’s informing them of their incorrect name and address and that being to reason as to the delinquent payment, and asked to close the account. This has hurt my credit score and I was wondering if there was any way to rectify this problem. Will adding a comment help?
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all of the reasons do not fly
last name and did not forward because of last name change and move


you already paid
when you pay before negotiating the account stays on your report
get new good credit and forget abot past old bad credit

you did what i would do and that is pay and go on with your life

College discover card and master card maxed out. Remove fix clean delete late payments raise credit score

In college i was given a discover and Mastercard that i maxed out and eventually had serveral late payments. After graduating I was able to pay off both of the cards. During college i closed both of the cards, thinking that it would help me. In 2006 my credit report showed that both cards were paid in full. I thought that i needed to establish good credit by getting a new credit card. The only company that approved me was capital one. I have been paying all of my bills ontime, but my credit still lingers around 640. What should i do to increase my credit. Currently i have a balance on my capital one card. Also, is there anything that i could do to have the late payments removed from my credit report -i.e. discover and mastercard? Should i open the discover card account - which is my oldest account - and have my balance transfered from capital one? Please help! Also, I have amortgage and two other credit cards open which are in good standing. My goal is to hopefully have a minimum credit score of 750 in the near future
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if you had late payments and paid something off before negotiating you cannot help your report.
Unless
I re open one of those same accounts, pay good 1 year, then ask for removal of old lates.

get 3 open rated accounts with no past lates, drop balances on credit limits to less than 80% of maximum.

shoot for 700-720

Be told not to pay off collections it could hurt my score.

I have two items in collections. I have had people tell me not to pay them off because it wont help my credit. They are already 3 years old and they said that by paying them it will only make it worse because they will turn into a current delinquency. I am trying to raise my credit score and since three years ago when I got in this mess I have closed credit card accounts, paid off loans, and gotten the remaining balances down… the only thing left to do is to decided whether or not to pay the collection accounts. Do you think I should?? And will it help my credit score?? If so how soon will I see the results?? And how much will it help??
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Negotiate before you pay, to have it removed, if you pay in full.
If not pay it anyway, but ask to no activity date change only a paid in full.
It always helps in the long run to pay off stuff.
keep new good credit open.

My credit score went down when I paid a collection

On 6-7-07 my score was 650 that same month Capital One raised mycredit limit from $300 to $1,800 (%18) as well as Washington Mutual approved me for an $8,000 card (%9). I have a secured loan for a boat and have never been late. There are two vehicle payoffs paid never late since 2003. Now 10-10-07 my score is 642. I thought I was doing great until I paid $200 on a $3,000 medical collection that was never on my credit but now is ( I was alerted today 10-11-07 of this new entry to my credit). I never thought apayment would have such a negative impact on my credit.
My question: Since I have all but this one huge medical bill and the others were paid between 20 and 65 days ago would it help to file a dispute withthe CA's in hopes of getting these collections updated to paid status any faster? It's now mid October and I had planned on making a vehicle purchase in December of $30,000 with about $8,000 down and am afraid that since my credit appears to be collapsing I'm going to either not get approved or get approved with a high interest rate. I have approximately $1,800 a month of disposable income. Normally I would wait on a vehicle but due to a manufacture change I am running out of time to buy this particular vehicle type.
WaMu- $8,000 limit with $5,200 balance
Cap One- $1,800 limit $1,000 balance
Vehicle 1 payoff 2003
Vehicle 2 payoff 7-2007
Boat - paying since 4-2006 never late
Truck to pull boat - on wish list
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Bo
One should validate and negotiate before they pay.
call the collections agency and talk to them.
ask for no new dates at least. totally removal if you pay in full now.
you have enough money to do it. Once a person pays on a debt, they validate the debt themselves.

I would rather close cap one (had problems with reporting maxed out all the time) if it is over 1 year old.
get one if these credit cards instead.
they will not help until 1 year passes.

the interest rate difference from 650 - 620 is not more than 1% if you have 5000.00 down on most car loans. Do you have a credit union. sometimes all collections have to be paid with credit unions. Credit Unions provide very competitive rates.

Even though your score went down right now it will go back up soon if you keep good current credit going.

What do you think about these credit cleaning attorney online companies like creditbureauexperts.com, or .lexingtonlaw.com. Those are just two that came up on my search engine. I stopped paying my credit cards about 5 years ago, I currently have one credit card company pursing my account in court, trying to garnish my wages etc. I have no income, no job, no assets, I am a full-time mom and full-time student, unmarried. what is the best route for me to take as far as cleaning up my credit. I would like to be able to buy a car and maybe a house someday with good credit, or at least get approved to get a cell phone contract or little things like that. I have some funds to "negotiate" with the creditors to pay off my debt, and or pay a credit clean up company.what do you think?
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no income and no job means forget about credit. You couldnt pay if you wanted to.

Impoved credit score. Max out credit card. Debt Ratio. Credit score

I have improved my credit score to 695 (from 648) a year ago. I am need to make a big purchase (necessity) and need to use my credit card to do so. I have the choice of either maxing it out or just staying about $300 - $500 below the credit limit. Will there be adifference? I will be paying this off within a year but how far down do you think my credit score will drop? This will also affect my husband's score and his is lower than mine (around 665). I'm so bummed but there's no other choice.
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Your score could drop 20 points if you do not have much credit out there.

When or if you max a credit card out then, get it lower than 80% to high credit limit as fast a possible and no harm will be done.
Once you pay it down to less than 80% your score will be as good as it was before you had a debt ratio problem with that credit card as long as no other things changed.
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Debt to High Credit Ratio
(how much you owe on one line of credit to your credit limit) Counted on credit score<
is different from

Debt to Income Ratio
(oustanding monthly bills to monthly income) NOT counted on credit score
but is counted by lenders as ability to pay. Normally less than 45% is what a lender has to go by. If you have more than 45% bills to income you can be turned down.

New Fico credit score rules.

Since the model is a complete secret, here at Credit Line we do not know what is going to happen to your credit score and how it is going to be affected. However, we do have some information from the Fair Isaac Corporation:
1) Authorized Users are no longer going to be counted in your FICO Score.
2) Length of credit history is not going to play as large a role as it does now.
3) Payment history is going to be weighted more than it is now.
4) Right now, FICO divides the population into 10 segments and applies a different formula to each segment. People without serious credit issues fall into 8 segments, and those with serious issues fall into the remaining 2 segments. In September, this is going to change to 12 segments, with 8 segments for good credit history, and 4 for bad credit history.
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They are saying you cannot piggy back to better credit now
Seldom used credit help technique where one person is assigned an "authorized user" on anothers credit card. They new person gets instant good credit of the pig's past good credit.

And really they should do this. One should not get good credit for doing nothing.

Affects very few people. Mostly children and such. But has been abused.

Do you have any authorized users on any of your credit cards?
If there were, then this would affect them.

Inquiry on my credit report. How much does it hurt my score.

I opened a new bank account and the bank mistakenly sent me a new credt card even though I emphasized that I did not want one. Since I had not submitted enough financial information, the application for the card I didn't want was not approved for use and now shows up as an inquirey. I did not attemt to activate or use the card. How much does this inquiry affect my score? How can I get it erased from my record? Experian does not seem to offer a mailing address for disputes and seems to require one of their reports vs. a 3 in 1 from another agency (Equifax).
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Inquries do not really hurt score unless you pile on about 20 or something.
Most inquires cannot be removed and they are not worth troubling yourself over.
You can try to dispute them with this form. Credit Dispute Form
1-5 inquiries have no efffect. 5-20 probably about 5-20 points max.

If I pay off my credit cards how much will my score go up.

I have two credit cards that need to be paid off. The amount is about 700 dollars. How long will it take for my credit score to go up after I pay those off?
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30 days or less if they are maxed and at least 1 year old
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Do you know how many points it will increase? If its about 2 cc with about 400 each.
Thanks. Those are the only bad cc I have on my credit and they messed up my credit. I had some other ones on my credit report about 3 years ago, but I paid them off.
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I don't know your score now.
Do you?
Do you have 3 open lines of credit now, that are at least 1-2 years old and with no late payments in the 1-2 year period?
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My score now for TransUnion is 579, experian 548 and equifax is 579. I still have 2 credit cards that I need to pay on which I am going to do this month. I have a car loan that I pay on I had one late payment. I have a store card that I always pay on time, and a student loan that I will start paying soon. The 2 credit Cards I think are killing me. One is capital one and one is a store charge card. I called to pay them off, and they told me they were going bankrupt so now they are trying to collect.
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Pay any collection or charge off after negotiation. Reopen same accounts if possible buy sending in up front payment so they trust you. Make sure the report to bureaus.You need three open reported lines of credit
Make sure balances are less than 80% of limit.
Close capital one and get another card here.
Credit Cards for new good credit
Make on time payments for 1 to 2 years and your score will go to 700
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Thank you so much! I have one more question for now. If I try to open one of these credit cards at credit.com will it take away from my credit that I do have?
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No it will not.

Get all 3 credit scores at one place for less

I’m having a really difficult time getting my credit score from Equifax. I was able to get my score from TransUnion with no problem ($7.95) but I can’t seem to figure out Equifax without joining some program for $89.98.
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Get this Credit Offer
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You have already done more than most people
pay revovling credit down to less than 80%
keep 3 lines of good credit open for at least 1 and 2 is bestnegotiate anything you can.
Get bad credit removed
Dispute anything that doesn't look right. too old, extra extra
Universal Credit Dispute Form
My first credit help thing i did was pay off then reopen a BP Oil credit card. I sent them a downpayment to reopen the paid charge off acount. After one year I asked them to take off the bad charged off mark. They did.

Negotiate and paid will it help my score and how much

I’ve negotiated and paid off 3 credit cards that went to collections in the span of a month in a half. Will that help my score?
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Sure will. Your credit report score will raise 10 - 80 points fast.
More if you re open these accounts and a year from now you call and get the old lates removed.

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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