Dispute not responded to on collection. Get it off my credit report

I have come across your Website and I would like to ask you a question about Collection. I had cleaned up a collection I had on my credit report. I disputed with the credit reporting agencies, (Experian, Equifax and TransUnion). After the 30-45 day waiting period the collection and or Creditor did not respond to the dispute, therefore it was removed from my credit reports. All that happened in October 2006.
Cavalry (http://www.cavalryportfolioservices.com/) stating that they purchased that Account from Sprint PCS, which is the one that was removed 6 months prior by not responding to the dispute.

Is it legal that they can do that? Can you please advise me on how to proceed? Is that common that they just keep sending and or selling that account around for years to come?

I greatly appreciate you help and service.
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Subject: Re: Removed Prior Collection

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

Have em validate the debt.
Most times this makes the rats hide in the basement.
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Thank you for the info you have given me on validation. I have sent them the validation request letter certified. I have not received any info from them so far and it’s been 40 days now. Do I need to contact them again to asked them to remove that item form my reports?

I really appreciate your help on that matter.
---------------------------------
You need to follow up for sure.
I would call and verify they are working on it.

Is it possible to remove a judgement feom creditreport after settlement of debt.
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"majors@oskie.com" / to dennis / show details / May 14
In most cases NO
One has to negotiate before paying. And with a Judgement negotiation was tried and they had to sue and you lost in a court of law.
IT would be best to just move on with new good credit. In two years, if you are stout, the judgement will not affect your score much.
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"majors@oskie.com" / to Need Judgement Removed from credit report / May 14
Judements are also matters of law and once written it is over as far as that goes.

Medical bills

I am working on fixing my credit myself. Almost all my bad credit is from medical bills totalling $2,500. I plan on paying these off like you advise. I currently have 2 credit cards and plan on getting another to get new rated credit as you advised. My only question on this is where you say to keep them under 30%. Do you mean carrying a balance of more than 30% is bad because I always pay my balance in full every month so does the 30% rule still apply to me if I max out the card but then pay it off before the due date each month. Any advise would be greatly appreciated.

Forever in your debt,
Fix Credit Myself
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"majors@oskie.com" / to fix my credit my self / show details / 7:39 am
When ever you max out the card your score goes down and when you pay it your score goes back up. You just don't check your report each time to see.
I would ask the card to raise my credit limit so it did not need to get maxed out.
This is not bad really but make sure if you go to get credit you have paid that one down to less than 30% and you will be OK.

I have a Sears Credit Card account. This account is 16 months old and currently shows in my credit report "closed by creditor" for about 8 months now. I entered into a repayment plan that is automatically deducted from my checking account each month, and have paid them ontime since the account was closed 8 months ago.My Trans Union score is a 642.

I am currently caught up according to Sears and the Sears Card Reps from Citibank are constantly calling to get me to reopen my Card. I spoke with a citibank rep and one thing he told me was that he showed lates on the Sears card in his system. My concern is my Transunion credit report has not reported any lates (0x30,60,90,120) for my sears card at all. Will reopening my account affect my credit score negatively? If I do reopen the account could the new reporting to the credit bureaus activate my account showing lates on it? Is having a "closed by creditor" and paying a card off better on a credit report than paying off an active account with lates recorded? My goal is to get to a credit score of at least a 680. Thank you for any information that you can give me for this situation, it is greatly appreciated.
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"majors@oskie.com" / to Person who needs more credit / 9:45 pm (0 minutes ago)
The best bet is to re open the credit card
i doubt any more or other lates will show if you do so and you need good open credit at least one year on the books.
The system mean sears not a bureau. I think.

I paid a lien. How can I get it off my credit report? I need it deleted.

I have recently paid off a lien on my credit report.
I now need the item deleted off of my credit report now.
What is the quickest way to do so?
Thank you in advance.
Paid Lein. Get it off my credit report
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majors@oskie.com / to Paid Lein. Get it off my credit report / 10:47 pm (10 hours ago)
Use my free dispute form and say lien no longer valid please remove.

Bo,
I have a $7,800 collection first reported on Feb. 2003. The collection co. hasn't given up on collecting, but I haven't paid them and would like to avoid paying if possible. I still receive a phone call or form letter every few months, but I've never answered them or acknowledged them on the phone. I was wondering if this will come off of my credit reports on Feb. 2010? Do I have to take any special action? Is there anything the collection co. can do to keep it on there, like sell it to another co, for instance? Anything else I should know? Also, if I do end up in negotiations with the company, how much should I offer to pay and how do I ensure that they will remove the record from my report? -- Best Regards,
Collection company is contacting me Person
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majors@oskie.com / to Collection Company Is Contacting Me/
What was the collection for?Is there another entry is yes above?There is a distinctly high chance for some other action is possible by the collector because as you state they are able to contact you: 1 Suit? 2 Re Date like you state by selling to another collector or small claim
Not talking to them might work but I would rather pay them and negotiate if at all possible, especially if, the collection is a result of inablity to pay something I signed up for and agreed to pay in the first place.

One thing I need to address is that more often than not good credit is a direct result of stable workable income. If I can not pay what can I do?

Credit card company will not take the late payment marks off my report.

Hello,
My name is "Fix My Credit Report" and I came across your web site which by the way I think has an amazing amount of information that I have found to be very use full. I did however have a few questions for you. I went from having perfect credit to not so perfect credit when I got unengaged. Right now all my credit card bills are payed off but when I called my credit card company's to see if they would take these things off my report they said no. I am also having trouble establishing new credit. I have 1 credit card now that I pay on time, my car loans etc are all payed on time, but I need to know how to up my credit rating at a pretty fast rate. Any advice?
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Bo Majors / to Need better credit / show details / May 10
We must have 1 year of open and good credit. Better to have 2 years from today back.
Must haves'
Everything thing else seems ok
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Fix My Credit Report please / to me / show details / May 10
Thanks so much for getting back to me so soon. So even if just 1 credit card it will be ok. Does it look bad to have those accounts that were payed in full but closed? And is there anything else I Can do to build more credit faster?
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Bo Majors / to Fix my credit report / show details / May 10
We all need 3 good open lines of credit to keep good scores.
The paid off accounts dont hurt but don't help either.

If I close accounts can I raise my credit score

Is it true that if I close out accounts which have been paid in full that my credit score will go down? I was told by a local bank just that. I have several accounts which I have paid in full and I am afraid to close them out. My present credit score is 797, which is not bad, but I would love to have it jump to 850 if I can. Please advise how I can accomplish my goal.

Thank you,

Live human being
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Bo Majors / to Perfect credit score and wants it better / May 10
It is somewhat embarrassing to answer questions from a 797.
Find some other project as this one is not in need of tending.

Should I accept a settlement on a bad credit account.

Hi Bo,
I would like to ask a question if I may, I was just recently offered a settlement of $4500.00. The balance is 9690. Would you consider this a good settlement.
I also tried many times to ask them if they could delete all negative information, and or mark as paid. They advised they can only say
Settled in Full.
Please advise.
As Always thank you
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Bo Majors / to Should I accept a settlement / show details / May 9
Sounds like a good deal. I would take them up on it an go on with my life if I could pay that amount.
Make sure you keep open 3 rated lines of credit. One year from now and your score will jump.
Your score will also jump on settlement as you will have moved from 100% debt ratio ot zero on that account.

My credit score dropped 100 points and I cannot qualify for low interest home loan.

HELLO, BO
I came across your website, and was interested in alot that was said on there. In April I had my report pulled by a Mortgage company. At that time my credit was 670. When it was sent to the bank it went down all most 100 points. I have a credit card company that reported me late in April and in May. Which is not true, But of course they are not going to change the information. Also at the same time. There was a collection agency that had a Hospital bill that was my daughters. I was paying on the bill but not to there expectation so they sent it to the credit agency. I called them and did go ahead and paid it in full. But they are still reporting it has not paid. This is getting so old. And I have to get this cleared up fast. Do to getting it to raise so much to be able to get the loan that we need.
Thank You,
Live Human Being who needs credit fixed.
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"majors@oskie.com" / to Fix Credit Fast Need Home Loan / show details / 5:14 pm
If you are late RIGHT NOW on anything when you pull your credit the score can drop 100 points.
Use the debt validation letter on the collector
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
See if they can meet all these requirements legally. If not they have to take it off.
Plus once you they accept a payments plan they cannot take you to court as they accepted another amount. They can report you to bureaus. But you have some leverage on getting the account removed and I would try to use some.
As far as the credit cards go....it sounds as if you have already done the right thing to no avail.
I would still try though. Might Dispute the items as incorrect reporting never late.
Use the dispute form on my website

My mom had a new roof put on her house and she used home depot credit. The cost was 27,000. She put my husband and me on the account as authorize users. She did this without our consent. We are currently in a legal battle with her so communication with her is not possible. Now this debt of 27,000 shows up on our credit report. I called home depot and told them that we do not want to be on the account and we did not consent to be authorized users. They removed us as authorized users. How do I get this amount off our credit reports? Any advice you can offer will be greatly appreciated.

Sincerely, Real lIve Human
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Bo Majors / Live Human / Show details / May 8
Who is reporting it on your credit report.
Contact them. Home Depot i guess
Use my dispute form for errors.
http://www.oskie.com/credit-dispute.htm
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Settled debt still reported as bad on my report

I would like to know. If the original creditors decide to settled with you and sign an agreement. Can the credit companys continue to report the debt, or is that illegal or against fcra laws.

Sincerely
Someone with some bad debts!
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Bo Majors / someone with bad debts / show details / May 7

They update the account to show paid in full.
The paid contract not as agreed with bad credit stays on your credit report for 7 years unless negotiated. Really hurts your credit for 2 years.

I've had Capital one and a First Premiere Credit card and have not been able to pay either off. My capital one is gone off of my credit report but I still have the other credit card balance on there. I am coming into a good amount of money and I want to fix my credit but I don't know what should be the main things to fix to at least raise my credit score. I want to buy my first home and get a good rate on it because of my credit but I don't really know how to go about doing so. I don't know if I will be able to pay everything on the report off like I want to because of other purchases I have to make like new home, buying a car and etc. I also have repo's on my credit for cars. Do I have to make sure smaller credit issues like verizon and comcast have to be off my credit report as well as the larger problems to raise my credit score?
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"majors@oskie.com" / to Live Human Being / show details / 8:13 am (0 minutes ago)
sounds like your a mess
the credit cards happen alot
What really looks bad is utitlities not paid on your report and repos meaning more than one.
whew.
Repos will take most credit opportunities away from you and collections for utilities show no stablity at all. How can someone be loan monies if they can not even pay utilities.
Most bad credit comes from lack of money or job problems so don't give up. We all have slick spots.
Pay the utitlities and try to repopen the same accounts and after 1 - 2 years call and beg them to remove the past lates.

You might dispute the repos and hope they fall off.

NEVER use capital one and pay them off for sure.

Go to my website to get the dispute form and start new credit form.

I would use some of my monies to pre pay on a credit card to get it opened with bad credit and try to get some good going, so the old bad looks just like that. OLD.

Fix my bad credit report free. Self help: A 7 year old debt showed up on my credit report. Is that legal?

Click the link to see the original question about bad accounts on my credit report that are seven years old. Fix my bad credit report free. Self help: A 7 year old debt showed up on my credit report. Is that legal?
You can get a bad credit accounts removed from your credit report after seven years has passed by using my free universal dispute form for 7 years old credit and credit mistakes or errors.

A couple of years back i went abroad to study and i loaded about 9 credit cards with stuff. the plan was that my parents were going to pay it back while i was gone, but my father lost his job. long story short, a couple of things got charged off and i've got a lot of negative remarks on my credit.

i dont know my score, but i know that i've got a whole bunch of stuff on there that doesn't look good and are now PAID OFF. is there anyway i can get them taken off considering they've been paid in full, or am i going to have to wait for the whole 7 years thing to go by? i can't even get a small credit card, but i've got an excellent job and no debt. anything i can do? i heard that if i'm persistant with the credit agencies and write them letters explaining the situation, they may be able to clear it up.... is that true? please help. i've just gotten married and we want to buy another home together, but i'm scared that'll look bad...

thanks, Live Human Being
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"majors@oskie.com" / to Real Live Human Being / show details / 1:55 pm (0 minutes ago)
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
you got to open new good credit and get 2 years of it on the books.

Dispute anything on your report that might be wrong in any way.
http://www.oskie.com/credit-dispute.htm

Try to open 1 or 2 of the old charged off accounts numbers by calling and begging if you pay in full and add a couple hundred to open up with a positive balance. Work with them one year and then ask them to drop the old bad. Credit cards usually report the last 24 months mainly and will often agree to drop old bad if they have new good.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

let me know what you think

1) According to privacy matters my Equifax score (which is my middle score) is 568. I also have Scorewatch with Equifax which says my score is 481. Which is accurate? Why the huge discrepancy?
2) This is what I have done thus far:
1) I have set up my bills to pay automatically. Especially my credit cards, so that I can get my balances down and pay on time.
2)I have disputed a couple of items that are not mine. They have zero balances but have several 30-60 past
dues on them.
2) I have disputed some past due 30 days that are incorrect. A couple show 2 months that are late when actually it was just one.
3) For the months that actually were late, I have sent out goodwill letters explaining why I was late and asking them to remove the lates.
4) One account is listed as a charge off but was paid in full. I have disputed that.

Basically I think that is it. I would like to get a mortgage loan around September. Do you think these things will improve my score enough to do that. It is hard to be patient. This is almost obsessive. What would you guess my score increase will be if all these things turn out well.
Live Human Being
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Bo Majors / to Live Human / show details / May 5
Sounds good to me
Make sure you have 3 open and 1 yr old lines of open credit that is reported on your bureau
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"Need credit fixed" / to me / show details / May 5
thanks, but do you know about the 2 different equifax scores? Which is more accurate and why the big difference?
Live Human
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Bo Majors / to live Human / show details / May 5
If the scores are from the same bureau. the score should be the same if pulled the same day.

I have 4 things on my credit report that are in either past collection status, if I pay them off now how soon will that jump my credit score? I have a creditscore of 639 highest and mid range 608, lowest 595
Real Live Human who wants to fix credit
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Bo Majors / to Real Person / show details / May 4
If you have three open and one year old lines of credit maybe 50 points

I'm trying toclean up my husband's credit score to buy a house.Our loan officer told us to first dispute all negative marks online, then negotiate with creditors. Unfortunately, I disputed online before discovering your website. I'm afraid the bureaus will find it frivolous since I disputed so many. If they do, can Idispute them again a couple at a time? If so, is there a wait period? What do you suggest at thispoint? Thank you for any tips.
Real Person who needs to fix credit.
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"majors@oskie.com" / to Live Human / show details / 8:01 am (0 minutes ago)
Well maybe you will get lucky and some of the bads will come off.
In the end you can negotiate and will be able to get some removed
I think. Some not.
When you get a response to your disputes
Contact me about the results and I will help

Dear sir,
I have run a credit report on myself and notice two address under the associated addresses that have never bee my address I also noticed that I had several Discover Card account that I have never had. What do I need to do to correct this information and get it off my credit report.

Sincerely,
Live Human
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Bo Majors / to Live Human / show details / May 4

Use the free universal credit dispute form on my website.
you will have an answer and update in 30 days.

I recently got a credit report from all major three and noticed that there are 3 medical collections and 3 past due accounts.
I must remove them completely ASAP, due to the fact that I graduate in a month and employers will not hire me for that.
What should I do to remove them effectively?
I have paid 2 medical collections in full already.

Please help ~!!!!! Thanks
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Bo Majors / to Live human / show details / May 3

Should have negotiated to get them off completely before you paid. But the employer will most likely let you go if all things showed paid in full.
Of course get the others up to date and paid as agreed.
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Thanks for your quick reply Bo. I appreciate it.I have some skepticism about credit removal.

1. The 2 medical collection agency(BAY AREA CREDIT) told me they willremove them once I write the reasons why so delay on payments. I told themto write a letter to back it up, but they say it is not possible.

2. I signed up with ACADEMY LAW FIRM to remove the negative items. Istill have 2 more days to cancel.Should I really believe BAY AREA CREDIT when they say they will removethem?I do not think the ACADEMY LAW FIRM will do the job but ripping me off.

Lastly, I have a collection on medical bill, pay $50 monthly out of$2500.00.----should I write a letter to make sure I get removal after thefull pay? or validation letter?IT WILL BE BOTHERSOME, but PLEASE HELP.
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Get something in writing from bay area credit. YES!

I would have negotiated before I started payments. But Yes here too. When you start making payments you have validated the debt so there is no need to validate it. Why would you pay if it is not yours.

Hi Bo,

I came across your website and found it concise and informative.
My question: my husband and I would like to finance a car and
found an unwarranted item on our credit report that naturally brought
our score down and were faced with a higher interest rate.

It's with AT&T, a 'penalty' for early switching away, although we
were with them for over 2 years. Not only did they overcharge us
in our monthly bills but also damaged our credit score by adding
the 'penalty'.

How do I get rid of this unwanted item fast ?
Please advise. Thank you so much.

Sincerely,
Real Live Human
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Bo Majors / to Real Live Person / show details / May 3
Negotiate with AT&T.
Pay off and open the old account with them to get it off your report.
Or just pay them and get a zero balance.
But the account will still show bad for 7 years from date of last activity on your report unlesss you can negotiate some credit help if you pay or re open the account after you pay.
Ask for confirmation if you do get a credit help agreement with someone.

I am "live Human" and WOULD LIKE TO RAISSE MY CREDIT SCORE. PLEASE RESPOND. MY SCORE IS 520. I KNOW THERE IS A WAY. THUS FAR I HAVE OPENED 3 OPEN ACCOUNTS IN GOOD STANDING.

THANK YOU,

Live Human Being
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Bo Majors / to Live Human / show details / May 3
are those accounts reported to bureaus? If not no help>
after 1 year your score will rise dramatically if so.
payoff any outstanding collections and charged offs.

Hi I have nine charge offs. Each are below $250.00 There are all like 3 yrs old. I can pay them all of at once...should I ????....my score is 510 I really am trying hard to fix my credit from my young dumb years


thanks for help
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Bo Majors / to Real Live Human being / show details / Apr 27
pay after negotiation with each creditor to get bad marks removed. Pay anyway if they won't.
Get new, good, reported to at least one of the three majors bureaus, lines of credit that are currently open and at least one year old.
Pay money down to reputable gas cards or visa mastercard to get started. No cap one or discover.

Hello,
I have an account that was sold to a collection agency and then to another agency. My question is how long can they continue to sell the account and will it ever come off my credit report? The original debt was over 7 seven years ago. Is there anything I can do?

Thank you
Live Human
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"majors@oskie.com" / to real live human being / show details / 10:38 am (0 minutes ago)

Use the free universal collections debt validation form on all of the collectors until you get to the bottom
Send certified delivery.

Hello Bo,
Your site is very helpful thanks for the free advice. I'm writing because I have a few questions about my credit. I currently have a collection on my report from my car insurance company. I lost my job and my insurance lapsed. I went through the same company the second time. They took the last payment and spread it through my new policy which I just paid off. The collection is still there. If I dispute this can it be removed? Also, I'm only 19 and I have a very low credit score because I don't have a long credit history and I've had too many businesses look and my credit ( seven inquiries in 12 months). I want to buy a new car and with my age and my credit score being only 574 it makes it very difficult. Do you have any suggestions. I also thought of getting a loan for a cheap used car first. Do you think this is a good idea or should I wait a few months to raise my score. Can you help me please. I'll appreciate any advice you give me.

Thank You
Clueless about Credit
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Bo Majors / to Real Live Human Being / show details / Apr 25
A collection from car insurance that you have now and is current? That should be negotiable. Call the insurer and firmly ask for removal and a letter stating you are current and paid as agreed as the debt must be paid off or they would not allow you to keep current insurnace with them.

7 inquiries in 12 months is not hurting your score. No current rated credit and past bad credit is hurting your score. In one year you can raise you score big time with 3 current rated and reported credit cards or loans.

I had 4 collection items on my credit report. I have since pd them. I have a calr loan that was showing 30 day late several times. I have since caught up ans it should start showing as current. My current score is 580. I hope my score increases quickly. The collection agencies have agreed to remove the items. How much do you think my score will increase?
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Bo Majors / to Real Live Human / show details / Apr 25
you need to get the 30 day late marks 1 year in the reaview mirror AND keep at least 3 open rated and reported loans or cards open and your score will jump to 680. I would say if you get all the collections gone it will help you up to 50 points and all bad credit 1 year in the rearview with new good stuff will put you in the 680-700's in one year.

I have a some questions about my credit situation. I have raised my score (middle score) to 622, but have some past collections, 2 car repos from 2003= $20,000, and some other small colections totaling around $5000. So total collections is $25,000. All collections are at least 2-3 years old. All recent (2 years) loans are in great staus.

Question #1- Without having the money in full to take care of these, what is the best way to take care of them?

Question #2- My wife and I are renting, we are looking forward to purchasing a house. Should I not attempt to buy until the past collections are paid?

Thank you, Live Human Being
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Bo Majors / to REAL PERSON / show details / Apr 24
Are the collections actively trying to collect now or has that come and gone. With repos usually they sell the car and bill for the difference between what u owed and what the car sold at autcion for. So 20000 sounds high unless something is active.
If not I would let that go. It is too much money. At most I might settle for 30 cents on the dollar what is left between owed and sold at auction. NEVER the full payoff.

If you have stable job and income you should be able to get some type of loan.
2 repos generally disquailfy most first rate credit lenders. There are many owner financing or private finance people that work with folks.
I would ask a bank about gettting financed and see what they say. Maybe an independant Mortgage Borker would be even better.
They will tell you exactly what you need to do as far as credit.

Any real people out ther who have tried lexington law to repair credit report

Fix my bad credit report free. Self help: Lex Law and credit repair Previous post about Lexington Law.
Lexington law has the best reputation and track record out there. But be notified that you can do everything they can do if you know how. Lexington Law does uncover every opportunity to help credit but can only do so much. Some bad credit just cannot be fixed. Some bad credit that you think ca not be fixed can be fixed. Lex Law is worth the money if you really can be helped and possibly have had problems with inccorrect data that the bureaus will not help you with.
Here is link to Lexington Law and link to my Fix credit free website.

Hi, my name is Real Live Person.
I came across your website in an attemp to try to fix my credit issues on my own. I have absolutely no idea where to begin. Right now I am 26 years old and my credit score is 541. My major issue comes with a house I was purchasing in 2002. To make a very long story short, I had a great job and I concieved my 4 year old daughter and gave birth to her on May 30, 2003. 1 week after her delivery I was put into the hospital with a horrible infection, very close to death. When I was released from the hopital I could not work for 2 months, resulting in the loss of my job. Obviously, without a job for that long, getting behind on bills came very easily, they repossed my home and my vehicle.

I definately can understand these being on my credit report but there are a few things on there that I think I would like to dispute. Including a few old hospital bills, an electric bill and a Verizon Wireless account that I never set up. There are also a couple of items on there that I have no idea what they could be, even after going through all of my paper work.
Also, showing up are 2 different cars, both of these cars were trade-ins so I do not understand how they are showing up on my report. Here is my list: GET READY

RHD Hospital (Hosp. Bill)
$1,749 Reported
$0 Paid

Paramount Rec. Systems (Hosp. Bill)
$155 Reported
$0 Paid

Pro-Path (Hosp. Bill)
$75 Reported
$0 Paid

Presbytarian Plano (Hosp. Bill)
$513 Reported
$0 Paid

Hilco Electric Co. (I never set up this account. Would like to DISPUTE.)
$94 Reported
$0 Paid

NorthLake OBG-YN (Hosp. Bill)
$310 Reported
$0 Paid

Santa Rosa (Apartment Complex)
$1,805 Reported
$0 Paid

Sprint PCS
$820 Reported
$0 Paid

Madison On The Parkway (Apartment Complex)
$405 Reported
$0 Paid

Nextel Communications
$424 Reported
$0 Paid

AAC (DONT KNOW what this is. Would like to DISPUTE.)
$254 Reported
$0 Paid

Midland (DONT KNOW what this is. Would like to DISPUTE)
$807 Reported
$0 Paid

Verizon Wireless I never set up this account. Would like to DISPUTE)
$807 Reported
$0 Paid

Nisson-Infinity (VOLUNTARY REPOSSION)
$16,590 Reported
$0 Paid

Americredit (TRADE-IN CAR, Would like to DISPUTE)
$28,714 Reported
$0 Paid

Primus (TRADE-IN CAR, Would like to DISPUTE)
$19,488
$0 Paid

Option 1 (House Mortgage)
$156,600 Reported
$0 Paid

So, thats it, if there is any way that you could help me out, that would be great!!! One very important question that I do have is a matter of your opinion. Would you recommend me to try to fix this mess of credit that I have here, or would you suggest that I should just file bankruptcy. Your help is greatly appreciated.

Thank You,
Real Live Person
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Bo Majors / to Real Live Human / show details / Apr 23
Of course dispute ANYTHING you "would like to dispute"
Looks like midland and verizon are duplicates one must go for sure.
Try anything insurance you can on the hospital stuff.
pay off anything you can if they agree to remove it from your report when paid in full. Get something in writing.
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
Get 3 current lines of credit and keep them open for a year. Pay some money upfront to open up a ccard or something that "reports" to bureaus.
In one year your score will be 640+ just on getting new good credit alone to cover up all the old bad stuff. Start small and think small. All you want is something current and good.

you can definately raise your score big time in one years time.

Tuerned down for car loan with great credit but bad debt to income ratio.

Hello, Bo!

I was recently turned down for an auto loan because the Bank said I had too many open accounts, and my debt to income ratio was too high. Being that I have always had excellent credit and have never been denied before in my life, I immediately ordered my credit report.

My credit report states that I have 21 open lines of credit, some with lines as high as $18,000. My Fico score from Experian is 733. I have no negative marks on my report, no judgements, no delinquincies. I have an 81 month history showing, with not even 1 past due mark anywhere, ever. On all of my accounts, the highest reported balances have never been over 40% of my limits. I didn't get to the comfortable financial situation I enjoy now by being irresponsible with my bills, or my credit.

I'm concerned because I noticed several things on my report that I don't understand. For example, the same Macy's charge card account is listed 4 times, all with the same account number, but all with different opening dates, last activity reported dates, and 2 with higher credit limits than the other two. I have only ever had 1 card with Macy's. I only applied for the card one time, and I cannot understand why it appears 4 times, as 4 separate open accounts (all with the same account number, mind you). All are reported favorably, paid as agreed. However, the combined line of credit for all 4 comes to almost $10,000. They are listed as separate open accounts.


There are several other cards, including a JC Penney Charge card, and a Chase credit card that appear more than once, with different account numbers and opening dates, even credit limits. I have only ever applied for 1 Penney's card. I have only applied for 1 Macy's card. I have only applied for 1 Chase card...etc. Other than our mortgage, my husband and I kept everything pretty separate, and I closed all of his accounts when he passed away 5 years ago.

Can I have the "phantom" accounts removed from my report? By my calculation, I have 8 "Ghost" accounts appearing on my report. They are all favorable accounts with excellent history, so I am not questioning identity theft or anything like that. I'm just concered about all the open credit lines.

Also, Can I close credit accounts that I have not used in over 5 years without a negative impact on my score? They are all in good standing, and all have $0 balances (for years).

Needless to say, I was very upset to be denied a $20,000 car loan when I have 2 million dollars sitting in the bank, and I make over $60,000 a year in interest that I live on. I thought I did everything right, and now I'm not so sure. I am 54 years old and have NEVER paid a bill late in my life. Why is my score so low?

I would appreciate your help...your website has been very informative.

Thank you for your time,
Rea Live Person
-------------------------
"majors@oskie.com" / to Real Live Person / show details / Jun 8
dispute the macys as duplicate. use the form n my site
dispute the others as duplicates also

Debt ratio has to do with income versis debt not bad accounts or owe too much to amount allowed to owe

733 is great. i assume they turned you down because you have more than 40% debt against you monthly income
If you can pay your debts down less than 60000 x .40 / 12 equals 2000 per month allowed for debt agianst income.

No bank can loan someone more than they can reasonably pay so they set it at .40 - .45 of monthly obligations.
- Show quoted text -


On 6/8/07, James Higgins <vernon47@ptd.net> wrote:

-----------------------------------
"majors@oskie.com" To Real Live Person / show details / Jun 8
my answer looks king of jumble so I am gonna try again

income = 60000 / 12 = 5000 per month
debt can be no more than 5000 x .40 = 2000 per month

Bo, My credit score just dropped from 275 to 476 from the last time Ichecked, which was May 2007. This is a break down of what Equifax isshowing,
1. Capital One Bank (credit card) Charge Off $721.00, Date of last activity12/2001
2. Credit Acceptance Corporation (Car loan), Bal 5,453, (repo)
3. First Premier Bank (credit card), Charge Off 528.00, Date of lastactivity 12/2002
4. First Premier Bank (credit card), Charge Off 793.00, Date of lastactivity 12/2002
5. HSBC Bank NV FKA (credit card), Charge Off 1,543.00, Date of lastactivity 10/2003
6. PRESIDIO/CM (credit card), Charge Off, 2,361.00, Date of last activity12/2002
7. Toyota Motor Leasing (car loan), Charge Off 9,208, Date of last activityu07/2002
8. Collection (dental bill), 258.00,
9. Asset Recovery System INC. (credit card collection), 1,544.00, Date pf;ast activity 04/2004.Reason, went thru a divorce in 2004.....most of this is joint asset thatwas in my name only.
-----------------------------
"majors@oskie.com" / to Real Live Huma Being / show details / Jun 11
I would try to re open the premier accounts,by paying them off and after 1-2 years asking for removal of the old data since they only report the last 24 months only.
make sure you have at least three open and rated credit lines.
pay off capital one but do not re open them.
pay off the dental bill.
always negotiate your payments.

My sister stole my social and ran up credit and had my license revoked.

How to I fix credit theft and bad credit on my credit report

I cosigned a loan and now my credit report and credit scores show an attachment paragraph/statement.
I am a 57 year old female who was in better than good credit shape until 2001 when I co-signed a loan for $5,000 to help my oldest daughter establish good credit. I did the same thing for her with her cell phone. She made the payments for at least a year, I moved 200 miles away thinking everything was OK, did not think to advise the bank and cell company's of my change of address, and a year later the phone began to ring. She had been given an additional $5,000 in credit and max'd out the card. She hadn't made a payment in over a year. When she could no longer pay her cell phone bill, she simply turned off the phone and made the bills disappear, avoided the collectors and moved from time to time to keep herself unavailable. You don't want to know the BS she sold me~

When I moved I applied for a mortgage loan. I was overqualified to purchase the simple home in West Eugene. I was denied the loan and given my credit report. During the next 18 months, I paid off all the credit debts, settling the $10,000 with the collector. They didn't care about how I got in the mess, they could not help me in any way.

I was so embarrassed and humiliated when the loan apps were refused. My daughters name did NOT appear on any of the paperwork and I was responsible. I don't want that to happen again. I need to get those awful statements removed from the reports. Can you help me with that? I did buy that home with the help of a friend. Both our names appear on the title but it was his good credit scores and my finances that got us in. In May, I want to apply for a refinance and take over the existing mortgage. If I can clean up the nasty 'attachments' to my credit report it would really help.

I look forward to your reply,
----------------------------
Bo Majors / to Live Human / show details / Apr 18
What you do is put the same kind of an attacthment on the account and state your side of the situation.
Make it 100 words or less. 50 is the best number.
Establish new good credit. You might try to re open that same account which is so problematic. It would show that you mean good but got caught in a bad spot. Use the free dispute form on my webite for personal info and write the letter, get in notorized, send it certified mail.
Establish new good credit

My name is Live Human and I was just looking at my credit report and I have some questions. Hopefully you can help me out. If I pay off debt that was already sent to the collection agency will that make my credit score better? Also if I cancel some cards that I have open and that are paid off will that hurt my credit? Should I just leave them open? Please email me and let me know! thanks!
------------------------------
Bo Majors / to live Human Being / show details / Apr 18
Keep the credit cards open for new good credit. At least 3 rated trade lines.
Negotiate before you pay.
Yes it will help your credit anytime you pay something off.

TO WHO IT MAY CONCERN EXPERIAN / PLEASE REMOVE MY ALL CREDIT BEBTS FROM MY CREDIT REPORT IT IS PAST DUE AND YEARS HAS WENT BY MY NAME IS KEVIN JONES ADDRESS IS 261 CANSETO ST HORNELL NEWYORK 14843 BIRTH DATE 5/2/1957 SS 12546-3572 ON MY TRANS UNION CREDIT I HAVE ONNY 1 HOSPITAL BILL I HAVE TO PAY ONLY I WILL MAIL YOU A COPY OF MY TRANS UNION CREDIT REPORT SO YOU CAN SEE AND VEERFIE ALL WHAT SON MY TRANS UNION CREDIT PEPORT


"majors@oskie.com" / to Live Human Being / show details
9:57 am (0 minutes ago)
use the universal dispute form
http://www.oskie.com/credit-dispute.htm

I have been trying to remove some false information from my credit report.
and I went through the process of asking the Company "LHR INC." to validate the debt.
It has been over 70 days and they have yet to remove the information from my credit report.
I called them today and spoke to 4 different people each of them gave me a completely different story.
One guy got pissed when I told him the call was being recorded only after he gave me VERY WRONG INFORMATION.
He told me that even though they haven't validated the debt, the information will stay on my credit report until I pay it off. I told him the call was being recorded after he said this to me, he got very angry and hung up on me.
I recorded each of the phone calls. Would I be able to use these phone calls to file a lawsuit against them?
Any information would be very helpful.
Thank You,
Real Person
----------------------

"majors@oskie.com" / to Real Person / show details / Jun 12 (4 days ago)
Use my free dispute form
www.oskie.com/credit-dispute.htm

Hey Bo
I have found your website very informative, for the last 3 months I have been working very hard to raise my credit score which started at a very low 524 now it is up to 554. I have paid off all my collection accounts and 2 credit card charge offs. for the last 6 months I haven't been late on any revolving or installment account. all the collections have been deleted from my credit report, although the 2 charge off credit cards shows "paid in full" they would not delete totally. I have a Truck Loan 1 yr old Harley Loan 3 years old (one 30 late pay last year(was out of the country)) credit card 500 limit which I pay off each month, and a 5000.00 signature loan which was paid off in a year. I think the thing that is really effecting my score is about 4 years ago I lost my job and couldn't make my payments and I have some 30 60 90 120 late pays. We want to purchase a home in the fall through the veterans "va" loan program and want to raise my score as quick as I can. Just looking for some things to do this quickly

Thank you for your time

Real Person
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"majors@oskie.com" / to Real Person /show details / Jun 14 (2 days ago)
keep the good stuff going and forget the rest
your score will go up by the time you are ready for a house

Hi Bo
Recently, I was delinquent on a credit card for almost 90 days because I was unaware that I had a balance! I have NEVER missed a payment of any kind on any loan or card up until this point, and they refused to fix my report even after I paid all of the crazy fees and now have a zero balance. I am 26 and had open credit accounts for the last 5 years or so. How much is this delinquency hurting my score? I had a 720 before all of this business! the kicker is.... the past due balance was about $30! This has been VERY agravating.Any suggestions would be apreciated!


"majors@oskie.com" to Real Person show details Jun 15 (2 days ago)
You need to get your report and see.
Guess work is for kids

Dear Bo,
How are you? My name is Real Live Human Being. I currently live in Los Angeles, CA. and want to clean up my credit. I also want to remove any questionable or unrecognizable items. I have an address on my report that I never lived at. The address is 85 Blue Bird Lane in upstate New York. For a long time my sister was using my identity and I think she used it during her stay at this address. I was hoping you could help me and remove this address from my report. If there is anyway you could call me and let me know if this is possible I would really appreciate that. I hope to hear from you soon and have a great day. All my best.
Sincerely,
------------------
Use the free dispute form on my website.
www.oskie.com/credit-dispute.htm

The creditor sent an e mail to collection agency to removed old debt from report but agency says they want. What legal authority can I cite in a letter to collection agency to get them to remove or what else can I do.
Real Person
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"majors@oskie.com"
to Real Person
show details
May 22
Use my debt validation letter
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

Hi Bo,

I am browsing the web and came across your web-site which provided insight as to cleaning my own credit. Although I have managed to settle out of 5 accounts, but three of which remain stubbornly on my report. I am have tried to dispute by phone, but was surprised to learn that although they are old, it can be re-sold as new accounts to credit agencies as many time as they deem necessary, even though the statutory time limit expired. Pretty slick if you ask me. However, I am certain that if researched properly it will show that these three stubborn accounts were in fact 8 or even 9 years old. Any ideas or any help you can provide me in hopes to complete delete these three accounts from my report. As mentioned, I took care of paying off 5 accounts and have settlement letters indicating same, should I send these letters to the Credit Bureaus. I need everything cleared from my report less then 30 days from now.

Your truly,
Desperately seeking answers.
----------------
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
Try this one them.
One should not have to pay twice for the same.

Hi, Bo Your website is awesome!

I have a collection account that was reported to the bureau on 4/2002. I had been paying the account, but come to find out, it had to be paid off by a certain time and if it werent, they wrote it off and reported you as delinquent. This is for a dcotor's bill. I paid off the $100 immediately in 2002. The status shows as paid on my credit report, but it still shows as a collections account. How can i request that this be removed?

Beyond this collection account, last year i decided to co-sign on my brother's car loan. BIG mistake, but I wanted to give him a chance, like I was given at his age. I have found out that he has been late 5 times. But he shot by high 600 credit score down to 560. Is there any possible way to get these removed? I have taken on the payments to ensure that they are paid on time. Please advise. I am so stressed about this situation. Very hard lesson learned.
-------------------------------
number one.
You might dispute it as not yours and hope.
number two.
I sold cars for 14 years. I explain these potentials to all who co sign. Sell the car and pay off the loan as fast as possible. The brother just does not deserve help

Hi, how you doing, I have been having problems with my credit report, but in 2000 I was in the hospital cause I was having problems, and then I nerver recieved a billo cause some of my insurance was paying for it, well after i moved they nerver sent me a bill telling me how much it was so they waited till 2005 and put it in the report, but it will stay for 2 years since they waited 5 yrs to put it in there, what can i do about that,
and Suggestions
----------------------
Thats what one expects if they move. Creditors cant find you so they put it on your report and make you find them. You should validate the debt if you are unsure about it. http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

I would negotiate to pay in full if they take it off.

http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

I have disputed some late payments on my credit cards online. Usually they come back as investigated and still remain the same. I was late on the payments but someone told me to dispute and usually they can't prove it and thay come off. It hasn't worked for me is there another way?Also, I want to pay off some debt using a service that settles with the credit cards and then I pay the service a fee. Will this effect my credit since they will have to close my accounts out?Thank you,
-----------------
Negotiate with the credit cards holders. It may not help but you can try.
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
Debt settlements are ok but they always negatively affect your score. So yes it will

I just want to say Thank you for all of the information you provide. It has helped me tremendously. I have spent close to $5,000 on people who claim to Repair Credit only to end up in a worst situation or nothing happening at all. So I recently decided to do it myself. I only wish I would have used that money toward some of my debt.

Anyway, I do have a question for you that I haven't been able to figure out on my own. On my credit report there are numerous names that are suppose to be my name or names I've used. They have different spelling or a middle initial or a letter is off of the last name, etc.etc. I have not used these names to get credit nor have I requested credit under these names. Does this hurt my credit? In addition to the various names are also addresses at residencies I never lived.

Should I be concern about them? If so, can you advise how I would go about getting them removed please.
----------------------
You should not be to concerned about these.
This happens when someone makes a mistake typing in your info for credit.
One can dispute this stuff though.
Use my free dispute form to get one clear name on your report.

17.00 on my credit report. I approved for a home loan

Hello,
I was reading your website and thought I would ask a question, I was looking at my credit report and found a collection agency entry on one of the three credit reports, Experian, its only for $17.00 but I need to get it off or at least show as paid, I may owe the money, I don’t know, it’s from the town I used to live in for garbage pickup service,
We are buying a house, since we had filed bankruptcy anything I can do to get my scores higher so I can get a better rate, So here is the questions:
I could pay the $17 dollars to the collection agency, try to get them to remove the entry, but what if they then notified all three credit bureaus? Then I’d be worse off
I could pay the town, then dispute it through Experian
Any other ideas?

Thanks!
Reral Person
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"majors@oskie.com"
to Real Person
show details
Jun 4 (20 hours ago)
Seventeen dollars is not helping or hurting your score but it needs to show paid in full. So talk to the collection agency and see if they will take it off if you pay the fee. You may need to get authorization for the collection agency to do this from the town.

Written off and included in bankrutcy on my credit report.

show details
Jun 4 (17 hours ago)
Hi, I'm trying to correct my credit report after chapter 13 bankruptcy. I finally got the credit card companies to report a $0 balance due. However, not they are reporting the comments "included in bankruptcy, $4,035 written off"

Are they allowed to report written off, after bankruptcy has been discharged?

Real Person
----------------
"majors@oskie.com"
to ONLINE
show details
Jun 4 (17 hours ago)
The comments do not hurt your score and the included in BK is actually very good as most BK fail to make the details available on most accounts that have been included in bankruptcy. Written off really just says the same thing as included in BK and means nothing at all.
Of course any accounts stay on credit for seven years not until a BK is discharged.
Get new credit going and make sure all your reports show your BK accounts included in BK zero balance.

Fix Bad Credit Reports Must Do's. 12 Steps to good credit.

Fix Bad Credit Reports Must Do's
*I catch bad credit "as it is happening or quickly" and negotiate for good credit help.
*I negotiate with past creditors before I make my payment to clear past bad credit.
*I always keep at least 3 active open lines of credit with at least 12 months on time payments.
*I keep my "debt to high credit alowed limits" to less than 80% and try for 30% on all my open and active lines of credit.

Read More about the "12 Steps to Good Credit"

My name is Bo Majors and I had bad credit. 3 collections, a charge off and three car/lawnmower/health club loans that showed over 30 days late numerous times each. When I tried to buy a home I was turned down and told to get my act together. I had such a hard time figuring who to talk to and what to do that I made this website. I hope it helps you get good credit fast.

How to safely use Cash Advance

How to Safely Use a Cash Advance

Cash Advances can be helpful or detrimental to your budget. Do you have a large bill, or several smaller bills, that need to be paid this week, but you don’t get paid until next week? Maybe you splurged on groceries this week, thinking that your husband made the necessary credit card payment, only to realize that you were supposed to pay it. Now, since you bought groceries, you don’t have the money to make the credit card payment this week, but you’ll have it next week. You could apply for a cash advance instead of waiting until next week and racking up a late fee.

Cash advances can get you out of a tight pickle and can also help you avoid credit problems. Taking out a cash advance won’t affect your credit score as long as you pay it off, but making a late credit card or mortgage payment, or missing a payment, will in fact harm your credit score. In the long run, a low credit score can prevent you from buying a car or even a house. In the short scheme of things, missing a rent payment could get you evicted from your residence, which is obviously detrimental to you.

Cash advances can help you when you are in temporary financial need, but they also come with their risks. To avoid these risks, always borrow responsibility when it comes to cash advances. Think of your budget and figure out how much money you can afford to borrow. Don’t forget to account for the interest charges that come with the payday loan, also. Shop around for the lowest interest rate, and take your time making a decision. Don’t borrow more than you can afford to pay back with your next paycheck, or you could end up paying hundreds of dollars more than you ever intended.

If you borrow wisely, and stick to your budget as best as possible, a cash advance, or payday loan, shouldn’t get you into too much trouble. But also weigh the consequences. For instance, if missing a rent payment will get you evicted, perhaps it’s worth going into debt for a few months if you borrow more than you can technically afford. Figure out what’s important to you before you borrow, and be wise.

I am trying to get a loan to pay off old charge offs.

Real Live Human Being / to me / show details / Apr 13
Bo:
I have been trying to get a small loan to pay off old charge offs that has been on my report for over 7 years, what is happening, they seem to keep getting renewed. Do you know how I can go about of paying off these old charge off collections. Will it do any good to pay them off or leave them on. I am wanting to purchase a house in the near future, my credit score is low, 479
Real Live Human
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Bo Majors / to Real Live Person / show details /
You have to get new good credit.
Then negotiate on the debts
read this.
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

Collection demanding 258.56 payment on an account they purchased but it is not mine.

Real Person / to me / show details / Apr 13
I recently received a letter from them demanding $258.56 for payment of an account they recently purchased. I have a perfect credit rating and have never owed anyone this amount of money. Looking at MCM on the internet, they seem to be 99% crooked. How do you fight them? An attorney would cost more than the amount they are asking for which is probably part of their plan. From what I’ve read, once you pay them to get rid of them, they continue to come after you with other allegations.
Real Person
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Bo Majors / to Live Human / show details / Apr 13
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
get a certified debt validation letter

Ex wife and divorce said she must pay and the creditors are reprting me as late when is is her credit based on the divorce.

Real Person / to me / show details / 4/17/06
Hi. I pulled my credit report last Friday and about had a stroke.

I have items on my credit report that belong to my ex-wife. When we divorced 4 years ago, she was to take half the credit card and be responsible for them. I took the other half. We were both to remove the other's name from the card. There are several cards that she just closed and they have zero balance. There are several that she closed and and is still paying on. AND there are several that are still open and have lots of 30, 60 and 90 day lates on them. My credit score is plummeting. I talked to Wells Fargo Bank, who the cards belong to, and they will not remove my name even though the court decree says that she has to. On the two worst cards, she owes $10,000 and $3,000. I feel hostage here. Help!

We originally opened this account un 1983. My credit score right now is sitting at 620!

Bo Majors / to Real Person about to have a stroke / show details / Apr 13
That is the plight of a cosigner.
Consult your attorney but do not expect help from creditors.
Very Common I might add. Sorry

Here are the best steps to getting my wife off my credit report.
1. Any account you can close that has both names on it close now.
2. Sell any dual owed property that has both names on the loans.
3. Add a comment 50-100 words showing which accounts have both names but were assigned to your spouse in the divorce decree.

Low credit score is keeping us from buying a home. How do I get approved and raise my score?

Husband and Wife / to me / show details / Apr 10
Dear Mr. Majors,

My husband and I are getting ready to apply for a home loan, his credit score is thur Equifax is 595 and the other two report it as 601 we know that it is not a very good score to try and buy a home with. I was wondering if you could give us some advise on a company we could apply with, having a bad score like he does. We filled bankruptcy and it was discharged in May of 1999. After making it pretty good for a while (3 years or so) and started to get our credit built back up he lost his job. We didn't even see it coming he came home on a Monday and said that his last day was Thursday. There goes our credit again. He has a good job now and 601 is the highest we can get our score up, because he has 2 credit cards that is way past due and they don't want to work with us. We've wrote them letters saying we would like to make the wrong, right and one of them we haven't even heard from. I've received calls from collection agencies but they want talk to me and my husband sleeps all day (he works 3rd shift) so there is nothing we can do about those. They want even give me a number to have him call back and it don't show on his credit report as in collections. But it will give it time. On his report it just shows way past due. I'm scared of applying for and home loan and get turned down and on top of that when they check his credit score that will make it go down. Then I have to try again. I just don't want to apply again and again and all the time it is bring his score down. Please if you don't mind to help us out and get us going in the right direction.

Thank You and God Bless

Live Human
------------
Bo Majors / to Real Person / show details / Apr 11
Look for owner financing. MANY homes have owners that will finance for people that have good jobs. Ask around. Ask a few banks. Ask a realtor. Get into and you will be earning equity.
One has to pay the credit cards somehow someway. Negotiate to lower the balance and pay. In the mean time one needs 3 open lines of credit. i suggest getting a gas card, a regular card and a small loan that all report to bureaus. If they will not apporove you give them collateral like money mabye for the cards and a car or something for the small loan.
In 2 years your scores will be in the 650's plus.

Divorce in 2002 gave me bad credit. Should I settle or pay accounts?

Real Person / to me / show details / 2/9/06
I have very bad credit now after adivorce 2002. I now have the money to fix it and would like to pay them but they are all in collection agency now. They don't negociate at all. Since I have bad credit anyways with the 10,000 debt should I pay them in full or settle with a amount. I have opened a secured bank card and plan on trying to rebuild but they have written off my old stuff. Should I just settle for and pay some of the bill with them since they won't erase the wo from my credit
pls give me some advice thank you

oh I already got my crd report and disputed the items
Real Person
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Bo Majors / to Live Human / show details / Apr 8
Sounds to me like.......i would settle only with the agreement that if you pay say 30% 40% whatever it is, that they report settlement accepted and paid. After payments are complete.
I would NOT pay in full if they refuse to remove the account completely. I would concentrate on opening and maintaning new good reported credit. Make sure any new credit is reported. Use some of your money as collatral if needed but use as little as possible.

The new good credit will help you more than the old bad credit in most cases

I cleaned up a collection and now thery are reporting it again by another collection company. Is this legal?

Live Human Being / to me / show details / Apr 8
Hello Bo,
I have come across your Website and I would like to ask you a question about Collection. I had cleaned up a collection I had on my credit report. I disputed with the credit reporting agencies, (Experian, Equifax and TransUnion). After the 30-45 day waiting period the collection and or Creditor did not respond to the dispute, therefore it was removed from my credit reports. All that happened in October 2006.
Cavalry (www.cavalryportfolioservices.com) stating that they purchased that Account from Sprint PCS, which is the one that was removed 6 months prior by not responding to the dispute.

Is it legal that they can do that? Can you please advise me on how to proceed? Is that common that they just keep sending and or selling that account around for years to come?

I greatly appreciate you help and service.

Real Person
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Bo Majors / to George / show details / Apr 8
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
Have em validate the debt.
Most times this makes the rats hide in the basement.

Capital One Credit Cards. Cap One.

Live Human Being / to me / show details / Apr 8
Bo,
Thanks for the service you are doing for everyone. I have two questions:
1. In your information you say stay away from Capitol One Credit cards and that one should try to re-establish credit with existing credit card company. I have a Cap One card that is now in collection and I am paying the balance now which will be paid in full in May. Which is my best approach to my credit concerning this matter, get a new card or try to re-establish Cap One?
2. I am coming off a 7 year stint with a Chapter 7 bankruptcy which has long been discharged but is going off my credit report in May. How much or will my credit score increase when the Chapter 7 drops?
Real Person
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Bo Majors / to Real Live Human Being / show details / Apr 8
1. get another card period.
2. After 7 years your credit should already be established and current, resulting in no noticable net difference in your score. 2 years back from today is weighted heavily on the score factor.

Get my accounts to reflect positive or good credit.

Live Human Being / to me / show details / Apr 4
Hello:
I've found your website while searching for resources as I repair my credit. Thank you for your assistance thus far. Your resources are wonderful. I have a few accounts that I need additional help with removing or getting into a positive rating. These accounts don't necessarily have a high balance - my concern is making sure that theu get reflected in a positive way.
Account One
1. type account
Installment Account2. how old
4/20033. payments made
Charged Off - Derogatory4. your credit score
565
This account balance is $1022 and interest is accruing. offered me a settlement of 30% will report settled, in full

Account Two
1. type accountCollection Account
2. how old
10/2006 (was sold) Account is much older but that's what is listed on report3. payments made
None - Derogatory4. your credit score
565
Balance is 116.93
Won't report to credit agencies or provide written confirmation that debt was paid in full or as agreed

Account Three
1. type account
Collection Account2. how old12/20043. paymnts made
None Derogatory4. your credit score
565
Balance is $149
Will report paid as agreed if paid in full

I would like your advice on how you think I should proceed? I appreciate any advice.

Thank you,

Live Human Being
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Bo Majors / to Real Person / show details / Apr 4
I would take deal one fast
I would use my dispute form and say not my account.
Same thing for the 149
Keep three good credit lines open.

I wrote a letter trying to negotiate with a creditor and have no response after 3 weeks.

Real Live Human Being / to me / show details / Apr 2
Hi Bo, I would just like to say thank you for you website on raising the credit score. I wrote a letter to a creditor negotiating a payment plan and it's been almost three weeks now and I have heard no response. Should go ahead and make the payments on the account the way I set it up or should I continue to wait. I left them my phone number and address but I got no response. What should I do? Thank you
Living Person
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Bo Majors / to Live Human Being / show details / Apr 3
Try again before you pay.
Get something in writing

If I contact a lender and offer re payment on charged off account does that start my sevn years over again

Live Human Being / to me / show details / Apr 2
My name is Tim, If I contact a lender to offer repayment on charged-off accounts, does that start my seven years over again.
Live Human
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Bo Majors / to Live Human / show details / Apr 2
Not until some action is taken like a payment.
Even then sometimes dates can be frozen if you negotiate and pay. They can do this but may say they cannot. All they have to do is post the payment and use a back date equal to the date of last activity on your acount listed on your report.

Jc Penny is being reported after ten years. Tax lien is also reporting

Live Human / to me / show details / Apr 1
Hi Bo,
My name is Wanda. I am trying to clean up my credit file. I notice on my report and have an old JC Penny's credit card that was paid off in 1997 but the creditor is still reporting this to the all three credit bureaus. Also, I had a State tax lien which has been paid in full. On my credit file it state "paid in full" but how long does this stay on my credit?
Please email me back at your convience.
Thank you very much.
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Bo Majors / to Live Human / show details / Apr 1
The jc penny should be disputed as old AND INACCURATE
State tax laws vary on length of credit stays. but ten years is a max after payout

Closing credit card accounts can hurt my score

Live Human / to me / show details /
Hi Bo,I didn't know that closing an account could lower my score, and I closed two accounts. It lowered my score 38 ponts! What can I do now? Can I re-open the cancelled cards? (I think one was from citibank). Or should I accept the next american express card or other offer that I get, as opposed to asking for the card? What about raising my credit limit on my existing card? I have no balance on my card, I pay it off every month. I have only one major card now and various store credit cards, all with zero balance. Thanks for your advice. Live Human
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Bo Majors / to Live Human / show details
Closing and account that has no balance should not hurt your score at all.
If this is the case something else is up.
Since accounts need to be open 1 year to get a rating for your score it is usually quicker and more helpful to re open than to start from scratch.
Something else is up I think.
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm

I paid off my loan early and it shows paid of on my report but my score is the same?

Live Human / to me / show details / Mar 30
My Old Credit Score is 658. I recently Paid off a Bank Installmant sales Contract or Loan in the Amount of $9,720. I even paid it off 2 and half years Early. I looked at my Credit Score Online. And it shows the Loan to be Paid Off/Satisfactory. But my Credit Score is still at 658 and hasn't changed at all. Why is this? How long after the Loan shows to be Paid off will my credit score be Raised? Or should it have been raised as soon as it showed to be Paid off then? Should a Credit Score raise a Soon as it shows on your report to be paid off or does it take a while?

Thanks Bo for your Help I appreeciate it.

Live Human
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Bo Majors / to Live Human / show details / Mar 30
If you have been paying on the debt awhile and you already owed less than 80% against your original loan limit the change in your score will be of little consequence as far as scores go.
Or you may have paid the loan off before a full year elapsed and received no help on your because the loan was not a rated loan due to less than one year old.

Capital one is hurting my credit report score

Live Human / to me / show details / Mar 28
Hi Bo-
Let me just say I’m very impressed with your credit help site. My husband and I have diligently been working at raising our credit. In September we pulled a 620-630 credit score. About 5 months ago we started using our capital one card for gas & groceries. I pay the card off every month. We are ready to jump on the home band wagon and were really excited to pull our credit. Thinking it was about 690-710. Boy was I surprised. We both came in about 595. I have been consumed with getting this taken care of. I have been reading about how bad Capital One is for your credit score because of their failure to put your available balance on your reports. I hate being on this end of a lesson. Here we thought we were doing the right thing to get ahead. The first step I did was contact Capital One and tell them I’m disputing our $0 available balance on the credit report. They will file a dispute and send me a letter in 10 days. I will contact the credit bureaus also.

The other question I have is, how do I remove things on my credit that are more than 7 years old? I was told to write a letter to each creditor letting them know we are purchasing a house and would like this item removed. The worst I have on record is 30-60 days delinquency 4-7 years ago. I think I’m a good candidate to remove these items.

Any help you can provide would be greatly appreciated!!

I look forward to your response!

Thanks!
Live Human
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Bo Majors / to Live Human / show details / Mar 28
http://www.oskie.com/credit-dispute.htm

Dispute the old stuff

Just get another card than a Capital One

are secured crdit cards good for my credit report score

Live Human / to me / show details / Mar 27
Hello,
I would like to know if Secured Credits Cards are good for my credit report score. I will have to put a deposit down, but they say they report to 3 credit bureaus. The company is New Milleneum Bank.
Please advise
Live Human
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Bo Majors / to Live Human / show details / Mar 27
If they report to the major credit bureaus it is good. So YES!
After 1 to 2 years get approved for a unsecured card that reports.

Collection being re reported much later than orginal collection

Live Human / to me / show details / Mar 25
I was wondering something, if a recycled collection account appears on my credit report after having it removed and now is w/ a new company. How exactly do I dispute that. It is being reported as if it is from 2006 but infact is from 2001.

Thank you,

Live Human
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Bo Majors / Live Human / show details / Mar 25
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

Need charge offs and late payments removed from my report

Live Human / to me / show details
Hello Bo, I have contacted you before, months back. I am trying to repair my credit in order to get approved for a mortgage at a good rate. I have two charge offs on my credit which have been paid off. I have letters from the collectors , stating paid in full. What do i do now. I would like the charge offs to be removed from my credit. Was wondering how to go about that. Also have a circuit city visa card that has a zero balance but a few late payments. When i contacted them about it they refused to remove them as it would be false information on my credit. If you have any help for me please inform me. Also i closed one credit card that was charging me a monthly fee (Fix your credit type card). I am looking to apply for a new card, but want to make sure my credit is up to par. Please email me back when you get a chance. Thank You

To Live Human / From Bo Majors /
The charge off will stay on your credit as you [aid them before you negotiated to have them removed so forget that whole thing.

i would try to re open the circuit city thing and establish new good credit. Takes one yr.

if the company that charged you a fee is reporting to bureaus i would keep it open for a 2 year minimum
Read This Page on Credit Help Negotiation.

Old collections are hurting my credit. They are past 7 years old.

Live Human / to me / show details / Mar 19
Hi Bo,
I came across your web site looking for credit help because I have paid several people for help in the past two years and nothing has changed! I have wasted a lot of time and money and now I want to help myself!!! I recently pulled all three reports and found that everything on my report has been re-dated to the current month! It is all old collections some even past seven years! How do these collection agency’s come to the date of last activity? If I tried to validate the collection should this have happened? This was the only think I’ve done in the past couple of years. How can I get them to put the correct date of last activity if validating should not have played a part? Help!!!!

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Bo Majors / to Live Human / show details / Mar 19
You need new and current credit if that is theonly thing youve done in the past couple of years.
Not sure how to answer the rest
7 years is 7 years and if you paid them off or negotiated with them 2 years ago things should be about right by now with new current good credit.
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Live Human / to me / show details / Mar 19
WOW!!! Thanks for such a quick response. I will try that!!! I do not have any new or current credit right now!

Will I lose my bargaining power if I send a letter to negotiate with a good faith payment

Will I lose my barganing power if I send a letter to negotiate with a good faith payment?
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Bo Majors / to Live Human / show details / Mar 17
negotiate first
pay after
YES

Paid origianl creditor and a collection agency filed on my report

Live Human / to me / show details / Mar 16
My Credit scores are TR 588, EX 611, EQ 586. In 2003 I had a hospital bill for $177 that was just about to go into collections I negotiated with original Creditor to pay $59 for 3 months - Paid to original creditor. Immediately after I made all 3 payments I began receiving letters from the Collection Agency I have had conversations via telephone and fax with them informing them that I had paid debt to original creditor. This account remains on my credit report only for Experian (negatively) under collection accounts as "Paid" What can I do to have this removed and if so will this make a difference in my score? Can I write to NCO to ask for the account to be deleted?

Thanks so much for your website.
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Bo Majors / to Live Human / show details / Mar 16
One almost always needs to negotiate before payments are made.
You have very little to go on
BUT
The collections agency should not be able to report something they haven't collected on
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Live Human / to me / show details / Mar 17
Thank you so much for your help....You are awesome! Who should I send a letter to NCO (Collection Agency) and tell them just that...or do I leave it alone and what would I say to NCO what is the law on that.
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Bo Majors / to Live Human / show details / Mar 17
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

What is the best wording i can use when disputing a mortgage late on my credit report/

Live Human / to me / show details / Mar 14
Hi! What is the best wording i can use when disputing a mortgage late on my credit report for the month of January 2007. Please adv
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Bo Majors
to Live Human / show details / Mar 15
Call the mortgage company and negotiate with them.
Best way

Opened best buy credit and paid it off and have a zero balance. they say we still owe money.

Live Human / to me / show details / Mar 14
Bo,
Great site - not sure if you take emails anymore. I read through most of your site however I am not sure how to tackle the below.
1) Type of Account - Revolving credit via Best Buy via HSBC. 2) How old - August 05 3) Payments made - All of them/12? 4) Credit Score - 713
Basically we opened an 18 month interest free account for $3600 at Best Buy. We paid it off before the 18 month expiration and currently have a zero balance. Here's where it gets weird. Equifax has us down for an account where the first seven numbers are not ours, but the last nine are from our paid off account. They are saying we still owe $2378 on this other account. I called HSBC and they only have us on one account and it's zero.
Not sure where to go from here to prove that the other account doesn't exist or if it does, it's not mine.
Any help appreciated.
Live Human
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Bo Majors / Live Human / show details / Mar 14
Who says you owe money Equifax?
I would just dispute the record as not mine.
713 is a great score already but one needs to find out about debts in dispute so it does not go down.

19 closed accounts on my credit report we paid off will it hurt my score

Live Human / to me / show details / Mar 12
Hello,I stumbled upon your website and liked what i was reading and thought you could give me some advice. I have 19 closed accounts on my credit report including accounts we paid off when we refinanced,do these closed accounts hurt my credit score,accounts include mortgage,loans,etc.... 17 of the 19 are reported as pays as agrees and zero balance,a couple our from 1997 and 1999,and 2 are credit cards and they are reporting as a charge off,settled account.Should any of these be taking of my credit report to get my score higher?
My score is 480 on my equifax report,i had lost my job and recently had fallen behind on my mortgage,ford credit, and a loan plus 2 credit cards. My house,loan,and one credit card will be paid up this month,how much will this help my score? We want to refinance and was told we need to get over a 500 to do so and paying these up would do that,but if i can get my score in the 600's and it takes me a little longer to get a loan thats what i would like to do. thank you for your time,ant info will be appreciated.
Live Human
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Bo Majors / Live Human / show details / Mar 13
Sounds like you arer wrecked enough to not expect miracles quickly.
Closing does not hurt your score unless you do not have three open and current reported loan or cards.
500 is a very low score and you chave serious problem, but possible the best chance to make better.
The mortgage and Ford will hurt for a long time and are practically not helpable unless you catch bad credit right as it is happening.

keep three open credit lines.
pay off and get current everything reasonable.
2 years from now your scores will be very good
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Live Human / to me / show details / Mar 14
Thanks for the advice,the mortgage guy said the same thing,but in a month we'll be paid up on everything so hopefully we can get this back on track.

Trying to raise my score with double hits on past bad credit

Live Human / to me / show details / Mar 9
Hi Bo!I'm so glad I found your website. I could really use your expert advise. Here are my questions: My credit scores are very low (663, 688, 693). I noticed that on the 663credit report, there is an accurate charge off for a very old cell phonebill. The creditor listed is not who probably ownes the debt at this time. How do I go about finding out who has the debt so I can pay it off??? My other 2 reports do not show this collection. 2 of my reports show a charge off debt originating from Sears, then sold toLivingFund. I did negotiate a payoff with LivingFund and they promised tomark me as paid in full. They did NOT do this. Additionaly, both the Searschargoff and LivingFund (both are the same debt amount) show on my creditreport. Am I being hit twice for the same bad debt???? I have been making all credit card payments on time, and more times than not, pay in full. At this time I have a few small department store cards and 3 major cards: Discover ($118 balance - $4400 credit limit/used to be$7200 but dropped me down due to old payment history) Chase Vise ($0balance - $1300 credit limit) and Capital One MasterCard ($0 balance - $998limit). I also have a checking account Visa, but that never generates abill, it's automatically deducted from my checking everytime I use the card. All my past late payments, collections, etc is all accurate. I'm jsut very concerned about the fact that the one collection agency lied about how they would report our negotiation, as well as the fact that the collection agency shows up along with the original creditor who wrote the debt off. I would think this is a double hit! Please advise me on the best wy to go forth so that I can raise my score, as I am shopping for mortgages and would like to correct all I can. Thank so much!
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Bo Majors / to Live Human / show details / Mar 9
your scores are not " very low "
your scores are great.
yes everything you said will help
but dont sweat it man your 663 +
just make your payments any your a ok

I have had success removeing errors with transunion and equifax but Experian is violating my rights

Live Human / to me / show details / Mar 9
Hello Bo,

Quick question,
I have had success removing False or old information from Equifax and Trans Union, however Experian will not remove anything I send them.

They also have my name listed 10 times, 10 different ways on my report .And I only get bills on one name. I have read they are the worst to deal with.

Any Idea’s on how to play hardball with them?

Real Live Human
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Bo Majors / To Real Live Human / show details / Mar 9
Of course dispute any error period.
Keep copies of your disputes.
Go to the BBB or FTC if you can't resolve.
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Bo Majors / Live Human / to Don / show details / Mar 9
takes 15 to 30 days

Car loans and mortgage loans shows late payments and i have closed many credit cards

Real Live Human / to me / show details / Mar 7
Dear Bo:First of all, thank you so very much for your self-help advice on credit reports. It is extremely helpful and timely for me. I want to purchase a home with my fiance and wish to get pre-qualified first from a lender.I sent for my free credit reports from the government suggested cite and learned that my score in Equifax is 620 and in Experian is 680. I have several credit cards that I do not use that were listed on my credit report--something like 8 of them. I went ahead and cancelled all these cards thinking it would work against me to have so many credit cards on my report. Now I understand that that was a mistake. Can I re-open an account without it showing up as a new account? Is it worth trying to do this?Also, I had a bad debt of $86 listed on my account from an unpaid medical bill that was the result of the insurance company going to my former employer and finding that my dependent whose care this concerned, was listed as terminated from my insurance. At the time, I sent a letter to the insurance company to that affect and they said they would reprocess this. They must not have because the debt now sits on my credit account. To avoid any further threats to my score, I went ahead and paid the amount -- $80. The credit collection agency (Nationwide Credit) said they would report that the case is closed to the credit bureau. Does this mean that it will actually be removed or do I need to do something further to insure this gets done.Lastly, yes, I do have some late payments on both my mortgage (probably 1) and my car (probably 1). Is there anything I can do to mitigate the negative impact of that on my score.Thank you again for your great service to regular folks like me.Sincerely,
Real Person
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Bo Majors / Live Human / show details / Mar 7
yes to number One, you can re open the same account
Will show up as paid collection. 2 years from date of last activity that in and of itself will be meaningless.
Car and mortgage stuff has to be caught "as happening" to get changes done
- Show quoted text -
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Live Human / to me / show details / Mar 8
Thank you, Bo. I truly appreciate your help and your service to all of us!

I am looking to re-establish my credit history

Real Person / to me / show details / Mar 7
Equifax-630 Experian-630 TransUnion-680I had a few collection accounts that recently dropped off my credit reports after the 7 years expired. I still have one remaining collection account for the amt of $695 which is set to expire in June of this year. I currently have no open credit accounts and am looking to re-establish my credit history. At this point, I am on the fence as to whether I should simply go the secured credit card route or actually wait until June when my report will be clean. I also have 2-3 old credit card accounts in good standing that were closed quite some time ago. I only worry that the reporting period will expire prior to my opening enough new accounts and getting my score up into the mid 700's. Thanks in advance.
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Bo Majors / Real Person / show details / Mar 7
your one year away from having a good score because there are no open and rated (1 year) credit lines on your reports. Open credit cards, or past cards, at least three, and wait for one year.

Bankruptcy from 30 years ago hurting my credit still

Real live Human / to me / show details / Mar 4
Hi – I have perhaps the strangest question you have ever received. II filed for a bankruptcy in 1974 (32 years ago). I have been turned down for credit at American Express because they say I have a balance of over $2,000 left over from that bankruptcy. I was under the bankruptcy for almost 3 years and then came out from under it, made arrangements to pay each and every creditor off and did so. Unfortunately I do not have records to prove this as it happened 32 years ago. Today, credit is Excellent. I have had 2 – 30 day late’s in the last 10 years or more. Do you have any idea what I can do to get them to give me a credit card. I am unwilling to pay $2,000 to get a credit card and that is what they say I must do. I want this credit card because it is the only one you can use at our local Costco stores.

I am in the process of updating my free credit reports and have learned the importance of staying on top of it monthly and will be joining your service as soon as I do get it updated in the next 30-60 days. Any advice you can give me would be appreciated.
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Bo Majors
to Real Person show details Mar 4
2000 from 32 years ago is not supposed to happen
something else must be up
- Show quoted text -
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Real Person / to me / show details / Mar 4
Hi maybe this is not supposed to happen but it has. I have not had credit with American Express since the bankruptcy in 1974. In fact that is the company that I felt forced me into bankruptcy 32 years ago. They have the date right when the bankruptcy was filed and absolutely say I cannot get a credit card unless I pay the outstanding balance. I apply for credit with them about every 2 months just for the heck of it and they always turn me down. When I inquire, they always give the same above reason. Is there anyway I can force the issue that they cannot turn me down simply based on a bankruptcy that is 32 years old. This is not a joke. I am totally sincere in this. I want the credit card so I can use it at Costco and I guess it is just sort of the principle of the whole thing. You are welcome to call me collect at 206-794-1996 if you have any questions. I am a 67 retired school teacher and have guarded my credit so strongly ever since that bankruptcy. I am completely sincere in asking you if there is anything I can do. It is the strangest thing I have ever run across. I have no credit card debt, own 2 homes and make over 60,000 a year and none of that seems to make any difference. Thanks for any info you can give that may help me. Donna
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Bo Majors / to Real Person / show details / Mar 4
That sounds right for getting credit with them
But the account is not on your report
So Ok I understand
If you want credit with them then pay them what you owe them fast and beg.

Wondering what impact unemployed has on my credit score.

Real Live Human / to me / show details / Mar 4
Hello
I got flipped around on your website, redirected to transunion(wouldn't let me log in, then couldn't get through on phone!!!), I am wondering what the impact of not being employed (full-time student) has on my credit score. Will this increase dramatically once I graduate and become employed? I know my debt-to-income ratio will, how will this affect my credit score? Also, what about accounts that are over 5 years old and still not paid? Should I negotiate with these creditors to pay and have this removed? How long will it take for them to reage or remove ususally? thanks Real Person
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Bo Majors
to RP / show details / Mar 4
Has no effect at all
bank account, job, nothing
only credit related issues
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Real Person back to me / show details
kay, thanks. so what would you recommend to me if I have 3 collection accounts and 4 accounts (student loans) that are deferred until l2/07. Should I pay off these collections? I was told by citicreditmonitoring (accessed from you website) that this would actually lower my credit score by 8 points! How can I increase my credit score?
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Bo Majors / to real live person / details / Mar 4
Keep 3 open lines of credit and pay good for 1+ years
Do not get any more bad credit.
remove bad credit files if possible
pay off loans and debts

if paying the debt off only reduces your score 8 points I would do it just to say I did it.