I received a contingent approval on a home loan

I simply want to thank you for sharing your gift of knowledge with those of us who are not as knowledgeable.

I received a contingent approval on a home loan. I hope to close at the end of this month. However, I want my entire credit clean. Your suggestions to others have helped me tremendously.

Thanks so much,
REAL PERSON


I need a loan as soon as possible, but I have bad credit. Where do I go? Best Online credit card offers
--------------------
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the past three years she has not paid the cond fees woth 10,000 and wrote bads checks to countrywide

Quoting REAL PERSON
Hi, my name is Amelia, i'm 25 and as of yesterday i received the worst news in my life. i have been battleling with my son's grandmother about a town house i took over for her and i didn't know how bad her credit was. come to find out in the past three years she has not paid the cond fees woth 10,000 and wrote bads checks to countrywide mortgage many times and didn't pay them a few months. i have now made the mistake of putting her on the loan because my credit score went from 800 to 595 the owest score. what do you think i still the option to do.
Now if you look at my bills and the four mortagages i had in the past where lived at all and everything was paid off ahead of time or many weeks before theh bills are due. do you think the creditors will take that in consideration?
please help. i have no idea what to do. i still have to get that townhouse out of name even tough her name is also on there.
-----------------------
that is I signed and wish I hadn't let this happen
IT DID
There is not much you can do to change names at this point
sounds to me like i would find a rental
call countrywide and say i default on my part
and get it done now so 7 years will pass sooner
no good answers here

other than.
Don't trust someone else to pay your bills even if you pay them
AND
make sure if you do copies of statements come to your address

showing open even though I had filed bankruptcy on them in 2001

uoting Real Person

will this work if I have items still showing open even though I had filed bankruptcy on them in 2001. not all the items I filed on are showing judged under bankruptcy. please advise thx Real Person
-------------------
They should all show included in Bk and zero balance
use my free dispute form.

One might try to just dispute them as not mine first and hope for the best then

do both the above
-------------
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I had ten-thousand dollars in cash and couldn't get approved for a twenty-thousand dollar loan

I am a twenty-seven year old female with a degree in accounting. I had ten-thousand dollars in cash and couldn't get approved for a twenty-thousand dollar loan. My score was in the 600's then, now my score is a 560 with high revolving debt medical and school loans.There is about fifteen thousand altogether. I have thought about ch. 7. I would rather repair. I have struggled for years to fix it once and for all. What do I need to do first?
Desperate In Ohio
----------------
take the ten grand and pay your debts
open up 3 credit cards and pay on time for 2 years
that will give you 3 rated trade


take the 10 grnad an put it on a 15000 car and that will get you financed
make sure the creditors reports to bureaus
or
dont borrow from them
-----------------
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I am very scared to investigate my credit score

Quoting Real Person
Hi-
Thanks for your great website. Like many people, I am very scared to investigate my credit score. I have no idea what it is. I did have a few unpaid credit card bills that went into chargeoff in the mid 90s, and I have one collection agency snail-mailing me still but I am too scared to open the letter. I recently accepted a job at a major company and was surprised I passed a background check, which included a credit report. This makes me think it might not be too bad. I have convinced myself I am in the toilet credit wise, but lately I have received a flood of offers recently that
reference my great credit. I have had an American Express card since 1990 and I was just solicited to upgrade to a platinum membership with them, so I am not sure what to think. Any advice as to how I can conquer my fear and take the big leap and face my fear of the scary world of credit? Thank you.

PS I stumbled on your website while searching this topic on Yahoo.
Thanks for a great public service.
---------------------
This "scary" issue faces almost everyone I know who has intelligence. I am afraid to look at my bank account most days because my wife and I are such disasters. We cannot manage money worth a dern and overdraft almost monthly although our overdraft protection bails us out most times. But the same issue you are talking about kept me from trying to buy a house in 1994 and you can read my story about what I found out. The truth is your credit is real and you should know what it says. You should know facts about credit. Late payments are not reported as such unless they are 30 days old. Many people think paying 15 days late messes up your credit. NOPE. You mention 1990. Heck that is 15 years old it should be gone by now. Little things like that scare people.
The one true credit god is your friend not your enemy unless you never feed it and talk to it. Check your credit NOW. Get a score. there are 3 bureaus check all 3 right now. No one is going to hurt you. The only problemm you may face is seeing damage you already dread, or finding something incorrect which you CAN FIX. Oh my gosh. Check your credit every year and make it a habit like brushing your teeth. Credit is your friend.
--------------------
Quoting REAL PERSON
Bo-
With your kind words, I just mustered up the courage to check my credit score. I haven't finished going through your website, but I checked through Transunion and I scored a 685.
In your estimate, is this a good score?
You have done me-and others-such a service. I thank you from the bottom of my heart. Also-in your opinion-I have a school loan of about 8K that I could pay outright. Would you suggest that to increase my score? And if I did that, what kind of points would I gain?
Thank you again!
--------------------
685 is SWEEEET brother
and the loan could help you 10-20 points if your balance is 8 and your total high credit is less than 10 meaning any account you drop to less than 80% against high credit will help your score.
685.....whew that's high cotton. It is very hard to get higher than 740 which is super premium gold
Don't you feel good now that credit is your friend
-------------------
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this mysterious creditor is nameless. I have no way to contact them

Quoting REAL PERSON

Good Morning,
I recently decided to use my car as collateral for a consolidation loan. I thought my credit score wasl around 640, when I heard 605 I was shocked. The bank manager let me know it appeared to be from a medical bill last fall. I have insurance. I have no idea where it came from or why. The main problem is this mysterious creditor is nameless, therefore I have no way to contact them or give them my insurance information. The only thing available is three numbers and a bunch of stars. 491***, its only listed for 1 month then nothing. Does that mean, (seems obvious the more I talk about it), that my credit suffers because they either payed the bill late or were never notified of one? Thats not right.

Next I would like to know how negative the effect may be on my credit if I do receive a consolidation loan with the title of my car? Its still worth $12,000, has 50,000 miles of high quality warranty remaining, looks and runs great and is fun to drive. Plus it is payed for and its mine. I really don't want to sell it if I don't have too.
I always figure theres a brighter day somewhere in the future.
Thanks,
----------------
dispute the record with my free dispute form.
if you do not know which bureau has the record dispute at all 3
you will be contacted withing 40 days with info about the negative credit error.

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Collection under a different account & five year newer date

Dear Bo,
You have an awesome site!

What if I have a collection account that has been paid, and has been updated as such on my report, but a credit card company has bought the original account (before it was paid), and reopened it under a different account and five year newer date.
Thanks
-------------------------
very common
super common
extremely common

what are our rights? I gues is the question.
Consumers would argue inherent flaws cheating
Creditors would arugue needed relif from deadbeat consumers.

Whos is right
how do we find out
and if the later how can consumers change it
if the former what legal grounds stand behind consmers change it

if the later how can creditors ever make a business model work
if the later quite the same as the former.

Ask the BBB, The FTC, and Bo is guess. Bo cannot give you a perfect answer to this common question and reporting technique.

My personal opinion is the 7 year rule should stand under all conditions other than a consumer who makes payments or something which could be contrued 2 ways. date of last activity "last payments" being the start date for 7. OR being able to get the mark removed if you pay as agreed on collections or any account.
Bo's work # 31-454-0660
-----------------------
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Frustrating work to contact credit bureaus

Bo,
Thanks they really make fixing your credit or finding out what is gogin on a pain in the ... thanx for making the site and putting the numbers up it saves waiting for a reply back from georgia lol later
Jim

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I paid ANOTHER company and they did NOTHING can a bankruptcy be removed?

I have read your website but Im still so confused!!!! How do I get things off my credit report? I have already paid $$$$$$$$$$ I KNOW I KNOW STUPID
HELP
--------------
Bobo Majors 10/17/05 03:39PM >>>
paid does mean removal
it means paid
removal means mistakes or 7 to 10 years old
--------------
I mean I paid ANOTHER company and they did NOTHING...can a bankruptcy be removed?
--------------
Bobo Majors 10/18/05 10:50AM >>>
no a bk can not be removed and it will stay on record for 10 years
and all the items included will remain for 7 years
unless you are lucky
-----------------------
Quoting REAL PERSON
Well thats answers that because IM NOT LUCKY LOL I talked to a company and they said they can remove it?
--------------------
Bobo Majors 10/18/05 11:38AM
you might try to dispute all the bad records as they get older
2-5 years and some companies go out of business
some purge old records
some just move and can not be contacted
keep trying on the dispute end over time
you are not your credit or bank account
you are a living creature and have value
do not get too depressed over money
-------------------
Quoting REAL PERSON

Well its just so hard to get a new car, refine a house or get ANY credit because of it!
------------------
money now has become your credit
you are like me i suppose
and money is not just lying around

but you can get a 3-5 thousand dollar car with 1500 down for sure
refinancing a house can be done
but it won't generate the esults you are looking for it sounds like to me

931-454-0660 w

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I corrected mistakes but my credit score remained the same

Quoting REAL PERSON
I recently (3 months ago) got a mortgage. My score was about 620 at the time & I had 2 incorrect issues on my credit report. I have since taken care of both (charge off/tax lien). I went to get my free report today from annualcreditreport.com, and while the information was now correct, my credit score remained the same. Any suggestions?

Reduce balances to below 80% of high credit
Make timely payments for 2 solid years

931-454-0660 w
www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
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I contacted an attorney to solve credit errors

Quoting REAL PERSON
I've been reading your inquiries and I need your help. Here I have contacted an attorney to solve my issues when all I really needed was your e-mail.
I have three creditors. IC Systems who I paid off in 10/2002 although I paid them off in 10/2002 the company never showed up on my credit report until 3/2003 and 6/2005. When I disputed the account on Equifax they removed it stating they had the wrong
social security number, which was a lie. I've been going back and forth with them to update the dates on my credit report, they refuse and my lawyer (lack thereof) has said it's pointless to dispute it through him all I asked him to do was prepare a letter. How can I ensure that they update the dates on my credit report to reflect accurate reporting?
First Premier Bank, I settled for a lesser amount and yet they won't update the current status to just Settled Account and leave the other junk off, is there a way I can get them to do this, again my lawyer refused.
I read on the internet how lawyers can settle accounts for their removal, is this possible, have you heard about this and is there literature on things like this happening?
REAL PERSON
-------------------------
there are tons and tons of
creditors
consumers
credit issues
reporting issues
put these together and what we have a lottery.
anything might work at any time with any creditor about any issue
i would say the lawyer handles only law issues no credit issues
in fact a consumer is the only rightful disputer
all things must go through a REAL PERSON
use my dispute form
if you feel the shaft is on you
try lexington law
it couldn't hurt.

i will say that just becuase one files bankruptcy
settles and account
pays off a collection
does not mean they are entitled to have all the other real life credit problems taken off. If you did;nt pay a credit card. they charged you to collection and then you settled. It does not mean the bill did not get late or that it was not sent to collections. I think many people believe once they pay that all past negatives go away. It's kind of like the thing I here every day. I have great credit. Sure you paid them off but look how many times you were late. There is way more than just paying someone off to good credit.

I not saying any of this applys to you. These are only things I see day in and day out.

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Phone and Fax Number Numbers for Experian Trans Union Equifax

Phone and Fax Number Numbers for Experian Trans Union Equifax
Phone and Fax Number Numbers for Experian Trans Union Equifax

EQUIFAX
FAX NUMBERS
281-878-1974
678-795-7798
888-729-0083
866-233-3777
800-395-6440 CHECK ON STATUS OF INVESTIGATION
866-838-1016 ATTN: FAX TEAM
866-838-1017

-----------------
EXPERIAN NUMBERS
888-397-3742
888-972-5722

VOICE MAIL
972-390-3814

SUPERVISORS
972-390-4000
972-390-4001
972-390-4002
972-390-4003
972-390-4004
972-390-4005
972-390-4006
972-390-4007
972-390-4008
972-390-4009
972-390-4100
972-390-4101
972-390-4102
972-390-4103
972-390-4104
972-390-4105
972-390-4106
972-390-4107
972-390-4108
972-390-4109
972-390-3046 JOHN RORGE
972-390-3816 ANDREA GREEN
972-390-4068 TOTAL RECALL
972-390-4087 BETHANY ISEMAN SUPERVISOR OF CUSTOMER RELATIONS
972-390-4088 KEN
972-390-4121 ANNETTA WALKER
972-390-4122 LEAD VIP TEAM
972-390-4123 ELIZABETH
972-390-4124 LISA WALLACE
972-390-4126 PAUL SUPERVISOR OF THE TOP GUN TEAM
972-390-4127 GREG MCGOWAN
972-390-4128 CHE
972-390-4130 CARLA BLAIR SUPERVISOR SPECIAL SERVICES
972-390-4131 KERRI IDEE SUPERVISOR
972-390-3000
972-390-3569
972-390-3809
972-390-3811
972-390-3942
972-699-6046
972-699-6081

FAX NUMBERS
407-551-1955 FLORIDA
714-385-7349
714-830-2449
800-301-7196
877-454-1010
972-390-1680
972-390-3809
972-390-3838
972-390-3850
972-390-3974

----------------------
TRANSUNION
610-546-4600
610-546-4601 THRU 4699
610-546-4612, 4618 CONSUMER WINDOW
610-546-4613 HUMAN RESOURCES
610-546-4614 LORI TAMARABUS HR
610-546-4617 BONNIE SAUNDERS HR

TU FAX Numbers
610-546-4601
610-546-4602
610-546-4603
610-546-4605
714-447-6032 ATTENTION: CONSUMER RELATIONS
714-830-2449
716-626-1795
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the payment was there on time and it didnt get posted

Quoting REAL PERSON
I wanted to see if you can help me. One of my junior loans posted a 30 day late and brought my score down. i'm now in the lows 600's however, the payment was there on time and it didnt get posted because the last two digits of the account numbers were wrong. what should i do? i contact washington mutual in which i have my loan from and they don't want to take it off my credit report. they show the payment was there on time, but didnt post because of the account number.
REAL PERSON
---------------
that is thier mistake if you can show it cleared your bank on time
they should remove it due to thier error
evidently they must think it is not
30 days is thew cutoff and that IS a long way from on time
but the letter of the law says they cannot report you late until 30 days.

Collections and 2 charge offs. My score has been around 540 to 560

Quoting REAL PERSON
Hi Bob,
I first wanted to say I appreciate the work you have done with you site. Question my score has been around 540 to 560 for the past 8 months. I have collections and 2 charge offs. 8 months ago I decided to get my credit and life under control. I started paying off the collection. All of the collection company refused to remove
the collection notice when asked. I tried to enroll them with kindness and hoping they would be understanding that we had problem that was out of our control. Did make any difference. I have all of the collection paid off except one. From what I have read it looks like my score will not improved until the collection notice expire even though they state paid on collection zero balance. It seem I have went about it all wrong. I am very discouraged.
By the way, we have not been late on anything for 2 years. I have only 2 trade line open. Car, and house payment. I don't know if student loan qualifies. Any advise?
-----------------------------
To be more complete I would have to adivise people with collections to do more than make payments on collections and THEN ask for removal. Catch collections fast and pay them in one lump sum with penalties and ask for total removal if you complete the payment with a letter you can use to dispute the collection. Most collections only show up after repeated contacts. So when collection hit everyone knows this has been a total lack of payment after prolonged attempts to contact. Add that on top of making payments rather than lump sum. What really looks bad collection is Utilities (phone, eclectric, gas, water, rent) and previous creditors turned over to colections. Hospital stuff usually doesn't hurt as bad other than all people now that hospitals try to set up payments before they send items to colection.

But alas there is a rainbow. You have paid them off. You are making new strides with 2 open trade lines. Your score will follow positive feedback over time.
Hope the collection companies go out of buisiness later and you can dispute them. Always dispute unfamiliar accounts older than 4-5 years in hopes for removal. I assume your collections are not duplicates of another account reporting creditor who could not collect from you. If this is the case I would dispute on
the basis of duplicate accounts.

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My Problem- This is a example of one of the cards.

Quoting
Hi Bo, I love your website. I have a question or a problem and I hoping you have an answer. My credit report is a mess and I have read all most everything on your site and I have been working on my credit report. I have sent out 20 letters and I'm not getting any thing fixed. The Problems is: I had 4 credit card and lost my job and fell behind on them. Before I could get back on my feet the credit card companies: wrote them off, and then sold them to someone else. I tried to settle them but I didn't have enough money, so each company again wrote them off and each company sold them to someone else. This happen at least 6 times for each card. In the end, the cards each got sold and some of the companies didn't even notify me. The total amount of the cards was about $1500. At the end I settle with all 4 cards for over $5000.00.
My Problem- This is a example of one of the cards.
Get Smart Credit Card for $1000
Providian Wrote off and Sold To- Emerge
Wrote off and Sold to-Plaza Associates Improve
Wrote off and Sold to-J.A. Cambece Law Office, P.C.
Wrote off and Sold to-Pinnacle Financial
Wrote off and Sold to-Law Offices of Mitchell N. Kay P.C. Wrote off and Sold to-Collins Finance
Wrote off and Sold to-Jefferson Capital System
Wrote off and Sold to-Erin Cap Management-NY
Wrote off and Sold to-Blatt,Hasenmiller,Laibsker and Moore LLC
A friend gave me a loan so I could fixes these mess. I settled
with Blatt,Hasenmiller,Laibsker and Moore, LLC on 5-26-05 for $1300.00 I got a credit report and Emerge and Jefferson Capital System were on it. I sent a dispute form on them asking them to charge it from wrote off to Payment after charge off-Settled less than full balance. And they will not do it.I sent every piece of paper I could to help them understand but they still will not fix it. My question is ? How can a company write a debt off, take credit on they income taxes for the write off and turn around an sell it to another company that does the same thing all over again?
Any help you can give me, I would be very thankful for.

Thank You very much.

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If I dispute myself it will work. I have some paid items that has been late but still on my credit report.

RP
Hey is this credit thing really true. If I dispute myself it will work. I have some paid items that has been late but still on my credit report. How do I handle this?

Bo
yes it will work update or correct errors with the free dispute form

RP
WHAT ABOUT OLD PAY OFF THAT WAS ONCE LATE SINCE 1996 BUT PAID

Bo
that is 9 years ago
the account should be off if you paid it of before 98
7 years unless it is a law deal

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an account was settled-is that a bad mark that will lower your credit score

Quoting Real Person>:
If you have on your credit report that an account was settled-is that a bad mark that will lower your credit score? Also the information I read on your site was very helpful.
Thanks,
NJ
---------------
Yes it usually is. It says beside how they rank your activity r or i 1-9 9 being bad and 1 being good. r = revovling credit like credit cards. I = installment loans like cars and houses.
settlements mean your account was not paid in full as agreed but usually do change your outstanding balance to 0. For the most part i think and no one knows for sure that a settelment out weighs a 0 balance thus maiking your score lower. how much? I would venture only a guess of up to 40 points on a perfect credit report and as low as 10 on a really bad report.
All guesses.
931-455-0660 w
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How are you..... I'm trying to prepare to buy a home ,but my credit score I'm thinking is to low ......its 633 Equifax, 642 Trans union and 661 Experian I got these from a credit report Bank of America did for me from a company called PrivacySource.This repot also shows credit report keys, credit report details,and credit report disputes so pretty extensive as you can see.I have a bankruptcy that I'm hoping will automatically fall off my credit in Oct. 05 it will have been 10 years by than.Will it drop off automatically? IS THE DISHCARGE DATE 10 YEARS AGO? yES NOT 10 YEARS FROM DISHCARGE NO I also have a couple of Medical delinquency that I'm trying to figure out how to handle.I'm not even sure I owe this money.If I do does these types of delinquencies lower my Score? Should I try and contact them to make a arrangement to pay them ABOLUTLEY.....should I ask them to please consider to dismiss the charges? I truly can not afford to pay them if they are mine. Every dollar I'm making is going towards trying to prepare to buy a home meaning the down payment and things like that. I really need some guidance I'm a 43 year old single guy living in my Fathers basement I lost my mother a few years ago to lung cancer and its just time to make a move. The bankruptcy was a major Mistake its been so crippling , but its been ten years now and I'm pretty sure I make enough money to invest in a home (48,000 a year). I've paid down my credit cards I had 4 a year ago and now I only have two with a balance of like 1,000 between the two. MUST HAVE OPEN CREDIT AT ALL TIMES TO HAVE A SCORE. NO OPEN CREDIT IN THE LAST 2 YEARS? NO SCORE. I realized I made a error by closing all 4 of them last year after doing some research this is why I really need help I just don't know what I'm doing.I don't have that much debt really just things like a car payment which is in my dads name ( cosigner) I did it that way to get a better interest rate the payment is $450 a month.I'm hopping to find another car that cost less to cut that payment in half after the bankruptcy falls off my credit report this Oct. I figure I could than go car shopping for a cost of about 10,000 for the car so my payment would only be $225-> $250 a month. Does that sound like the right game plan there? so I can free up more monthly income for my mortgage payment.The other debt is cable bill, cell phone, car Insurance. Things like that. Thank you so much for taking the time to read this and any suggestions you could offer me or direction or any advice I would greatly appreciate. THOSE SOUND LIKE UTILITIES THAT VERY RARELY WORK WITH YOU. PAY THINGS OFF. ASK FOR HELP AND BEG.
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If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.

You hit it pretty much on the spot.
Please line up disgruntled taxpayers for a class action lawsuit.

If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.
Took 5 years to beat Fleet thru Midland Credit Management in Palm Beach County and get attorney fees-can check it on line.
Bankruptcy reported by Citi was wrong, and they do not respond to 5 letters and reported to CRAs.
Cannot get any response from CRAs and they are all different on reports.
Need to get rid of FTC-bunch of lazy ass-holes-waiting to retire on my labor.
You are aggressive and need to review these cases-money is there.
Have a lawyer here and would like to discuss with you.
Thanks,
Real Person
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What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible!

Quoting sandra REAL PERSON>:
Hi Bo,
I just happened to find your site from Google and I would like to say it's really imformative! Recently, I have been trying to refinance my home and get what they call a 'cash-out' and I applied through the company that holds my mortgage. They turned me down due to too many 'hits' on my credit history. I don't understand why this is such a detriment on a person's credit and I know there is no way to change the rule or law but it really makes me upset. In fact, it's so bad that those 'hits' remain for 12 months or more.
What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible! I was able to contact Experian by telephone after sitting on the phone for about an hour, being re-routed numerous times and after calling about three or four different numbers. I was able to dispute many errors I found on my credit report that I had no idea was there. In my personal information section, they had about ten
different names for me, all of them incorrect, my birthdate was wrong, there were several addresses that were incorrect and even my drivers license number was wrong.
Contacting Equifax is a completely different story. I stupidly signed up for their $9.95 a month credit report but had intentions of terminating it before the thirty day offer was up. Well, here is the problem....
It's really easy to sign up and REAL easy to enter your credit card
information so they can take your money but it's impossible to terminate your transaction! I searched and searched the site for the link to terminate my transaction, I'm STILL searching, I am searching for a way to contact Equifax and unless I am going blind, I cannot find the feature to end my membership. By the time I
send a letter by snail mail, Equifax will have sucked another nine dollars from my account.
If you know of any way for me to terminate my subscription with Equifax,
PLEASE let me know!!!

Thank you and I will add your site to my favorites.
-----------------------

if i dont use credit cards...but they have no balance remaining, is it better to leave them open

Quoting real Person>:
I was on your website trying to find tips...i was wondering.. if i dont use credit cards...but they have no balance remaining, is it better to leave them open, and just not use them..or the close them?
Thanks
Real Person

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Settlements with creditors. Will these help my credit score

Quoting Real Person>:

My credit report says that I am about $1,300.00 in debt. I want to settle with the people that I owe, but with all the other bills I have it's kinda hard paying the full amount. My question is, do you think that the creditors will accept a reasonable settlement because I'm unable to pay the full amount? For instance, 1 company I owe $140.00, do you think they will accept $100.00 as payment in full? If so, is there a form letter for something like this. Please
give me any help that you can. I want to buy a house and my credit score is 600.
Thanks.


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The convoluted web of making contact has made it an impossible task for me to find fax numbers

Hello Bo, I am RP, I live in DC and I am an engineer, going about to get some information cleaned from my report - that I never knew existed. I found it admirable that you took the step to list and help with this information. Your website was also very very informative. I am writing to ask if you could provide me with some additional information. The convoluted web of making contact has made it an impossible task for me to find fax numbers and such. I have papers with proof, letters of apology/recalls etc from the company in some cases the company reporting cant even find reference to their record.
Could you send me information on their fax numbers and contact emails, where they can't ignore my documents, and whom would I contact, hoping this will cut my time in following the trail. Also in your opinion what was the fastest and most effective way to get the items resolved. Also any suggestions on what to do to keep them/organization from doing the same stuff ever again.
--------------
use certified mail
sent it 3 day if your in a hurry
forget the fax
it is not worth the trouble and mail is more secure
---------------
RP
Will give that a shot. Thanks again Bo.
When I got my report I had 6 rated at R and U9, needless to say I was shocked, and moved very quickly. I got 4 of them resolved; the Companies have all sent me either apology letters or correcting the error and sending me a report to that effect. However, I am facing a problem with ATT cable and ATT wireless; both are now owned by other companies like Comcast cable and Cingular Wireless. I have paperwork, for the both of them, but it has been impossible to get any form of resolution because I get shuffled back and forth between the credit agency and the companies. Any clues on that. I wrote them numerous emails, called them so many times, the facts
in their system even reflect my statement, but they simply refuse to
issue me a letter or a point of contact to deal with.
What can I do in this situation?

----------
when a company is "bought out", so are the debts and assets.
your debt or assest or mistake was passed along then put into like a
mass grave site. Many of these items will come right off with a dispute form.
I'd try the dispute form then see what happens.
-----------
When you say a dispute form I am assuming the PDF/word document you put together on your website.
Also I looked into the 3 in 1 credit service at credit.com you listed, does interacting with them and furnishing paperwork to them, mean they can fix this directly as in they have direct access to the database and such. At some point, if your website allows for it, I would also like to contribute to your website anonymously, but have nowhere the same depth as you do. Also did the credit bureaus try to get you to take any off the stuff down... it was so hard trying to find information on the stuff.
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What if i have no credit score.

Bo,
What if your Beacon Score is zero? What can you do to have that changed?
REAL PERSON

get a cosignor
pay a lot of money down
start new credit with my free lettter..send money with app
get 3 open items that have been open for 12 +
get someone to show you've paid off something or paid well on something other
than utilities and pay to have them included.
under 18? Forget it or string co signor and know the bank
something has to be open within the last 2 years
have'nt used credit in 2 years? You are now a 0.
So why would a reasonable person not have a beacon score
i can find none other than youth.

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this company bought a debt that was already charged off by another company

I have an item on my credit report from Asset Acceptance which claims to be a collection account. However, this company bought a debt that was already charged off by another company. Now this company claims that I owe them (not the company I actually owed that already charged this item off). When I called them, they admitted on the phone to me that they BOUGHT this debt from another company and that they're not making a collection specifically for the company they bought it from since it was charged off.
Do they have the right to report this on my credit being that I do not physically owe them a cent? They're a business that bought a debt in hopes to get money out of me... I can't see this being legal. I disputed this item on my credit but it came back as OK because it claims on my credit that they're are a collection for the previous company Bank One) and they aren't! Bank One already charged this item off years ago and then sold it to Asset Acceptance! Is there anything I can do? I can't find a phone number to be able to talk to an actual live person at Experian or Equifax. I keep getting automated systems!

On 8/2/2005, "Bobo Majors" wrote:
All I can say is to call or contact the FTC and Better Bussiness Bureau for complete answers to this common credit delima. One charges off, another trys to collect and both report negative thus creating a double jeopardy of sorts.
I would hope one could only be reported by law but cannot give any legal advice on this matter. I'm just a guy who had bad credit and told my story and will tell yours also. I will say this is the most common credit question for credit help I hear day in and day out. Can they do that? They definately did and we should all pay our bills if they are ours under reasonable man circumstances.

Ok, I appreciate your help. First I'm going to try and contact these people again and try to come to an agreement with them on a settlement price and upon payment of that ask them to physically delete these items off of my credit (the 2 they reported to). If they refuse, I'm just not going to pay immediately and seek further assistance somehow... It just doesn't seem like this can be legal.
lex law might help but they cost 79 to sign and 39 a month thats not much if they can remedy these kinds of afflictions remember to keep copies if they do delete so that no following actions can be
reported o your credit score.

lex law might help but they cost
79 to sign and 39 a month
thats not much if they can remedy these kinds of afflictions
remember to keep copies if they do delete so that no following actions can be reported on your credit score.


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How long can a company use my credit app for inquiries

Quoting Real Person>:
Hi,
I found your email address on your website and had some questions I needed answers for. Thanks in advance...Peace...
First:
I recently pulled my credit reports and noticed that a company Whom I had a car loan with, which was then paid off in a transfer to another company, and the car loan has been paid off since 1994, inquired into my credit file in January 2005. Is this legal given that I have a Opt-out agreement in effect and I have sent letters to the direct marketing association as well. Do they have the right to inquire into my report and cause my score to lowered without my permission on a closed paid as agreed account? If not how can a handle this a) stop them and any other old close dout creditor from requesting my report or block the credit agencies from giving it out without my approval and gain back the point I have lost on my score because of it.

Secondly:
Another company that is a closed acocunt paid in full and in good standing, and was paid off in 2003 is still updating the last date of activity for that
account so it seems like the account is open when it is not. It shows a last activity date of 2005 and if was closed in April of 2003. Is this illegal and if so, how can I get the companies and credit agencies to acknowledge the true last dates of activities for this and any other account.
Third:
One agency shows an account in good standing paid in full with a balance of zero; however, it does not appear on my other files. Show I add this to the other two files and if so what is the process for taking care of this.
Fourth:
How can I write a letter to a credit that informs them to take a specific action-i.e. stop inquiring about my credit report after my acocunt has been paid in full and closed by me, etc. without them changing the last date of activity...

Thanks... RP

www.oskie.com/equifaxtransunionexperiancredit.htm Credit help

Thats a mouthful and very difficult to answer.
1. No they should not be able to pull your credit back up over and over if you
paid them well. If you have skipped town sometimes creditors can legally use your consent to look and see if you have new entries that mat make it easier to find a skipped town and owes me money person.
2. Long standing issue I have answered a hundred times on my blog and by email. There is not much you can do other than close the account by paying if you owe and ask the item be shown paid in full on such and such date.
3. I do not think bureau will add these items unless you pay and I have never done what you are saying but I know the FTC says we can update and add for a fee. Read FTC laws page on my credit web.
4. Fraud alert. Get my free form on my webpage

Should I pay a settlement collection that is not reported on my credit report

Quoting "REAL PERSON"

You have a great website with great information regarding credit reports.

My question to you is: I have a repo that is reflected on my 3 credit reports. I have contacted the collection agency who is handling the account and have gotten a settlement amount in which I intend to pay. I first tried to contact the original creditor itself, as you suggest on your website, but they have advised me that they cannot handle the account due to a contract with the collection agency. My credit reports show that I owe GEAuto, the originating creditor, and not the collection company. How will this change my credit score when I do pay the amount off since it is not showing as a collection but it does show as a "Voluntarily surrendered/Never Late/Past Due 855?" Is it even worth paying the settlement amount to the collection agency or should I just wait the 2 more years for it to come off my reports which will be the 7 year timeline? My fiance and I are trying to obtain a construction loan to start building a house so that is why I need my score to go up.

Thanks
REAL PERSON
Subject: Re: CREDIT REPORT, NEED HELP
If we do not pay the collection company they will put it on your account in addition to the other charge off or whatever. So I would say pay them fast and ask that they not report it at all if you pay them. they should do that.

931-455-0660 w
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Father Son Merged credit report and sons bad credit.

Quoting R Person
Hi Bo,
At the current time, I am not concerned with my own credit or score. It's got to be excellent because I average 3-4 pre-approved credit card offers a week. I have ordered a free copy of both mine & husband's reports just recently, but not the fico scores.

The concern is my husband's account. My husband has never been late on any bill or credit card, ever. The problem is our 36 year old son has the same name and has terrible credit, and it keeps getting reported on my husband's account. Three times over the past 15 years, we have disputed all the incorrect items on his account, gotten it cleared up, and the credit card offers started coming in again (by the way-those are shredded, not applied for). Within 6 months to a year, it's back to the same way it was before. We have finally given up for the past 5-7 years since it seemed that no matter what we did, they would continue to get my son's reports back on my husband's credit.

We can't afford to order his credit report 3 or 4 times a year to keep track
of this, and actually, it gets rather tiring since it takes a minimum of 2 months with back and forth disputing to get something done properly. Is there anything that can be done to make them realize that the birthday/age/social security numbers are not the same and to stop putting reports on the wrong account?

Thanks.
R PERSON

Date: Tue, 2 Aug 2005 08:40:42 -0700
From: Bobo Majors
To: Real Person
Subject: Re: Credit Report Problem
Put a fraud alert on his account with contact info before and other credit is extended. These alerts usually only last about 1 year so you will more than likey have to do it each year. After a few years someone usually gets the point.
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Errors on my credit report. Click here for my report.

Quoting Real Person.com>:
Hello Bo, I am vijay, I live in DC and I am an engineer, going about to get some information cleaned from my report - that I never knew existed. I found it admirable that you took the step to list and help with this information. Your website was also very very informative. I am writing to ask if you could provide me with some additional information. The convoluted web of making contact has made it an impossible task for me to find fax numbers and such. I have papers with proof, letters of apology/recalls etc from the company in some cases the company reporting cant even find reference to their record. Could you send me information on their fax numbers and contact emails, where they can't ignore my documents, and whom would I contact, hoping this will cut my time in following the trail. Also in your opinion what was the fastest and most effective way to get the items resolved.
Also any suggestions on what to do to keep them / organization from doing the same stuff ever again.
Sincerely
REAL PERSON with their phone number and everything.
------------------------------
-----Original Message-----
From: Bobo Majors [mailto:Bobo@oskie.com]
Sent: Wednesday, July 27, 2005 11:05 PM
To: REAL PERSON
Subject: Spam:Re: hi - your credit website

use certified mail
sent it 3 day if your in a hurry
forget the fax
it is not worth the trouble and mail is more secure
--------------------------------------------------
Quoting realperson.com>:

Will give that a shot.
Thanks again Bo.

When I got my report I had 6 rated at - R and U9, needless to say I was
shocked, and moved very quickly.

I got 4 of them resolved; the Companies have all sent me either apology
letters or correcting the error and sending me a report to that effect.
However, I am facing a problem with ATT cable and ATT wireless; both are
now owned by other companies like Comcast cable and Cingular Wireless. I
have paperwork, for the both of them, but it has been impossible to get
any form of resolution because I get shuffled back and forth between the
credit agency and the companies. Any clues on that.
- I wrote them numerous emails, called them so many times, the facts in
their system even reflect my statement, but they simply refuse to issue
me a letter or a point of contact to deal with.
What can I do in this situation?

Date: Thu, 28 Jul 2005 09:47:11 -0700
From: Bobo Majors
To: REAL PERSON
Subject: RE: Spam:Re: hi - your credit website

when a company is bought out so are the debts and assets.
your debt or assest or mistake was passed along then put into like a mass
grave site. Many of these items will come right off with a dispute form.
I'd try dispute form then see what happens.
------------------------------------------------
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My Credit History
Repair credit report free
Free credit report dispute Form
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check my credit with out my permission

Quoting realperson.com>:

If I have an account that is already in collection/default, can that company check my credit with out my permission? They have checked my credit several times in one years!
thanks for all the great advice on your site.
REAL PERSON

Im not sure about the law
I do know people do that sometimes to track people down

Bo thanks for all the free credit help information. I raised my credit score 100 points

Bo,

Thanks for the great information on your web site. Once I read thought your site I began working on my credit reports, with the help of Lexington law from your link. Short story, in four months I have raised my credit score from 515 to 615. Thanks again for the great info .

Brad

I am marked as dead on credit bureaus dat banks. What do I do?

Quoting real person@sbc.net>:
I have read a lot of your material and found it useful. I am dead according to some obscure entry somewhere! I had a motivated lady from a mortgage company assisting me and we traced it to JC Penney. We finally contacted JC Penney and had them send a letter to the "Big 3" (credit reporting agencies). I still have some agency reporting me as deceased, and therefore can't get a Beacon Score and am unsure what to do now. Any ideas?
real person.

from bo majors
go to the social secutrity office and get a card
get a drivers license
get a phone bill
and insurance card
and mail them to all three agencies

then I get some credit somewhere that reports to bureaus or I don;t get the loan from them. Period

931-455-0660 w
www.russellbarnett.com Work
www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
www.oskie.com Football

New good credit letter for free

Quoting realperson@aol.com:

To whom it may concern,
hello, my name is darryl jones. i've looked at your site for a coulpe of days. I'm trying to download this link off webpage. I need this page to start some good credit. Thanks for the valuable information you are giving people. other people charge for the information that you give.
thanks,

real person

Click here for the I want to open new good credit.

Thanks I'll get that one fixed today

931-455-0660 w
www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
www.oskie.com Football

Free Credit Reports, Free Credit Scores, New FTC law

Everyone in the USA is entitled to one free credit report per year from all the consumer reporting agencies. If I desire more or want it fast I can get a report in a bunch of ways.
1 I can mail this letter to the bureaus and get one by mail in about 14 - 30 days. The FTC advocates mail as mail is more secure.
2 Free credit report usually means I buy a credit moitoring service for about 80.00 dollars and get a free report and some live help to questions. If I cancel this service before 30 days I get to keep the report free. So buy monitoring and get a 1 bureau report free.
3 Buy a one bureau report straight out for about 9.50 and add another 5 to upgrade and get a score.
4 Free credit score when I buy the comprehensive 3 bureau report I get a free credit score to go with it. About 35.00

So I can snail mail once per year for Free. 14 - 30 DAYS
I can buy monitoring cancel within 30 days and keep a free credit report. NOW
I can buy one report and upgrade to a score for about 15.00 NOW
I can buy a comprehensive 3 bureau report and get a free credit score. NOW

Deletion letter, pay bills, collections, Pay it now help my score?

Hi Bo,
Thanks for the information on your great site. I was wondering if you get a chance to give me your opinion about this problem. I have 2 co. listed on my credit report under collections for the same bill which I am disputing with the original vendor. Both co no longer are contracted by the vendor to try and collect the bill. What is the best way to get them off of my credit report asap? Should I contact the collection agency myself and ask for a letter or should I just go through the 30 day
dispute process or both? Also, I purchased 1 report directly from Equifax, will a dispute online work ro do I need to send them a letter?
Thanks so much for any help and ideas you can provide. Feel free to post it.
Sincerely
REAL PERSON

Sent: Thursday, June 23, 2005 9:09 PM
Subject: Re: Quick question
I'd dispute them first and list the non contractor for original bill as reason for removal. It's like they are ot of business. They should not be allowed to keep your records if not under contract. Which would mean the account should be removed. At the very least they ae duplicates and one should go. I advocate mail as piece of mind mean more to me than getting a piece of them.
Just mail sit back and don;t get frustrated or waste time

Thanks Bob for the personal reply and taking the time to share your wealth. Not sure what this means "I advocate mail as piece of mind mean more to me than getting a piece of them." Also does disputing online not work as well as hard copy mail? Since I am in a hurry to boost my score I thought it might work best. Which is also why I was going to contact the contractor to optain a deletion letter.
Thanks

Sent: Friday, June 24, 2005 9:24 AM
Subject: Re: Quick question
A deletion letter is perfect. yes The hassle of on the web i have found is not worth the time unless of course your "very good". Piece of mind means i just "set it and forget it". Gather my belongings, sign them, make copies, and mail them.
Thats settting it then forgetting it.
Hurry? You can do it I'm sure.
If you find it an easy fast in a hurry task please post how you did it like i have.


Quoting REAL PERSON
Thanks again Bob for your help. One last question is about a small collection thats on my account for $286.00 from 6 years ago. If I pay this off will it help or hurt my credit score?
Take Care

Date: Tue, 28 Jun 2005 14:57:03 -0700
From: Bobo Majors
To: REAL PERSON
Subject: Re: Quick question
I belive a person should pay all they're bills period.
Will it help?
Probably not much if it is more than 2 years old already.
But it sure does look and feel good.

Redate, Fair credit reporting, collections, seven years limit

Quoting REAL PERSON>:

Hello Bo,
My name is REAL PERSON, I am 26 years old and I need some help. I have heard so many different things out there that conflict and I am hoping you can help shed some light on them for me. First, I have two items on my credit that I never paid back when I was 18 years old. I was having some trouble then and I didn't ever pay them. I was told at the time it would take 7 years for those items to come off my record. It has been longer than that and the items continue to be redated and updated by the creditors. OR they are sold to another one and the date moves up again. My question is in regards to the 7 year rule. Is the seven year rule in reference to when the account was first reported as being negative? is it when its sold and re-established by another company? or does it start from the date that you pay it? I would like more information, like a reference site, or somewhere where I can find the actual letter of the law.
If you can help I would appreciate it!!!

Warmest Regards,
REAL PERSON

Real Person:
This is the most dangerous game played by creditors along with bureaus who alow this practice. Selling the debt to another company is the most common form of redating I know. 7 Years start from the date of last activity on each account. So the first account should come off for sure. The letter of the law is found here and the letter favors #1 creditors, #2 bureaus, #3 smart people who have been defrauded and the like, and #4 people who don't pay there bills on time occaisionally, or had an illness or problem with a job and probably don't have a computer to see the law. The last (#4) being an oxymoron. These people need help. Almost all people have no idea what to do about bad credit and how the process works. A person disputes a credit entry to the bureaus and they in turn contact the creditors to verify the good or bad credit. The creditor then must respond within the 30 days of the BUREAUS request not yours either verifying or denying the credit entry. If they do not respong within 30 days the item should be removed.

Now if you read that ftc thing, you will notice nothing about collection redating. And you will not unless the ACLU or an enormous number of consumers get togther to make a change.

What is happeing to you is wrong and should be outlawed. But I don't think there is a letter of the law you can stand on.

Disputes Dispute, Duplicate, Merged, Inaccuarates

Qoting REAL PERSON>:

I've pulled copies of all 3 credit reports,on your form I printed off were it says company name, do I put the creditor, or the the original creditor on the dispute form. The items that I have that are duplicate should I put them all on one form the balances are each a couple of dollars different with different account numbers.
Does it matter how many items I dispute at one time. Are there any laws or rules I should cite on the forms, that may be helpful or just dispute?
Thanks for your help

Date: Wed, 22 Jun 2005 21:39:39 -0700
From: Bobo@oskie.com
To: REAL PERSON
Subject: RE: credit repair
just dispute
dispute the old entires first as duplicates. The original creditor.
No rules
I would dispute in waves and dispte diffeent items each time
good luck

-----Original Message-----
From: Bobo@oskie.com [mailto:Bobo@oskie.com]
Sent: Tuesday, June 14, 2005 1:22 PM
To: REAL PERSON
Subject: Re: credit repair

the car is a done deal
the other should be able to be disputed as duplicate accounts you might
need some paper work to prove though as creditors routinely use
preditory practices to extact as muc money and pain from you as possible


Quoting REAL PERSON

I just turned 26 and my credit is a mess, your website is helpful on things I did not know but I really still need some help here. I have not yet sent off for a copy of my credit reports (I will today) I know I have one creditor on my report for a very small amount who ran the same think through several times for different amounts how can I get all those removed. Can I get inquires removed myself? The big one I was wondering about is my car I am still paying on my car and it shows I went 60days past due can I get that off my report? It brought my score down quite a bit. Sorry for just throwing all the questions at you but I am finally serious about getting my credit repaired and I see its going to be a process and I just need a little help, any info you can help with will be appreciated.
> >
Thanks REAL PERSON

Equifax Phone Number and credit help

Quoting REAL PERSON

Hi I was wondering if you could help me. I have my credit report and because I did not order it from Equifax, the number on the bottom is invalid. All I need is two addresses of accounts on my report, and they won't help me! You're right, it's a nightmare! They won't give me the correct number to call unless I order a report. I try to order it, but then they start talking about a membership, and Im afraid my credit card will keep being charged.
Can you help me?
I appreciate your help! Its an emergency
Thank you,
REAL PERSON

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493


Date: Wed, 22 Jun 2005 12:37:54 -0700
From: Bobo@oskie.com
To: REAL PERSON
Subject: Re: Help-A question about my credit
If you want an address just use my dispute form.
http://www.oskie.com/credit-dispute.htm
Dispute it formally
and presto
you either get the info
or the item is removed
takes about 14-30 days for a response.
yes I know Im Right
I have done it.

Credit Help

Collection, redating, paid in full, increase score

Really the best way to get paid as agreed and in full is by negotiating with the original creditor in the first place. Once you dispute then everything becomes sort of final. Will it help your score? Probably not very much. It still shows as a collection, but you did get the money out of the past due column. Another note that might hurt is the item might have been redated and now your seven years to fall off starts now, and the 2 years till diminished negative or positive effect to your score.
The name stuff I would dispute again and possibly place a fraud alert on my file. Your name could have been misspelled by accident or someone may have been trying to open credit with your name and misspelled it. Credit reports have become one of the most important part of a persons life and should be guarded like a child.

Quoting REAL PERSON :
Hey Bobo, thanks your help earlier. Now I sent off my letters and Trans Union surprisingly responded already. They sent me an updated copy of my credit report. 1st, my name is wrong, damn idiots. 2nd, the status on the item was changed to PAYMENT AFTER CHARGE OFF/COLLECTION. Does that improve my credit rating at all? Should I try again to have them change the status to PAID IN FULL OR AGREED? How many times should I keep trying?

Bobo@oskie.com wrote:looks great to me
maybe too much
but what the heck

Quoting REAL PERSON :
Thanks Bobo. Just a few more, sorry for all the questions. I check my credit report, actually all 3, and there are are not public record of legal items. Should I only send a copy of the the Paid In Full letter? Or should I also include a copy of the certified check, as the amount that was paid is less than the amount of the actual debt, will that matter? Or is that not enough evidence for the bureau to make any changes? Below is the letter I have constructed using various sources. Do you think I need to make any adjustments to it? Thanks for all your help.
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
June 10, 2005
Attention: Credit Disputes Department
Dear Equifax:
Enclosed please find a letter from Pressler and Pressler representative of New Century Financial that states Chase MasterCard account:
******************* has been PAID IN FULL.
In addition, I have enclosed a copy of the certified check in which was paid to Pressler and Pressler representative of New Century Financial.

Please amend and delete this item from my credit report to reflect this account is in good standing. Please make this correction within the required time frame, 30 days, of the Fair Credit Reporting Act, and supply me with an updated copy of my credit report.

Thank you for prompt attention and timely cooperation on this matter.
Sincerely,
Enclosures: Paid In Full Letter, Copy of Certified Check

Bobo@oskie.com wrote:
if you know its only on one bureau then deal with them only
it probably shows settlment
i cant see you report so all i know is very little about your report
if it only shows a settlment 7 years if it shows up in the legal section its 10 years you can dispute ANYTHING and yes. Bad credit sucks.

Quoting REAL PERSON :
Can I dispute the item even though I paid it off? So it is still a legal item despite being settled out of court? This sux. Will all three credit agencies have this or should I just deal with the one that the collection agency reported to? Thanks again for your help.

Sincerely,
John
Bobo@oskie.com wrote:

----- Forwarded message from Bobo@oskie.com -----
Date: Tue, 7 Jun 2005 05:15:08 -0700
Subject: Re: Bo - Need some advice on "Paid In Full" letter

My first thought is you have a legal item on your credit report which means 10 years. Do you have your report. If not get one NOW! I would dispute the item and marked paid in full after i tried to dispute it as not mine. Should take about 14 - 30 days for response.
Might hire lex law
Quoting Bobo@oskie.com:
Quoting John Lewis :
Hi Bo,
I was reading your site and found that you were very informative and helpful in a "real person" manner. I was hoping you could answer my questions or lead in the right direction. I recently settled with a collection agency for an account that was probably charged off, been about 2 years to the date of my last payment. The agency had retained a law firm (or the agency was a law firm and I was issued a summons. Not wanting to go to court, I settled with them for an amount and have received a "Paid In Full" letter, as well a "Stipulation of Settlement" that was filed with the court (I am assuming with that being filed with the court, I do not have to appear). Now I would like to update and improve my credit score but I am not sure how to approach the credit bureaus. I am not sure what to include in my letter, the type of response, and response time I should be expecting. Also, the "Paid In Full"
letter is pretty generic although it has a legal header there is no signature, is that OK? Do I need to include the "Stipulation of Settlement" or just the "Paid In Full"? Can I request that that item now be deleted since it is completely paid? I am so lost. Sorry for the long email. Your help is truly appreciated.

Sincerely,
REAL PERSON

Experian Phone Number

Thanks so much for posting your experience on the Web. I've only spent a half hour trying to get in touch with Experian and I'm ready to cry or strangle someone but I can't find a body with a neck attached. I will follow your lead.
Real Person

Experian Website here
P.O. Box 2104
Allen, TX 75013-2104
1-888-397-3742

Get a report here

Employers, Addreses, Dates and scores

----- Original Message -----
From:
To:
Sent: Friday, June 10, 2005 12:19 PM
Subject: Credit Repair Question (Old Info Removal) Thanks.

Hello,
Recently viewed your credit repair website, great job! Thanks!
I have a question I would like to ask.
I have mailed all of my credit dispute forms in and I'm waiting for
responses.
My question is, I would like to remove old information such as employer info, old addresses, aka's etc. I understand that this info can cost you points on your score, how can I remove this info?
Thank-you for your time and I hope to hear from you soon!
Sincerely,
REAL PERSON

Paid Charge offs or bills

----- Original Message -----
From: REAL PERSON
To: majors@oskie.com
Sent: Friday, June 10, 2005 9:41 AM
Subject: I paid everything off


Now what can I do to have the negative items removed from my credit report. Should I send proof to the bureaus that this information has been paid off. Or should I ask the creditors to do it.

paid
and
"paid as agreed and on time"
are 2 different matters totally
The former will get a marked as paid but still the lates will show up.
paid as agreed and on time will remove the negatives and increase your score.
i would suggest marking them
NOT MY ACCOUNT and hope for the best
at the very least you will acomplish what you wish in that upon contacting the creditor your account will be updated as you wish. PAID.
At the most you might see it fall off completely.
Bobo Majors

Unauthorized credit report inquiries

Someone has been accessing my credit report on line and viewing it without my consent. A family member--told me outright! My question: does Equifax, Experian and Trans Union keep track of how many times it sends out an individuals report and to whos mailbox it it received in? Other than my bank mortgage person who pulled my report recently which I gave verbal permission too---this invasion of privacy, if in fact this family member did pull my report, has got to stop. Help--thanks REAL PERSON


These should show up as inquiries unless they are doing it online which is unlikely in that online report require a matching credit card to go with the social and personal info.
Bobo Majors
931-455-6066 Work Russell Barnett KIA

Unauthorized Credit Card use and collection redating

Sounds to me like one big mess that you decided to take credit for when you should not have. Credit cards are supposed to be signed on the back and verified buy merchandisers. But as we all well know we can go to the gas station or even Wal-Mart and just SWIPE that card and off we go. the credit card issuer is not at fault and done all they can considering you will not file on this man.
If it has been a long time since DATE OF LAST ACTIVITY i.e. payments made by you. Then the item should fall off in 7 years. If the collection agency is re dating the file, you might go to the BBB and file on them to stop the harassments.
Bobo Majors
931-455-6066 Work Russell Barnett KIA

From: REAL PERSON
To: majors@oskie.com
Sent: Thursday, June 02, 2005 10:19 PM
Subject: please help


I have read your info with enthusiasm and thank you for being kind enough to do this. Wanted you to know this right away. I do have a problem that I need some coaching on. Firstly, sir, I am not a deadbeat. I take my responsibilities very seriously and honor them. My credit report reflects that I paid off debts of over $2,000.00 and over $3,000.00 in one fell swoop and in full. They were my sebts and I wanted them gone. In late 1998 or early 1999 (I can no longer recall), a farmhand working for me, used my card (I always stupidly left it lying on my kitchen counter so it was handy when supplies came) used it without my permission. He was not an authorized user on the card and I can't believe that VISA allowed him to make purchases with my card without verifying same, but they did. The stores he ordered from allowed him to do this also. When I contacted VISA to work this out: offering to return the merchandise and asking what proof they needed of return and taking them to task for allowing this, they refused to help me stating that if I would not pursue fraud charges against the man they were not interested in helping me. I would not do that as the man had a family, he did a stupid thing and I believe that human beings deserve 2nd chances. The man offered to pay Visa if they would give him the credit for doing so. They refused. I refused to pay them for something I did not do. The companies were willing to take back the merchandise but as Visa would not credit my account, this would do me no good. I was in a hole. I still have the merchandise, never used in the original cartons. I tried to sell it to make the money to pay them and was never successful. Then the company went out of business. To finally shorten this letter, my question is this, bad debts come off in 7 years from date of last activity. What does that mean exactly? I am waiting for this to come off my record. I have disputed it 'til I'm blue in the face to no avail. Of course it went to collection a long long time ago and I have handled their insults and harassment for all these years. I have offered them the merchandise. I am now just waiting them out. But last activity bothers me since when I read the credit report they are always showing some activity on the account that is recently dated. Does this ever stop. Way back when this 1st happened I put a dispute form into my file with all the letters and documentation between me and Visa and I update the dispute frequently. Is this ever ever ever going to be off my record? I don't want to burden you, sir, but I am ill with cancer and in a fight for my life right now. I just can't keep fighting and I do not want this mark on my record. I use credit very sparingly and respectfully and this really bothers me. Can you please advise? I will be very grateful. Respectfully, Peggy Ann Lewis

Lex Law and credit repair

INBOX
Empty Trash
Date: Tue, 7 Jun 2005 05:06:56 -0700
From: Bobo@oskie.com
To: REAL PERSON
Subject: Re: about bad credit
Quoting REAL PERSON

Dear Bo,
I have hired someone to do the bull crap for me. Lexington Law. Much easier than me doing it myself. But i wanted to let you know that you are right.
I tried it the other way. Took to long. Had a BK back in 98'. And well to make a long story short, everything was showing up on my credit under the BK as open and still oweing. Since I have hired this company. 1/2 of the crap under the Bk have been totally illimated. I went from a 425 beacon score 4 months ago, to a 650 beacon score now.
The best thing is that when I go to buy a car now. I get told look at anything you want "No problem" Instead of the "you can look , but not drive" And the "Gee i will be right back" And never see the guy again. Anyway nice to see someone out there helping people to get their life together. Have a nice night.

God Bless
REAL PERSON

They do know the ins and outs.
Some things they can help with that real people can't even thing of.
If you figure in your time and anguish, Hey Lex Law

Paid in full on a legal item

Quoting REAL PERSON
Hi Bo, I was reading your site and found that you were very informative and helpful in a "real person" manner. I was hoping you could answer my questions or lead in the right direction. I recently settled with a collection agency for an account that was probably charged off, been about 2 years to the date of my last payment. The agency had retained a law firm (or the agency was a
law firm) and I was issued a summons. Not wanting to go to court, I settled with them for an amount and have received a "Paid In Full" letter, as well a "Stipulation of Settlement" that was filed with the court (I am assuming with that being filed with the court, I do not have to appear). Now I would like to update and improve my credit score but I am not sure how to approach the credit bureaus. I am not sure what to include in my letter, the type of response, and response time I should be expecting. Also, the "Paid In
Full" letter is pretty generic although it has a legal header there is no signature, is that OK? Do I need to include the "Stipulation of Settlement" or just the "Paid In Full"? Can I request that that item now be deleted since it is completely paid? I am so lost. Sorry for the long email. Your help is truly appreciated.
Sincerely,
REAL PERSON

Date: Tue, 7 Jun 2005 05:17:06 -0700
From: Bobo@oskie.com
To: Real Person
Subject: Fwd: Re: Bo - Need some advice on "Paid In Full" letter

My first thought is you have a legal item on your credit report which means 10 years.
Do you have your report. If not get one NOW!
I would dispute the item and marked paid in full after i tried to dispute it as not mine.
Should take about 14 - 30 days for response.
Might hire Lexington Law Firm

Can't find a Creditor that show late on my report.

Quoting REAL PERSON
Hello, My Name Is Chantel Godin, I was wondering if I can get some help from you, I went and got a credit report done in April 2005 and on it shoed I am owing someone 1200 dollars from June of 2000 and I have called credit personals banks anything to see what it's from and I'm not getting anywhere.
I'm not sure if you can do anything for me but if you can it would make my day
Thanks

Make your own day by disputing the item with my Credit Dispute Form
http://www.oskie.com/credit-dispute.htm

Debt Management and Credit Scores

Quoting REAL PERSON
Hi Bo,
For the past 4 years, I have been enrolled in a debt management program. I have been very successful in paying off most of my creditors. Actually, I started out w/ 7 creditors and I am not down to 2 that still have balances. Do I need to do anything (such as fill out a dispute form or contact the creditors directly) so that most of the creditors can take off the bad credit from my credit score? I am in desperate need of improving my score. Any advice that you can offer will be great.
Thanks. Real Person

Bobo@oskie.com wrote:

Debt Management helps you with debt not scores.
Many times a debt will show settled, or in debt management and will still show the lates.

My best advice would be to
1 open up some new reportable accounts and pay well
for 2 years.
2 dispute all the bad debt and hope for the best
3 if they do not come off, add a comment to each with a letter
4 hire lex law and see if they can help

7 Years from date of last activity bad credit falls off. Matters of law 10

----- Original Message -----
From: Real PERSON
To: majors@oskie.com
Sent: Monday, June 06, 2005 11:36 AM
Subject: Question
Saw your web page. Cant get anyone at Experion, maybe you can shed light on one or two questions for me.
a) i'm showing one or two 30 and 60 day late payments from 1995 and/or 1996 ...I thought these were supposed to "fall off" after 7 years?
b) how come when you order a credit/fico report from Experion it says one thing, 687 for example, but when my bank gets a compiled report which includes an Experion score generated the very same day, it says 625 for example!
I can't find any way to contact Experion to ask them these general questions!

Thx in advance!
REAL PERSON

a The lates should come off if the date of last activity shows 95 / 96. Start dates are in different columns than last activity date.
b Experian Trans Union Equifax all have different data. My company subscribes to Equifax only. If you have multiple credit streams there will be a different score since they all use one of the 3 but rarely all. The scores measure in simliar ways but are all branded. Just like Chevy Dodge Ford trucks all call they're 4 door trucks a different name even though they do the same thing.
Read These Pages The 3 Main bureaus for phone numbers and the like.

Bobo Majors
931-455-6066