my credit score is 571. How bad is that? I need a way to get a mortgage.

REAL PERSON
Hi,
I just found out my credit score is 571. How bad is that? I need a way to get a mortgage.
-------------
From: Bobo Majors
You need a 640 minimum...so pretty bad.
Pay down debts to 80% of limits
Dispute all bad stuff
Pay off all old debts
Ask for removeal if you pay
-------------------
Is bankruptcy an option?
-------------------
Not for getting a mortgage
But yes it is always a option
-------------------
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paying off old debts on your credit report, help you or not

Would like to know, paying off old debts on your credit report will help you or not. or should you concentrate on building new credit by establishing new accounts and paying on time.
-----------------
That is a dependant question. How old? How much? How many? Can any be removed
totally if you pay?
Credit is 70% weighted toward 2 years from today so; recent "rated"(at least
1 year on the books) good credit is ones best asset for credit score recovery.
---------------
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Credit Card account missing, reported differently between bureaus

Hi..
Ok I need some help, and if yoou can't help me could you refer me to someone who can?
Two yers ago I ran off my credit reports and I have this credit card, that my husband and I have had for at least 3 years. Well it was on there, reported to the agencies.
So a few months ago I ran it off again and it wasn't on there at all. None of the agencies. AFter I disputed some stuff with the two (trans and equifax) i got an updated one and its not on there. haven't checked experian yet.
Also, about these accounts i inquired from you earlier...Trans Union is reporting the date closed for both of these accounts in 2000, and Equifax is reporting both of those accounts closed for 2002.
Equifax is going off of the date that i paid them and settled the debt, but Transunion is just going off of the date the account is closed...
Transunion told me equifax shold be reporting from the date the acct was closed eithe rfrom the creditor OR by me and that its being reported incorrectly.
-----------------------
Call the credit card company and ask them if they are reporting your account
to the bureaus and if so which ones. Dispute the account with equifax saying account reported in error and include a copy of the correctly reported report with the account in question circled as evidence.
Use the free universal dispute form on my website
--------------------
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How does updated reporting of bad debt work? One of our creditors

Bo
Wow, even after researching my dh's and I's credit for several years now, I have learned more on your site than I thought I could know.
Thank you!
Here is my question...
How does updated reporting of bad debt work? One of our creditors continually reports our bad debt. It was a bank chargeoff that does note in our report that we paid after chargeoff and collection, however their reporting is listed as being reported every month - recently ITEM LAST REPORTED at Transunion was June 30, 2006! It unfortunately does not show the date of that payoff, nor the date of last activity with them. It only shows that the account was opened in March 2001 (which is not correct, that is simply the date the collection of the account was started). I believe this debt was paid off in 2001 or 2002.
Thanks for reviewing this for me!

Sincerely, REAL PERSON
-----------------------
I think credit reports have different ways of showing results depending on
which website or which bureau is pulled. Each data entry SHOULD show a "DATE OF LAST ACTIVITY" which is different than date of last update or reporting by the creditor.
I would want to clarify this point of contention with a dispute form marking account status incorrect. Then state what the account status SHOULD show and see what happens with your dispute.
If this does not help at all put a 50-100 word attachment on your credit file stating your case. This will not help your credit score but will help creditors with correctly reading your credit report. The file should show 0 balance owed if it was a charge off, but if the account is 4 years old it should not affect your credit a whole lot if your have open good credit right now. The 2 years back from todays date has the most weight on a credit report.
-----------------------
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check your credit first to see is you are a good candidate for there credit cards so does this hurt my credit everytime a company does this check

Quoting REAL PERSON realperson@Comcast.net>:
I know that buy canceling a credit card it dings you credit score but what about all those credit card offer for credit card you we get in the mail. I am assuming that the companies check your credit first to see is you are a good candidate for there credit cards so does this hurt my credit everytime a company does this check
---------------
No it does not.
They do not check your credit before they send out the offers. The offers imply your credit has been checked and approved but that is not the case. What happens is the bureau provide lists that have people in groups of positive score ranges. Because the scores change everyday in some cases, each credit has to be checked with an application. So you may get a pre approved card but get turned down when you send in the application.
---------------
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raise my Credit Score from 586 to 650 or more in 2 months

Quoting REAL PERSON realperson@hotmail.com>:

Bo,
Need to raise my Credit Score from 586 to 650 or more in 2 months. Have contacted all 3 credit bureaus online and got my FREE online reports to "dispute" what I needed to, but all the responses are merely stating the creditors are in "conformity guidelines" of the FCRA. I did NOT submit any written requests, but was wondering if I would get best results by doing so or just callilng them?
Also, If I pay off a "collection" account or bad debt turned over to "collection agency" then will my score go up right away or not? Does your Credit Score go up at all after a BK (i.e. Ch. 7) is removed after 10 years listing (i.e. my 1st BK of 2 is scheduled to come off in Sept/Oct of this year).? Final question,
How much do you charge to clean up my credit?
-------------------------
You are supposed to be able to get a free report at annualcreditreport.com
I could not get mine. You mail a letter and ask for one. I find it easier to use the online freebies....sign up for credit monitoring and get all three reports and score here....then cancel before 30 days....
It depends on the collection....sometimes the score will go up for owing less money...sometimes it will drop because you have a new, more recent date of last activity.....if it is real old it will probably not help to pay... I suspect it is more than one collection and possibly something fairly new, late, or more than 80% owed against high credit limit....
The chapter 7 drop should help 20 points or so...
I do not charge for anything...its free
-------------------
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how long does it take for my credit score to reflect a paid off or paid down credit card

Quoting REAL PERSON realperson@rr.firstallied.com>:
Bo, how long does it take for my credit score to reflect a paid off or paid down credit card?
------------------
1 week to 1 month..depending on the speed of the reporting creditor...
-------------------
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credit cards, keep your loan balances below 80% of their total

REAL PERSON@yahoo.com>:
Hi,
I saw on your advice site that you should keep your loan balances below 80% of their total. I assume this theory applies to credit cards, too, yes? Also, is there any reason to keep an inactive credit card open? Will it help my credit to close the credit cards that I don't use (mostly store-type ccs).
-----------------
Yes the theory applies to credit card balances also. Even more so. Inactive credit cards can hurt a credit rating if you have a whole lot. The Sears, Lowes, Dillards cards hurtthe most in that they look like local finance company credit. Most people with good money skills will use a regualr Visa, Mastercard, Amex to buy from these companies.
-------------------
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What should I do to get judgment off my credit that is inactive

Quoting REAL PERSON
I had a judgment against me but before it went to court I paid the money owed .I tried to get a loan and they said that I have a judgment on my credit that is inactive .I called the court and they said is was released and satisfied that for some reason it still shows up inactive. What should I do to get this off or corrected
-----------
Use the free dispute form.....
say status in error no judgement.....
talk to the court and explain what you are doing...
http://www.oskie.com/credit-dispute.htm
-----------
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eviction on me, judgement listed against me in the apartment favor

Quoting REAL PERSON
Dear Sir,
I noticed that you said that matters of law cannot be removed from your credit report, but I have a question regarding if I have a case on a matter that affected me a couple of years ago.
I moved into an apartment complex in April 2004, June I was injured while at work when I stepped off a curb and severely hurt my ankle. When you are working a job as a new car salesman in a 100% commission sales position, if you are injured you cannot work.
Anyway, I approached my apartment complex and let them know that I would probably be a little late with my rent because my sales were impacted because of my injury and the economy was tough enough as it was and people were just not buying new cars hardly.
They filed for eviction on me, I received a letter from the County Courts telling me that the complex filed on me. Furious, I confronted the management and they told me if I moved out of my apartment before the date on the letter then there won't be any consequences.
I moved out after trying unsuccessfully to come up with the money so I would not have to move. I recently got my credit report and I found two things that really made me go ballistic. #1 The county has a sort of judgement listed against me in the apartment favor. #2 After being in the apartments for barely two months and they made me move, they are requesting I owe them almost $3,000.00.
This is just wrong deceitful and down right scandalous, you mean to tell me there is nothing I can do? I was victimized and lied to. I like to know am I screwed, can the FTC intervene here or is there a way an attorney can fight this for me.
Regards,
REAL PERSON
--------------
This is the typical lease aggreement consequences....
All I can say is you are obligated to pay them under the terms of the lease and by law they can do just as you have stated. If you pay them or get back in they would take the item off your credit I think.
Sorry I can not be of more help
----------------
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Transunion keeps asking me to give them a file # when I call

Quoting REAL PERSON
Transunion keeps asking me to give them a file # when I call. I ordered my report online and I do not see a file# anywhere. I also need this file # to dispute information.
This is very frustrating!!
----------------
You need a file number to talk to a real person....
You should not need a file number to use my free universal dispute form
http://www.oskie.com/credit-dispute.htm
I think TU has a online dipute form ..... you do not need a file # there
either...i think.....
they want the file number to market buying the report directly from them
rather than a third party TU report.....
----------------------
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United Airlines, Chase credit card. show 90 days late on my credit

I have a United Airlines, Chase credit card. They sent me a solicitation for another one and I would get enough miles for a free round trip ticket so I think I agreed. But when it came I did not use it, because I thought I did not want the hassle of another card. I have the original paper and cards that came with it. Instead I decided to order a card in my son's name and I think my husbands for them to use, but it came with the new account number, which I did not want, and I did not realize it until my son said his card did not work. I called Chase to see why it did not work when I know the account was paid and that is when I realized what happened. They told me they have never received one payment since the account opened. I told them I was unaware of the account being opened because I had changed my mind and thought it was not being used. No one ever called and didn't they think it was odd that I never made one payment when my other account is paid on time every month? I did not pay attention to the statements, which I only have one out of the three months, because I look at my purchases and make all my payments on line which they could verify .They told me it is going to show 90 days late on my credit.
I was very upset and we were leaving on vacation, so I paid the whole balance right then on the phone, which was $6000.00 to stop it and now that I am back and I want to get this off my report. I have not looked at my credit report for awhile, so I in fact do not know what has been reported.
We were victims of identity theft 7 years ago and it was still going on until a couple of years ago. We still have a couple of negatives from that which we were not able to get off. So I do not need any thing new. Prior to that our credit score was around 800.
Can you give me some ideas?
Thanks. REAL PERSON
----------------------
The best thing I know is what you have already done bargain with chase....
One other idea is to place a 50-100 word explanation on your credit report for the lates....Just state your case so when someone pulls your report they can see what happened without an explanation from you on the spot...
Just write the letter and mail it to all three bureaus asking for attachment...

Remember that after 2 years pass the lates will not affect you as bad...I would pull my report and see what it looks like though.....If you are 90 days late it will also show 30 days late and possibly more than 1 time 30 days late.......

One might bargain to have ONE or 2 of the lates removed....or after a period of time have them all removed since credit cards normally only report for 24 months....I would keep the credit line open though...the first re action is to close the account....it actually looks better to get some CLEAN TIME after the lates.....it also keeps the credit company invested in your business.....

hope this helps....
---------------------
Quoting realperson@aol.com:

Hi Bo:
I can't believe it I took your advice I begged chase to take the late payment off my credit report and to my surprise they DID! It was an amazing feeling, my loan officer is going to proceed with the finance and all looks good! Thank you for replying to my e mail
REAL PERSON
---------------------
Thank YOU for letting me know that I can help people from time to time...
Always remember to stay humble but diligent and things might work out...
you did the work and deserve the credit....
way to go.....
---------------------
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matters of law cannot be removed from your credit report

Quoting REAL PERSON :
Dear Sir,
I noticed that you said that matters of law cannot be removed from your credit report, but I have a question regarding if I have a case on a matter that affected me a couple of years ago.
I moved into an apartment complex in April 2004, June I was injured while at work when I stepped off a curb and severely hurt my ankle. When you are working a job as a new car salesman in a 100% commission sales position, if you are injured you cannot work.
Anyway, I approached my apartment complex and let them know that I would probably be a little late with my rent because my sales were impacted because of my injury and the economy was tough enough as it was and people were just not buying new cars hardly.
They filed for eviction on me, I received a letter from the County Courts telling me that the complex filed on me. Furious, I confronted the management and they told me if I moved out of my apartment before the date on the letter then there won't be any consequences.
I moved out after trying unsuccessfully to come up with the money so I would not have to move. I recently got my credit report and I found two things that really made me go ballistic. #1 The county has a sort of judgement listed against me in the apartment favor. #2 After being in the apartments for barely two months and they made me move, they are requesting I owe them almost $3,000.00.
This is just wrong deceitful and down right scandalous, you mean to tell me there is nothing I can do? I was victimized and lied to. I like to know am I screwed, can the FTC intervene here or is there a way an attorney can fight this for me.
Regards, REAL PERSON
---------------------
This is the typical lease aggreement consequences....
All I can say is you are obligated to pay them under the terms of the lease and by law they can do just as you have stated. If you pay them or get back in they would take the item off your credit I think.
Sorry I can not be of more help
--------------------
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My goal was to refinance my house

Quoting realperson.com:

Hello Bo:
My past credit history isn't the best, because of a bad relationship several years back my credit score went downhill mainly because I couldn't afford to make the payments on time. My credit score 2 yrs ago was in the low 500's. Two years ago I was able to buy a house, my financial situation improved, I been paying all my bills thru automatic bill pay thru my bank. Everything was going good! My goal was to refinance my house in June of 2006 ( I bought in 2004) my credit score went up to 640 and getting better all the time. I wasn't making ONE late payment!
About 6 months ago. My mortgage company sold my loan to CHASE mortgage. I mailed the first few payments on time. UNTIL! because I was determined to pay my bills on time I decided to enroll in CHASE'S automatic deduction payment service. I HAD NO IDEA THAT WAS GOING TO BACKFIRE ON ME! I sent all the forms to CHASE, next thing I knew I was a month behind.
THEY DID NOT INFORM ME THAT IT TOOK THEM 45 days to process my enrollment! The
> money was in the bank for them to take when the payment was due I WAS IN EUROPE FOR 15 DAYS and when I came back I got a call saying that I was a month late and that they were going to report it to the credit bureau. ( I immediately paid the outstanding balance for 2 months) I DIDN'T NOT RECEIVED A PHONE CALL OR A LETTER OR E MAIL telling me how long it took. I am a university student and I had planned to use the refinancing money to go to dentistry school very expensive!! I have been waiting until now JUNE 2006 to do this.
and precisely THIS MONTH! my credit score went down to 590 because of this! I was shocked my loan officer informed me that he cannot qualify me for the loan that I so desperately needed. I am in a state of shock! My future depended on this. I had plenty of money in my account at the time ( when I was out of the country) so making the payment wasn't a problem at all. What can I do about this problem. All I wanted was to make my payments on time, had I known this was going to happen I wouldn't have never let them (CHASE) screw me up like this.
Can you please offer any advise to me? like i said my future depends on it! thank you so much
REAL PERSON
--------------------------
This is something that can only be remedied through Chase....
It sounds like you exhausted all avenues with Chase already.....
Try to reason with them again....
--------------------------
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I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up

Bo
Thank you for taking the time to read this and offer your help. I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up. Nothing has changed I paid my mortgage on time and just went to get a refinance and now my credit score is 580. This is after 8 months with Lex Law firm and many things are not supposed to be on there. I thought by hiring lex law firm that I was takign the right steps but credit score has actually went down. The people at lex law firm told me that many of the banks I just went to wells fargo use old credit reports. They said that info is more then likely at least 3 months old. Can this be true that the when banks run your credit check the information they get is at least 1 to 3 months old this answer made not sense with me. I have been paying these people to clean up my score for 8 months and now it is actually down. What can be done?
----------------------
I am not sure without seeing everything on your credit file and knowing what they might have worked on.....I do know that one can do most things without paying for a credit repair company but other might need the expertise to get stuff done.....stuff done.....I would wonder if you have not possibly had a late payment or a few inquiries or gone further indebt on an existing account. All three will make your score go down some.....30 points is not a huge fall.....SO I would hope lex law was of some help but one mus remember just because we pay someone money does not mean our credit will get better.....some accounts cannot be changed, removed or updated no matter who works on it....yes it can be true..
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I still have things on my credit report that are reported as a right off. That I paid with a loan from 99 I have the payout sheet from the mortgage company the account number even match. I would think things like this are correctable? IT is not only not true but have been paid off since 99 and I have the closeout from the mortgage company to prove it.
---------------------
If it is marked 99 it should fall off this year anyway
write offs or charge offs still show as bad credit but paid....the account should reflect paid but at this point it will fall off soon i would expect....of course the date of last activity should aslo show 99...

I would suspect something far greater to be of detrement than this account since scores are weighted more towrds the previous 2 years of credit activity....I would not think this account would have much beraing at this point...something more must be wrong....
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debt 80% rule = an average across all trade lines? or 80% rule on "each" individual trade line

Your credit website info is fantastic! Thank you for posting this info. I'm 40...
and never knew about the 80% rule.
Do you know if the major component of the 80% rule is:

1. an average across all trade lines? or
2. 80% rule on "each" individual trade line?

It's probably both...but is the larger component an "avg across all trade lines"?
Thank you.
REAL PERSON
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The rule is for each trade line...
Not the average of all trade lines.
thanks for the compliment.
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disputed and disputed charges on my credit report and it still there

Quoting REAL PERSON
Hi Bo, I have disputed and disputed charges on my credit report and it still is there. I am fully aware that they are supposed to remove it in 30 days. However that has not ever happened what am I doing wrong?

---------------
From: Bobo Majors [mailto:majors@oskie.com]
Sent: Tuesday, May 09, 2006 1:30 PM
To: REAL PERSON

The question I would ask IS: Are they accurate? If so just disputing will not remove credit files they must be in error or maybe mistaken or old. What is the situation?
--------------

They are not mine and were done in states that I have never lived or been to
in my life.
-------------
Well I would:
1. Make sure my disputes were mailed confirmation delivery.
2. Make sure I included detailed personal information. ie. copy of ss card,
drivers license, phone bill, insurance card.
3. Keep copies and send the copies to the BBB
4. Keep copies and send them to the FTC
5. If they are being removed then placed back on later. Which I suspect. I
would place and credit fraud warning on my account regarding thos accounts and
any new credit inqiries.
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All 3 bureaus are reporting that my client is deceased

Quoting REAL PERSON

HELP, I'm not dead. . .All 3 bureaus are reporting that my client is deceased. What is fastest and easiest way to clear this up?
---------------------------
Send in a letter explaining your situtation in detail.
include a copy of:
social security card
birth certificate
drivers license
any type of other document including:
recent tax form
marriage license
insurance card

send it to all 3 bureaus by cerified priority mail
do not try to call them

here are the addresses
waste of time

Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

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

Experian
P.O. Box 2104
Allen, TX 75013-2104
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Credit Help: Why do I have no beacon credit score?

I just tried to finance a vehicle, and the bank said that I have no Beacon score (I believe it returned as “no score available”). I thought it was a fluke and went to my credit union an they said it came back the same way. They all said that they had never seen this before. Have you ever run across this? What can I do about it?
----------------
no beacon score is VERY COMMON
most of the time a person is only 18-20 years old and never borrowed money.
all other no scores come from not using credit in the past 2 years
either way it will show no score
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Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one

Quoting REAL PERSON

> Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one, the other 2 will be raised simultaneously. Most of the accounts in question are listed with all 3 agencies. My problem is collection accounts and credit card charge off. How do I determine which accounts to pay off first and therefore will raise my credit score the most. Listed are the accounts in question. Please advice in what order I should settle these accounts and if possible how many points I can expect my score to be raised by paying off the account.
Collection account- opened Oct. 2005 balance $302.00
Collection account- opened Aug 2005 balance $1137.00- this account reappeared on my credit report after removed (old credit card)
Collection account-opened Dec 2003 balance $430.00
Collection account- opened Feb 2005 balance $628.00
Returned check-opened 5/2000 balance $102.00(past due $127.00) identity theft. This account is also listed on another line as lost or stolen with zero bal.
Installment account (loan) opened Jan 2005 balance $360.00(past due$384)
Credit Card account- opened Dec 2004 balance $419.00
Credit Card account- opened Dec 2004 charged off balance $0.00
Collection account-opened Aug 2004 balance $34.00
Collection account opened Jul 2002 balance $2046.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $403.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $55.00
Credit Card account- opened April 2004 balance $509.00
Collection account- opened May 2005 balance $321.00
----------------
dispute the 2001 and older stuuf first
only dispute 4 at a time

negotiate with the other collections to have them removed totally if you pay
in full + fees

if they will not paying will not help your score much
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THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT

Quoting REAL PERSON
I BEEN WORKING FOR THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT WHEN I HAVENT APPLY FOR ANYTHING. HOW DO I GET THEM OFF MY CREDIT REPORT I PUT A CREDIT FREEZZE ON MY REPORT. HOW DO I GET HOSTIAL BILL OFF MY REPORT WHEN MY INSURANCE PAYED THEM AND I SEND THEM COPY OF IT.THERE ARE SOME BILLS ON THERE THAT ARE TOO OLD HOW DO THEY TAKE THEM OFF THERE SOME FROM 1999......

--------------
use my free dispute form
www.oskie.com/credit-dispute.htm
--------------------------
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Would it be in my best interest to accept all these cards?

Hello there, I don't know if you remember me but we had a few correspondences a few weeks back. My credit score turned out to be 670 and you recommended that I establish a bit more credit since all I had on my record was Student Loan, Capital One Card and a Dell Computer Account. Well, low and behold I got accepted to quit a few cards. (Walmart, Target, Chevron, Master Card and Zales) Which leads me to my question, if you don't mind my asking. Would it be in my best interest to accept all these cards? Spend a few bucks on them, pay it off right away and then put the card away? Would this hurt or help my cause of upping my credit score? Since I need more credit experience on my record, should I get as much as I can or just a few more??
-----------------------
the best thing to do would be keep the master card and chevron card.
I would loose the others.
then I would charge stuf on those cards and pay them off the next month and
the gas car pay extra each month to you have a higher credit limti in 12
months. you must keep the card open for at least 12 months to have a rated trade line to get more good credit
---------------------------
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How do I get this information added to my credit report

I read your online article and I have a question for you. Below is the information you asked me to forward to you.

-My Mortgage Company
-They've had the account for 26 months
-26 payments made on time
-All of my credit scores are 475

I tried to refinance my mortgage 8 months ago and I noticed that it was not being reflected on any of my credit reports (Trans Union, Experian and Equifax). I filed online disputes with all of them and they said it was my mortgage company's responsibility to forward them my payment history. I followed up with my morgage company and they sent me a letter saying I was current and forwarded me a copy of my payment history. I sent this information to all of the Bureaus and they said the information was not being reflected on my credit reports. I escalated to my mortgage company and they confirmed my name, social security number and address. More importantly, they said they send this information electronically every month to all of the bureaus. How do I get this information added to my credit report with Trans Union, Equifax and Experian when my mortgage company is providing them with the approporiate information and it's not showing up on my credit reports and is not being reflected in my credit score?
--------------------
Im not sure. I do know that a 475 reflects some serious credit issues other than the mortgage compny reporting deal. 475 is about as low as it gets without being dead.
If the compnay reported; it may raise your score but probably not up to an
acceptable level for LOW rate refi's
I would venture a guess that
1. your name and social are not on the account like maybe the account is in your parents name or something
2. the company is not reporting as they say. We need some more investigation as to why the report does not reflect payments made if a company says they report.
3. the social number is incorrect

Suggestions:
Call the bureaus and ask how this info can be manually reported and how much it will cost. Call the mortgage compnay and find out more information. Something is missing
on this question. I do not know what it is.
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does your credit score go up once it has been removed?? or not??

Quoting REAL PERSON
I was just wondering if after you have something removed from your credit report after the 7-10 years is up, does your credit score go up once it has been removed?? or not??
---------------------
if you have recent and current credit working yes
if not no
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email me the fax numbers to all 3 bureaus

I am desperate. Can you please email me the fax numbers to all 3
bureaus to REALPERSON@aol.com? Please Please Please.

Thank you so much for your help
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faxes are totally unreliable in all facets
each time i update them they change them
then you never know if they got it or can read it
send your dispute in by certified 2-3 day mail. about 3 dollars a piece
keep copies and it will happen just as fast
promise.
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credit bureaus, the creditors, put items on my report that belonged to my dad

I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them, but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
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I would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute. I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes. In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC
1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
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I am someone of limited financial means at present, do you know of any ways to get a copy of my reports that is truly free? I have no credit cards so I can't even sign up for the supposedly "free" deals I have found on the net.
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Use my free letter
They do not come with score
They do not come with helpful adice and 800 numbers like most free credit reports come with. You get all kinds of free stuff that really helps and you can cancel before 30 days and keep the free reports and scores. Or keep the monitoring and get cool stuff that really helps. Did you know everyone needs a credit card to keep the credit score alive.
See I am a nice real live person who really helps
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Unfortunately due to my credit report no one will issue me a credit card, I have tried many places that I have seen online, and the only ones that I could a card issued from required a "deposit" or secured acccount and the cards that they claim are 7500.00 in unsecured credit and are really some catalog company scam to get you to buy from them. I would be open to applying if you know of any that are truly designed for something like credit rebuilding or for people with damaged credit as a starting point. I really appreciate all your help, my wife and I had a little girl eight months ago and we are really trying to get our credit repaired so we can get a home loan and buy a home.
-----------
Get a BP Oil or some gas card at the gas station you use.
Mail in 200 or 300 dollars and ask to open an account with them as you need credit to buy a home. They did it for me and will do it for you too. Explain your credit is awful but you will pay good, on time, and more than you charge on gas each month. MY BET. They do it. Don't dig a whole. Pay an extra 20.00 per month and after 12 months you will have a 4-500 high credit and a recent credit history.
check out this page

I did it with bp oil in 1992 anf was charged off by BP for 3-400 bucks forgot? I still have that card today and this is the whole reason I got in this credit stuff. It hurts and is very hard work. YOU CAN DO IT.
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I have about 8 things with the letters

My name is REAL PERSON and I have about 8 things with the letters
disputing the charges. How do I get them to the bureaus to get this off of my credit? Oh and one more credit card in which i messed up back in college, how can i get that taken care of also?
----------------
Use my free dispute form.
I assume these letter are from creditors that say the charges are incorrect.
If they are your letters good luck.
In any event use the free dispute form
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any way i can pay it and have the default removed

Quoting REAL PERSON

hi there i checked out your website, i am woundering i have a default for £96 with a mobile phone company. is there any way i can pay it and have the default removed as apose to it just being settled and it still showing on my file.
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Absolutely.
Ask to open the same account and pay all fees.
then ask if i pay good for 24 months will you remove this file.
If they answer no it is probably not worth the trouble on a mobile phone bill as they do not report new goood credit. They only report poor payments.

A credit card however reports both and would make a better candidate for removal and establishing new good credit.

i would consider opening or using an existing credit card to over lap this bill.
In any event 96 is not much to spend and should probably be paid anyway.
I would still press for total removal upon payment in full including fees
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anything else i can do to have judgement removed.

Quoting REAL PERSON
Hi Bo just read your article very informational. My questionis how do i have a judgement removed from my credit report. i have paid in full over a period of time the account in question through credit counseling, but need this judgement removed from my credit file. the credit card company is mailing me a letter stating that the account is paid in full and my credit counseling company is also questioning the remova. is their anything rlse i can do to have judgement removed.
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A Judgment will probably be on your report no matter what for at least 7 years and maybe 10 depening on state laws. Matters of law are the hardest to change. Electronic courhouse records do not change and court houses are not in the credit business so they are unlikely candidates for credit help.
Wish I could tell you something more optimistic.
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my father died in 1999, Bureaus and creditors put my dad stuff on my report

Quoting REAL PERSON
I recently found your site and have been reading through it. I am in an odd predicament which I will explain in the hopes you can point me in the right direction. When my father died in 1999 the credit bureaus, and in a few cases, the creditors, put items on my report that belonged to my dad. In one instance there is an item on my report from 1984, when I was only eight years old, for 100,000 dollars that my mother incurred while she and my dad were married for medical bills. The previous example is by far the worst of them,
but there are many items on my report due to the exact same or similar circumstances and I have been meeting with heavy resistance in correcting this because I share my father's name, the only differentiating factor is our social security numbers, which are not even remotely similar to one another, and thus far have not seemed sufficient to get these items removed. I was wondering if you could give me any ideas for how to approach this in a manner
that will get the desired resolution. I only owe, at most, 10,000 dollars and thats probably stretching it quite a bit, but my credit report shows something in the neighborhood of 150,000 dollars in debt. I appreciate any guidance you can provide and I thank you in advance.
---------
i would get his death certificate and use copies of it to dispute these errors. In adition I would get a birth certificate for myself and snd copies of it in for dispute.
I would get copies of all my reports and circle items that are obviously inccorect. Under the cirlced item I would explain the stupid stuff like I was 8 for goodness sakes.
In addition i might go to thre better business bureau and foloow suite with them and ask for help.
Then I might go to the FTC

1. dispute with birth and death certs
2. copy reports and circle and explain the obvious errors.
3. get help from FTC and BBB
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I ran my own, and I find a collection for $

Quoting REAL PERSON
Bo,
I was about two months away from buying a house, had a score of about 650 and before my lender ran my reports I ran my own, and I find a collection for $70. I called the company and found out it was from an unpaid hospital bill that had been sent to the wrong address. The collection company even said that they had in their files that the bills were returned to them. I paid by credit card, and they agreed to remove the item. To be safe I filed a dispute with all the cards only to find out that the collection agency is now refusing to remove. I called them and they claim they never said they would remove the item.
My question is, do I have any legal rights here since I never got a bill. Had no way of knowing my insurance didn't cover this portion of my bill and now have a mark that will hurt me to the tune of thousands of dollars in higher interest rates. It just seems like I should be able to sue the collection agency over something like this.
What would you advise I do?
-------------
This is the typical he said she said didnt get i billed you kind off stuff that frustrates a lot of folks.

There is almost no way it sounds to get the people to remove the record.
1. I would add a comment to the record stating my case.
2. I would ask for proof in writting that they billed "ME" or threaten in a legal tone to take this up with the FTC.
3. I would call my insurance company and try to find something out from them about this bill. I advocate paying hospitals and not colllection companys on bill such as these. The hospital has the right to legally take items off your credit for billing mistakes if you can prove it was there mistake, an insurance mishap or just a mail mistake. The problem is the he said she said stuff.

You need to get your hands on some documents.
Alwaya get something in writting about removals before you make payments. Say send me a letter stating you will remove the account or mark paid as agreed and in full before one pays or else snafu.

I would definately try to find the root cause of this issues with thre hospital, the insurance company and the collection company.

hope this helps
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Credit Score 620

On my credit report Macys/Gamb shows 3 account with the same acct number different high credits with different dates opened all reflecting duplicate information.
They are all paid in full.
#1 date opened 11/98 date of last payment 6/2000
#2 date opened 11/86 date of last payment 9/1998
#3 date opened 11/86 date of last payment 4/2004
negative statement 3/02 (2) 2/02 (1)
I do not have 3 account and some of the inforamation is outdated how can I get that information deleted.

Last item I had 2 negative write offs from Capital One I paid them off with a settlement in 2001. I have have reopened an account with them and apprx 50% of the time I pay the balance in full, is there anything you can suggest I do to get the old information deleted from my files.
They were opened in 1998, date of last payment is 11/01 & 8/01.

I would appreciate any help you can provide, I live in New Orleans, La. and I'm trying to buy a house.

Thank You
Credit Score 620
------------
Of course I would dispute outright any old and outdated figures by checking "not my account" and saying if it is the account is inaccurate.
CROSS YOUR FINGERS wait and hope.
As far as capital one that you have re-opened I would call them and ask if they would update your credit file to show only the last 24 months of activity thus wipping out the late payments of old.
2001 is not long enough to fall off so dipsute it and hope for the best or call the creditor before you dispute it and try to get the account updated. They not be of any help so do not get angry. It does not hurt to try.

Well 636 is just under the great rate score of 640.

Below is your required info for my question:
1. auto loan in another state co-signed with ex-husband 3/22/1999
2. 30 payments made on account b4 sent to collections
3. last payment was made on 12/22/2001
4. her credit score is 636
Situation:
My wife was previously married and co-signed with her the-husband for a auto loan. She was not employed but a house wife. Her ex defaulted on the loan and the car was repossessed. She divorced him after he was arrested as a sex offender. She moved away and eventually met me and we have been married for going on 2 years. The collector has contacted her to collect on the deficiency balance. We know that the statutes of limitations expired on her last payment on 12/22/2002. The state of Texas where the contract was signed, the SOL, is 4 years from date of last activity. She nor her ex have paid anything since the last payment on 12/22/2002. She only has three things on her credit record:
1. defaulted auto loan she co-signed
2. untility bill not paid by her husband who was the only worker, but in her name,dated 10/2000
3. a personal loan she was able to get last year that was paid off yesterday after 7 months of perfect payment history.
The collector is saying they can satisfy her part of the debt with a settlement yet to be determined. The unsettled repossession is keeping us from getting a mortgage and the collector will probably never see any settlement with her ex who is flying under the radar( but she has his contact info due to child support). The collector claims that she can satisfy "her" part of the debt and report that to the CB's as her part paid. What are your "recommendations".
Thanks, REAL PERSON
-------
Well 636 is just under the great rate score of 640.
A 636 is rety decent though and in most cases would quailfy a person for a decent interst rate if you have enough "rated trade lines" or open credit accounts.
Looks like you only have one.
It also sounds like the mortgage company would buy your paper IF this repo was satisfied.

Recommendations?
Depends on a lot of what if's. If the settlent is something you can pay And if you pay, you will get the mortgage at the rate you expect. Then pay it and get your mortgage fast.

If the amount can be paid but you aren't SURE if you will be approved or what rate you will get, I would advise to leave it alone until it falls of. It is 4 years old now. 3 more and it is gone.

You must realize if you pay and they mark it paid your date will change to 2006 which might even lower your score. This would be no problem if all you want is a mortgage and YOU ARE SURE you will get the mortgage if you pay.

If the amount is too much to pay I would adivise looking for owner financing. Get everything in writing as far as when you pay it off you get a deed. I advise paying a lawyer to prtect your interest on any owner financing.

my score for one is 620, the other is 589

Yes the one thing deleted is the one that has been closed for 12yrs., my score for one is 620, the other is 589. and the last one is 611, which is the score for the one deleted, i am paying on these accts as I retired in 2002, and waited for SOCIAL SECURITY to kick in that is why I got behind on these bills they are credit cards that I had one is for 503.00, the other is for , 553.00 but the biggest one is for GATEWAY which I pay monthly in the amount of 50.00 which I have been paying since last yr the amount of this was 1,800.00 which now is 1,553.00
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You are working hard and looking good. I think you will recover nicely. I do not think the files will be removed though. I think they will be marked PAID at some point. Open up another credit line somewhere to help overlap your bad credit and increase your score. If you don't you will loose your score.

Go to my credit page and get a credit card to buy gas with. If they turn you down pay the money to open one up. Buy gas only and pay more than you charge each month. in 12 months you will have a rated trade and a higher score.

defaulted auto loan she co-signed

Below is your required info for my question:

1. auto loan in another state co-signed with ex-husband 3/22/1999
2. 30 payments made on account b4 sent to collections
3. last payment was made on 12/22/2001
4. her credit score is 636

Situation:

My wife was previously married and co-signed with her the-husband for a auto loan. She was not employed but a house wife. Her ex defaulted on the loan and the car was repossessed. She divorced him after he was arrested as a sex offender. She moved away and eventually met me and we have been married for going on 2 years. The collector has contacted her to collect on the deficiency balance. We know that the statutes of limitations expired on her last payment on 01/01/2002. The state of BAH HAH where the contract was signed, the SOL, is 4 years from date of last activity. She nor her ex have paid anything since the last payment on 01/01/2002. She only has three things on her credit record:
1. defaulted auto loan she co-signed
2. untility bill not paid by her husband who was the only worker, but in her name,dated 01//2000
3. a personal loan she was able to get last year that was paid off yesterday after 7 months of perfect payment history.

The collector is saying they can satisfy her part of the debt with a settlement yet to be determined. The unsettled repossession is keeping us from getting a mortgage and the collector will probably never see any settlement with her ex who is flying under the radar( but she has his contact info due to child support). The collector claims that she can satisfy "her" part of the debt and report that to the CB's as her part paid. What are your "recommendations".

Thanks,
----------
Well 636 is just under the great rate score of 640.
A 636 is rety decent though and in most cases would quailfy a person for a
decent interst rate if you have enough "rated trade lines" or open credit
accounts. Looks like you only have one.
It also sounds like the mortgage company would buy your paper IF this repo was
satisfied.
Recommendations?
Depends on a lot of what if's. If the settlent is something you can pay And if you pay, you will get the mortgage at the rate you expect. Then pay it and get your mortgage fast.
If the amount can be paid but you aren't SURE if you will be approved or what rate you will get, I would advise to leave it alone until it falls of. It is 4 years old now. 3 more and it is gone.
You must realize if you pay and they mark it paid your date will change to 2006 which might even lower your score. This would be no problem if all you want is a mortgage and YOU ARE SURE you will get the mortgage if you pay.
If the amount is too much to pay I would adivise looking for owner financing. Get everything in writing as far as when you pay it off you get a deed. I advise paying a lawyer to prtect your interest on any owner financing.

If I dispute an item on one credit bureau and it is removed, do they report that to the other 2

Quoting Real Person:
First let me say thanks. Your web site and emails have been a life saver. 549 to 698 and climbing since reading your site and taking action. I think I started in November or December.
If I dispute an item on one credit bureau and it is removed, do they report that to the other 2 credit bureaus and it removed from there as well? Or do I have to dispute on those as well?
Thanks again,
-----
You must dispute at the other 2 bureaus.
Use the findings you have to dispute with.
Make copies and send them in with your dispute

JUST WANT TO KNOW WHETHER THE EXPERIAN ADDRESS IS CURRENT

BO
JUST WANT TO KNOW WHETHER THE EXPERIAN ADDRESS IS CURRENT?
THANX
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yes it is
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Quoting REAL PERSON
THANX
BY THE WAY, YOU ARE SO RIGHT ABOUT EXPERIAN HOGGING THE ONLINE MARKET AND MAKING THEIR SITES STUPID AND EXHAUSTING.
---------
Totally
Abosolutely ridiculous
I used to be an affiliate with consumerinfo.com
Experian bought Consumer info then kicked me off for offering credit report "repair"
What else do they think people want to do to their credit report
LOOK AT IT AND GO DUH?
Guess what else.
They were sued by the federal govt for misleading consumers by calling credit montioring a free credit report and not explaining one has to cancel in 30 days or less to get it free. AND they made it VERy difficult to cancel. So we are talking about a group[that needs to be reigned in.

requested all three of my reports and on all three there are different

I have requested all three of my reports and on all three there are different items that I have disputed more than once I am pre-approved for a mortage but because of these items the interest rate is sky-high, now I did get one thing deleted that was over 12yrs old it was a secured credit card that was paid and closed in 1993 but by some strange occurance a collection agency put this on
my report saying that I re-newed this acct in 1999 and again in 2003, untrue then there are items that I am paying on that show no movement at all on the amounts and one was totally paid off and closed in 2005, I have sent the reporting agency some documents that will prove what I am saying these will go hopefully to the credit reporting agency that the mortage company uses and boost
my score to what it should be but the credit reporting agencies say (we contacted the creditor and found that this is true), I am at a lost as to where to
go from here
----------------
Good on the one thing deleted.
So the collection has to do with the one thing deleted?????
can't tell....

When you make payments on collection or charge offs or judgements, usually no movement is shown until you have "paid in full" and then it will show paid in full but not help your score becaues you failed to "pay on time and as agreed".

You do not state 1.what type of account 2. how old the account is 3. how much for. All these things have bearing on what one can do to have it removed.

you also do not stae what your score is. It is very hard to dissiminate questions with very few facts to work on.

I hope it will boost your score also.

I had gap insurance, car total loss, Phone bill

Quoting REAL PERSON:
Ok so my credit is bad but only because of like 3 things. The companys are getting there money but they are putting bad stuff on my credit. what can ii do? i got reciepts for everything. The main thing was a car that i had a total lost for, I had gap insurance that covered it gave them a check and paid it off in full and they still put charge off, Then i have one company im paying off a old phone bill and i had a plan to pay $25 monthly and now they are saying they havent received no payment when i have the amsoct stubs saying they cashed it, i need help.
------------
Sounds like we have LEGIT reason's for fixing credit.
Company's are getting payment before 30 business days but are marking 30 days past due. "RIGHT?" Dispute IT. Send copy's of recipts with the free dispute form. "BE LIGIT".
Make copies of Gap Protection and work with Gap protection company to get legal remedy for late GAP payment on automobile loan payoff. Use legal leverage without being angry. Consult the BBB. Consult GAP company AND car dealer who sold GAP. Then dispute incorrect late payments.
Phone bill? 25.00 per payment? Yes that is bad credit. Utilities are the lowest of lows one can have. THE phone company made mistakes about payments on a bill that was allready listed "on credit report now" as being a charge off. Make payment in full NOW. Not 25.00 per month. Lord if I can not make phone payments why am I wondering why my credit is bad.
-----------------

1993-94 I filed bankruptcy. pretty well with my remaining and new credit cards

Quoting Real Live Human
I have always had problems with credit. In about 1993-94 I filed bankruptcy. I did pretty well with my remaining and new credit cards from the bankruptcy until 2000, when I had a major upheaval and was not able to pay anything. I did the worst possible thing and have ignored everything for almost 6 years. Now I want to try to clean things up. I got one credit report from equifax.
Here are my questions:
a.. I have a couple of department store accounts that are listed as "Included in Bankruptcy," with the Date Reported column reading "6/2004" However, under Public Records it says "You have no bankruptcies on file." Can I dispute those and get them taken off since it has been more than 10 years since the bankruptcy?
b.. I have two accounts in collections, one for $201 and one for $1,742. I have received recent letters from each of these firms offering to settle the accounts for about 50% of those balances. Do you think if I call them and ask to settle for a lower amount that they might accept my offer (say 30-40%)? If I pay a portion of the full balances, will they be obliged to remove the bad credit reference to my reports? Do I wait after paying and then have to dispute it or are they supposed to "automatically" remove it?
c.. I have one judgment filed against me that I didn't even know about for a credit card for $780 from 8/2001. Will that lender be likely to negotiate a lesser amount? If it is paid, will the judgement ever be removed from my credit report and score?
d.. Finally, I have a couple of other credit cards for high amounts listed in
"Charge-off" status dating from 2000 and listed as reported as 2005 and 2006. These are not listed as in collections or judgments even though one of them is a separate account that I had with the same credit card company as the one that has the judgment against me. What is the best way to handle these accounts?
Thanks for any advice you can give me.
----------------
a. the date on the report says 2004 for some reason. I doubt it will come off real easy but it might. You CAN dispute anything and say it not yours or out of date or anything you feel is right. If the dispute does not come out as you think is right you can add a 50 word coment to the entry. This comment will not help your score.
b. Of course you can try to settle for less. Of course. They may or may not do
it. If they do expect to have your account redated. Do not expect the account to be REMOVED. It show paid. Thats it. It will not help your score if this is the case.
c. Judgement are matters of law. The acount will stay on your report for 10 years past "date of last activity" no matter what.
d. Again judgements are impossible. Matters of law. You moght find the account listed twice though and possibly get the charge off removed as a duplicate. Once they go to judgement it is like cemented. So do not expect much here either.
....having said all that. Know that one can dispute anything. Disputing does not
guarantee anything.
----------------------

hi should i contact a credit card company if it has not been paid in 4years

Quoting LIVE HUMAN
hi should i contact a credit card company if it has not been paid in 4years??
Do they take the not paid off my credit if i start paying them and talk to them?? I Need advice please it is actually my boyfriends problem SOOO ......
------------------
wait three more and it comes off.
pay now and it will be 7 yrs
or make a deal that takes it OFF
not just shows it PAID
it is a personal decision
------------------
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i put a lot of time and effort in deleting stuff from equifax

Quoting LIVE HUMAN
Is there any easy way to update all three? i put a lot of time and effort in deleting stuff from equifax. i would hate to have to do this for each one.
------------------
copy the findings and mail them to the other bureaus.
be sure to inlcude detailed info on yourself
------------------
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I have a few unauthorized inquiries which I want to dispute

Quoting Live Human
Good Morning Bo! My name is Malachy, and I must tell thanks for educating many of us with your in dept knowledge about credit. Your tips have been very helpful to me.
My question is: I just pulled all three of my credit reports. I have a few unauthorized inquiries which I want to dispute. I was wondering if I can just prepared the dispute letter fax it to them intead of mail to them since I have their fax number. Do I have to mail the dispute letter along with a copy of my credit report? If I fax it, do I fax the letter alone?
------------------
i do not recomend faxing anything
dispute by cerified mail
-----------------
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My debt is 13 years old and they are just now becoming agressive with the collection tactics

Quoting Live Human
Why are delinquent Dept of Education Loans not subject to the statute of limitations. My debt is 13 years old and they are just now becoming agressive with the collection tactics. I have disputed the debt as the original loan was used for school which my son never got to complete as after dropping out temporarily due to personal hardship reasons. when he tried to return to school , the school in our area had closed. Do I still owe the Dept of Eduction?
----------------
yes the school and the loan are 2 totally seprate actions
Dept of edu laons are govt loans.
i would set up a payment procedure
----------------
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None of the numbers worked for Experian. Have you come across any new fax numbers

Quoting LIVE HUMAN
Mr. Majors:
I came across your website in a search for fax numbers for the credit bureaus. None of the numbers worked for Experian. Have you come across any new fax numbers?
---------------
no i havent
and i reccomend only cerified delivery mail be used

My original debt was approx $1750 and has now ballooned up to nearly $5ooo.oo after penalties and interest

Quoting live Human
So is it true that Dept of Education loans are not covered under the Statute of Limitations? Also if that is true, is there any way to get help to reduce the debt? My original debt was approx $1750 and has now ballooned up to nearly $5ooo.oo after penalties and interest. Is there any legal way I can pay just the principal amount? If so, who can I contact for help to handle this?
----------------------
a debt negotiator might help
you will be liable for penalties and interest
i assume dept of edu is like the irs
GOVT
so legalities and limitations do not apply to some of these entities
but i am not sure. I WOULD think they would settle for some amount even if you only talked to them. Something is better than nothing

and I can get it off my report can they put the negative listing back on

Quoting Live Human

Hi Bo,
I was wondering if I could get your advice. I want to dispute a paid charge off account and a collection account, what should I write? Also, if an account is in collections now and I can get it off my report can they put the negative listing back on? Even if I pay each month after it’s off?
Thank You for your time
------------
Mark not my account
Most collections do not show up on your report if you work a deal out right off the bat. If you dilly dally they put it on your report. My advice would be to ask them if the collection had been placed on my report yet. If not then make a deal to keep it off. If they have make a deal to have it removed upon payment or do not pay. It does not help a score much to have something show paid collection. UNLESS you are getting a loan and 'that' is a prerequisite to getting the loan approved.
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Can I call the debtor and have them remove the negative entry

Hello,
I would like to know, if, I paid off a debt. Can I call the debtor and have them remove the negative entry.
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most of the time no
a deal must be struck before hand
but you can try by
1. calling the debtor like you say
2. disputing the debt as not yours with my free dispute form
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Can I repair bad credit and credit scores by having secured credit cards

Quoting REAL LIVE HUMAN
I have gotten rid of credit cards for a while now. Is it true that one way to build up scores slowly is to have a few secured cards, pay them off each month on a timely manner and show a good history . That way maybe for 6 months to a year your score points start to rise?
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No is is NOT TRUE! Secured credit cards normally mean I have to buy from a certain companies catalog or online website and the credit card company does not report to bureaus. They do this to keep my credit stagnant and trap me into buying more of the websites goods.
Do I know if they report to one of the three credit bureaus Equifax, Trans Union, Experian? If they do not, no credit report score help. I advocate paying a fee to get a (first rate reporting) credit card company to open credit for people whom are normally turned down. If I have been turned down for bad credit by a credit card I send them money with the same application. i also send a letter explaining I need to establish some good credit and thought if they had money in hand they could at least open an account for that amount.
"Rated Trade Lines" any credit reported to one of the big three bureaus for 12 months are considered rated trade lines and will affect my credit bad or good depending on how I pay. 6 months credit does not a credit rating make. Use the link below to apply for genuine credit cards.
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make a best guess of what my Beacon will be in 2007 or so?

Quoting REALIVE HUMAN
Bo,
Thanks for providing a outstanding website and resource for us out here on the web. Without going to far into detail here is as brief a synopsis as I can give you. In December of 2004 my bankruptcy went final. Since then I have tried bit by bit to improve my credit score thru better payment history (I kept my truck to establish payment history under new circumstances). I have managed to somewhat avoid lates. My beacon has went from 395 in 2003 to 593 as of today. In reviewing my Credit reports I have noticed some old open accounts with no balances on them. Since I am hesitant in using them to avoid debt.
What is your best guess on what closing them would do to my credit score? I have become very strigant on my credit management side as I will never get to the point of bankruptcy again. I have gotten a new car loan since the bankruptcy (went into a smaller car and payment for debt management purposes) and was approved for a home loan recently. However I choose a different route for house financing because of the interest rate I was quoted (9.9). I will be taking over payments in a couple of years. As I said my beacon right now is 593 with only a car loan (405 monthly) and one credit card (paid off recently going to a once a month charge of gas and pay off plan). Would you be able to make a best guess of what my Beacon will be in 2007 or so?
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keep those 2 trade lines open
your score will increase to mid 600' even with the bk showing.
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I have a large hospital bill that has been sent to a lawyer's office for collection

Quoting Rp
Dear Bo Majors,
I really don't know who to ask this question to so in searching the web I found you! I have a large hospital bill that has been sent to a lawyer's office for collection. The lawyer's office called and said if I don't put in on my credit card they will report it as delinquent and send it to the credit bureau. I have always had excellent credit with never a mark on it. I don't
want to put such a large amount on my card. I am unfortunate in that I have inadequate health insurance and needed an operation last year. I now pay 6 different bills associated with this procedure the hospital being one of them. I pay everyone a little something every month and that seemed to satisfy them all except the hospital. Exactly how bad is it to have a large hospital bill show up on your credit report that shows a person paying something every month? Everything else on my report shows either on-going
current, never late, or account closed. Would a potential loan officer hold this against me or take it all into consideration?
Thanks so much for any advice you can give
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It will lower your score for sure if it goes on your report.
Loan officers for low interest or primary lending companies use the score as the sole basis for granting credit.
Some local high interest finance companies will more than likely look over some collections. You say large amount. If the amount is very large it could dramatically affect your future plans regarding loans, credit cards and even insurance rates.
Credit cards have fine print that allows them to raise rates for just about any reason i the fine print section of your application and approval letter.
One of the reason is a lower credit score. Having a large collection could prompt the credit card folks to raise your rate.
Seems to me like there are no easy answers. I sincerely doubt whoever called you is a lawyer or a law firm. They use the term to frighten people to make quick decisions.
Another point to look at is if a creditor accepts a reduced payment and not the full amount in a court of law they have let you off the hook and cannot legally gain a judgement based on the fact they took a payment structure rather than paid in full. This very element comes into play at the rental company that is affiliated with russell barnett. If a person runs up a rental bill and doesn't pay in full my friend takes them to court for theft by diversion and wins a judgement. So having said all that i have no idea how to adise you. I have given facts only pertaing to your question. It would be soley up to you how to handle this affair.
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I filed for chapter 13 in 1996, how long is it going to haunt me

Quoting Rp
I filed for chapter 13 in 1996, how long is it going to haunt me and what do I need to do to get rid of it?
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date of dismiss papers is when the seven years start. I would see what that date is and at the seven year mark make sure it is removed.
Bk's always involve loans and all the laons should be off your credit now since you filed in 1996. So I would dispute the loans now and that should help some. I think I'm right on that last issue but not positive.
Lets assume you paid out in 98. thats the sevn year mark. There is a possibilty that you can disput it all and it will all come off. Use my free dispute form and dispute only 4 itmes per dispute

Just say the 7 year time frame has elapsed and you want them removed. Chapter 7 and 13 have different time levels one is 10 years one is 7 im not sure which. i will find out and post it on my blog and website.

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want to find out how to get old negative credit problems off of my credit report? thanks

Quoting rob
I want to find out how to get old negative credit problems off of my credit report? thanks
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read my website tips
thats why i made the site
click on credit help
go to tips
then read my blog
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My scores are 564 570 and 577 I have a chargeoffs totaling $2600

Quoting Rp
Hello Mr . Majors my name is victorI . I have a question. My scores are 564 570 and 577 I have a chargeoffs totaling $2600 is there any way I could get a small personal loan? If not how can I raise my score high enough to get one?

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weu dont know till we try i guess
depends on job stability
depends on if our local
we will probably need to go to a local finance company and they will need you to have stability in home and job id say and it would be good to have family in the area or ties that bind
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I have another woman's address on my credit

Quoting \RP

I am hoping that you can help me. I have another woman's address on my credit, and all of her collections are being assigned to me significantly depressing my credit score. Her social security number even appeared on one page of the credit report equifax sent me. We share the same last name (Smith). However, we have two different first names and we live in two different states (she lives in California and I live in Utah). All of the collections are from California, where "Jenna Smith" lives. There are two credit agencies that have this erroneous information. I have been receiving mail for this person, that in retrospect, were collections. I did not open them because of the incorrect name. Obviously there has either been a significant mix up, or identity theft. I had a mortgage agent send a letter of disputation to both agencies. I only heard back from Equifax. I have called and called and called. Each time I got a new person and waited on hold for 20+ min. The last individual had me fax her my driver's license and SS card. I never heard back. It has been nearly 2 months. I am growing weary of this battle, and am near giving up. Can you email me any suggestions, if you have any. I would be so grateful! I don't have a lot of time (single working mother of two precious children). I am hoping there is some resource I can turn to.
Thank you,
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http://www.oskie.com/free-letter/Credit-Fraud-Theft-Identity.htm

lawyer to settle 3 credit cards. We paid a percentage and they forgave the rest

A while back we went through a lawyer to settle 3 credit cards. We paid a percentage and they forgave the rest. However, Discover card was in the process of suing me for the balance of the account. On the day I was supposed to be in court, my lawyer came to a settlement amount with them and a check was sent registered mail to Discover's
lawyers within hours of their phone conversation. Somehow I'm guessing Discovers representitive at court was not notified of this settlement. A month later I receive a paper in the mail for the courthouse that a jusgement was files against me for failure to appear. (I was told by my lawyer that I did not need to appear since we had reached a settlement.) I contacted my lawyer and he in turn contacted Discovers lawyers and a month after that I received another letter in the mail stating that the
default order of the previous case had been vacated. I pulled my reports and on each one is reported a judgement against me to Discover Card. To my knowledge, since there was never supposed to be a judgement because we settled, this is wrong. But I can't get it taken off. I sent registered letters to the bureaus and to Discover and even to Discover lawyers. I haven't heard back from anyone except from the bureaus and they all said they investigated but the judgement is valid and is going
to stay.
Any ideas?
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matters of law always go on your report
talk to your lawyer
the lawyer might not have informed us properly
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bad credit from when I was a student about 7 years ago

Bo
I am looking at your website and suggestions to dispute old outdated credit history on my report. I am not too sure exactly how to go about doing this. Basically I have bad credit from when I was a student about 7 years ago and since then I have been much better about payments and such. However the bad credit is affecting me.
What can I do to resolve this. How can I state my case to the credit bureau?
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get new good credit
the last 2 years count most
make your case with new credit
dispute credit over 7 yrs since last activity
it will fall off

rated credit lines are 12 months old
do not pay anything off before 12 months
make sure the lender submits activity to credit bureaus'
or forget it
make payments on time or before 30 days in hand
not mailed on the 30th day
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once I start disputing collections does that keep me from being able to come to an agreement with the original creditor if the accounts are verifiab

Bo, thank you so much for your informative web site. I now understand about "paid" and "paid in full and in good standing". I also used the contact information for Lex law firm. I am considering hiring them. My question is once I start disputing collections does that keep me from being able to come to an agreement with the original creditor if the accounts are verifiable? Also, if I do pay the original creditor what about the account the collection agency has? Is this now a false account as the original debt had been paid in full?
Thank you again for all the information almost every question I had has been answered. Any information you may have will be helpfull.
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collection normally mean they have been sold to the collections agency and the original creditor no longer owns the account. Unless you catch this one quick the collection agancy will have to be the contact for you. One thing is for sure though. If you do pay the origianl creditor and they take the monies they can authorize the removeal of the collection. The collection agancy might require a fee. I would pay anything resonable to have a collection removed totally.
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three Rogers jeweler accounts showing but they are all the same card how can I get these merged

You're awesome! Thanks for all the great free advise. I have a couple of questions. I am really interested in using some things you wrote below but I can use a bit more details on how to do it. I have accounts that are duplicated. Some look better then the others. How do I get them merged so that it can knock some of the late payments out? For instance I have three Rogers jeweler accounts showing but they are all the same card how can I get these merged? Also I am interested in reopening accounts I closed. This will leave me with a lot of accounts open but they will all be good accounts that I paid on time. Is it wise to do it still?
Thank you, Real Person
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"Overlap past or "2 yr old" bad credit with present "within 2yrs" good credit. Use credit cards, car or personal loans to do so. Mail in $200 dollars with an application and ask to open a new account or re-open an old account and establish new good credit. Buy gas with the loan or a credit card. Pay extra each month. 12 months minimum to get a rated credit line. Make sure the creditor reports to bureaus."
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I would dispute the accounts with the bureaus first and report your finding and situation to the jeweler and see if they can help. At the same time i would try to reopen those older accounts by paying a small fee or something. Credit cards or revovling credit usually only report activity for the past 12 months. Fo this reason they become one of the best avenues to re establish good credit over bad credit.
In the jewels case i would try to reopen the accounts that show late payments not the good one. Or ask them to make the account the same, reopen it and pay it good for 24 months and Whaa laa. Good credit.
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do you know if the credit cards report to one of the three credit bureaus Equifax, Trans Union, Experian?

I have gotten rid of credit cards for a while now. Is it true that one way to build up scores slowly is to have a few secured cards, pay them off each month on a timely manner and show a good history . That way maybe for 6 months to a year your score points start to rise?
----------------
Secured credit cards normally mean you have to buy from certain companies goods and the card company does not report to bureaus.
So do you know if the credit cards report to one of the three credit bureaus Equifax, Trans Union, Experian? If they do not .... No score help>
I do advocate paying a fee to get a reporting credit card company to open credit for people with bad credit.
"Rated Trade Lines" any credit reported to one of the big three bureaus for twevle months will upgrade your score if 1 you pay on time each month and you have the trade line open for 12 months plus. Six months are not enough to rate a trade line.
------------------
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I've tried to contact TransUnion, Equifax, and Experian via phone

I've tried to contact TransUnion, Equifax, and Experian via phone to lift a fraud alert from my credit. I had it put there 5 years ago and no longer need it there. Can you assist me or tell me who I can talk to at live person? Thanks
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I write all over my website to not even try the dang phone.
You can clearly see what happens
frustration
Make a letter up with all your personal information.
ask for the alert to be removed, and it should be.
I have found though that in most cases alerts are removed after 2-3 years
Forgot which
So that sounds strange
Use the link below to find the addresses
Credit help
Thanks
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I am still stated as being late when I have letters stating otherwise from the creditors

Hi Bo I came across your website while desperately trying to find information on the web about experian. I had two 'negative' items on my crdeit report regarding 30 and 60 day late payments to two diffrent creditors. I had spoke to both creditors and both agreed to remove the negative items from my report and sent me a letter stating so which I have. I disputed the items with experian and waited 60 days. I just checked with experian and there automated
system said the disputes are complete and changed-NOT ONE BIT DIFFREENT!!! I am still stated as being late when I have letters stating otherwise from the creditors. What can I do? Whatever help you can give me would be greatly appreciated and also I just don't have the time to play games and would not be above paying a crdeit report fixing company but also need to know are there any good ones?
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Use the mail with confirmation delivery.
Send copies of the letters with my free dispute form.
http://www.oskie.com/credit-dispute.htm
You should recieve a letter in the mail in respons to the dispute. you should not have to call or check your credit later.
Calling is frustrating.
Mailed dispute forms always get a written response.

I don't have all the facts. But if this does not work go to the bbb.
What do your letters say?
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How Medical Debts Affect Your Credit Score

Hello Bobo
I Am Curious As To How Medical Debts Affect Your Credit Score
Some People Say That medical Doesnt Matter But Id Like To Know What You Have To Say About It. Also How Does The Score System Work? Where Do The Points Come From And How Do I Raise Them? I Have 3 Different Scores From 3 Different Credit Bureaus.
Thank you For Your Time And All That You Do.
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They affect your score tremendously for the first 2 years and less thereafter Scores are complex algorithyms that cannot be perfectely explained. Scores vary form bureau to bureau because each one has a little different data on you. Not because the systems are different
Medical is sometime overlooked by creditors but the score is not in most cases. Medical is also the easiest to remove. Make a deal to pay for removal it was an insurance mistake is the most common reason for removal.
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accounts that have been closed over 10 years are still on there

Hi -
I received my credit report and accounts that have been closed for over 10 years are still on there. They are in good standing but I thought they would not show up anymore. Is that true? How long after the account is closed does it stay on the credit report?
Thanks for you help!
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7 yrs from date of last activity
10 years on matters of law
some states have different laws
but most work like stated above
---------------
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Can I send couple of disputes in the same request letter

Thank you so much for providing the universal form to dispute charges in our credit reports. It is a nightmare but we have to do it. My question is. Can I send couple of disputes in the same request letter to the Credit Ageny?
Please advise. I hope I can do this
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I would send no more than 4 disputed accounts per dispute.
Sometimes bureaus will dismiss huge dispute letters as frivilous thinking you are disputing everything right or wrong just hoping.
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