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

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

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.

3 in 1 credit report has descrepanicies

My fiancee and I recently pulled up his 3-in-1 credit report and noticed discrepancies on all bureau but mostly on the Experian Credit Bureau.
We called all agencies listed on the report and they verified that although it was the same name the accounts had different social numbers and mailing addresses.
When I spoke to a representative of one of the listed agencies, he stated that Experian goes first by name, then address and then social security number.
Is that true?
If so, how is that fair to the millions of people that share the same name?
Also I read on your blog that you should write about 4 accts at a time, well we are dealing with about 11!!!! 11 mistakes from Experian, all already confirmed by the collection agencies, which also stated it wasn't rare of Experian to mix identities up.
Also when you state on your blog to send a copy of the credit report, is it the whole 12 pages or just the part in concern (may sound like a silly question but want to do this right), and the credit report shows each item with each credit bureau right next to each other.
If I send a dispute item to Experian, should I covered the report from TransUnion and Equifax about such item, or doesn't really matter? Thank you so much!!!!!
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no
send just the part that shows descrepancies and circle what is wrong
send them 4 at a time anyway.
you can send 3 sets of 4 if you like. one has to dispute with each bureau seperately as no bureau, ask the other, for information
they are independant of each other

I recieved a report from a credit card I was applying for

What happened then turn crazy I tried every way I could to get someone at Experian to talk to me in real time. Instead they wanted all the information in punch line over the phone. Not one question they could of asked me would have fit my question because, the verycard I had applied for decline me because get this: NO CREDIT RECORD AVAILABELE. Now you see why I can't get through to any body at this credit site that will not even talk to me
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http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm

The collection agency and the orginator never notified me of my requirment

I sent the attached debt validation letter to an agency. The collection agency and the orginator never notified me of my requirment to pay this debt. I was never sent a letter or notice. When I sent the letter to negotiate with the orignator they said they showed I owed the money. They did not have any documentation that I did not pay or for the book. They said they had the incorrect address and when it came back to them they just sent the account to collections without trying to find out another address. The collection agency sent me a letter back with computer printouts of the school showing I owed money for the book, that my tuition was paid, and that I took the class, but no real proof that I owed the money for the book. What would you suggest I do now?
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was the book honestly not paid by you
how much is the collection you could negotiate payment and removal if you pay in full.
if the account is small i would suggest this route to be done with it sounds like they may not have validated the debt
also
might send the debt validation follow up letter
moving and finding addresses is one reason they have credit reports
that way creditors do not have to spend more than it is worth to hunt some one up they just slap it on your report and it goes where you go

Real free credit report. Cancel in less than 7 days

A month ago, I went on line to get a free credit report from all 3 bureaus. At one point, I was over whelmed & gave my debit card number & I can't remember what it was for. I then receive some message that my results would be e-mailed to me within 24 hours & I never got anything. Then I was able to get all the reports for free afterall. On my bank statement I have a $10.00 charge from that day & the transaction says "Experian Scorecard" & there is a phone number, but it is disconnected. I have called Experian, Free Credit Report.Com, Annual Credit Report, Consumer Info & probably others I can't remember, all of which tell me, the charge did not come from them. I am not so worried about $10.00, but about it being something I joined in error & this charge coming out again on a monthly basis.
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file a dispute with your bank to take the money back or stop any further payments and you will get the right number
most of these free reports and three scores come with a 9.95 a month is you do not cancel in 7 to 30 days or something like that
I had a microsoft charge for 24.95 per monh that i could not cancel even after getting the right number and calling the right people i thought.
finally i went to my bank or called my credit card company and said stop any more charges from that place. It worked. i usually use the company on my site and cancel before 7 days. it works.
i checked mine and my wifes today in fact for a car 800 wife 727 me
i felt really good today an didnt even need to prove my income with my local credit union.
i have ALOT of debt.
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Thank you!

Have not received my credit report in 90 days

Hello, I have not received my credit report and it has been almost 3 months
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send this free credit report without a credit card letter
wait 35 day
no more

free report with credit report score from all 3 three bureaus.
cancel in less than 7 days

wanting to clean up my credit in order to purchase a house

I am wanting to clean up my credit in order to purchase a house. I especially don't want to have to pay a high interest rate. I have several delinquent credit cards on my record but it's all over 2 years. I have plans to pay all bad dept off in another year. But I read from your web site after 2 years even if the dept is paid, it wouldn't raise the fico score very much. In spite of the bad credit reported, I do have 2 current credit accounts that are excellent which are on my recent file.

My question is ... would I do better by leaving the 2 year old bad dept unpaid? I'm afraid if I paid the bad dept off, it wouldn't reflect on my credit report as paid. I don't trust any collection agency's promises unless it's in writing. And I have had collection agencies refuse to put any negotiation in writing. At least, I was smart enough not to take their word at face value. I didn't pay the agency.

Also, can I dispute the amount I am being charged to only the credit bureaus and bypass the collection agency all together? There are stock piles of late fees and late charges that I feel I shouldn't have to pay. For example: In reality, I may owe only $600.00 but after the late charges from the creditor and fees from the collection agency, my dept increases to $1000.00. Is this even legal?
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the original creditor is the only place to negotiate
collectors cannot sue or threat to sue
and they can not put sold collections on your report in MOST cases

valdiate these debts
and call file with your state attorney general is they do not compy which they can't
most collections were sold for pennies on the dollar to help the first creditor.
it is illegal for them to threat to sue and to put it on your credit report
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Will 2 year old bad dept affect your fico score, especially when you have good credit that's been paid on time and has existed over two years?
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i dont know
what is your credit report fico score at all three bureaus?
what does it need to be?
many times a home or car loan will require one to have all past due outstanding debts paid in full.

Raise my credit score fast. I go turned down

THE REASON WHY I AM WRITING YOU IS FIRST I WANT TO RAISE MY FICO SCORE FAST.
RAISE MY CREDITI HAVE CONTACT THE CREDIT BUREAUS FOR A FREE CREDIT REPORT HOWEVER THEY ARE TELLING ME I RECEIVED A REPORT WITHIN THE LAST 60 DAYS SO I MUST PAY. I APPLIED FOR CREDIT AND WAS TURNED DOWN TWO WEEKS AGO, I THINK I AM ENTITLE TO A FREE CREDIT REPORT. ALSO I AM IN THE MARKET OF BUYING A HOME , BUT I AM BEING TOLD MY CREDIT SCORE IS TO LOW. WHAT SHOULD I DO?

PLEASE E-MAIL ME BACK
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you will get a letter in the mail saying you were turned down
use it and this page
to get a free report
Free credit report I got turned down letter

Turned down for bad credit with Equifax. Need free credit report.

Turned down for credit card with information provided by Equifax. Under the Fair Credit Reporting Act, I am entitled to a free copy of this report. Who do I contact?
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http://www.oskie.com/free-letter/get-my-credit-report-with-out-without-credit-card-letter.htm

free credit report and score

free
credit report and score
close account in less than 7 days
or
keep and really work on my credit fast now.

All government appointed credit reports come without free credit scores.
Make sure I get all 3 scores free
Pay $5.00 to each bureau for score upgrade?
Get all three now fast and free

Any Real Free Credit Reports?

Are there any real free credit reports?
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Yes there are.
The best way is to sign up for a monitoring service and cancel before a certain time. The report and scores are totally free.
There is a government mandated free credit report that come with no score. The scores are 5 dollars each at each bureau which makes it 15.00.
So I always sign up and cancel or keep it until my credit report is updated. This is still less than the supposedly real free credit reports mandated by law.