Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.

Errors on charge off paid less than full balance open credit card. Non reporting mortgage. Refinance soon.
--------------------------
My credit scores are (638) experian (590 equifax) and (578 trans union).
(I’ve worked on my experian score for a bit.)

While they say you should not close open credit cards…I have several capital one cards that have
An “Open” status even though they list as “paid/less than full balance/charge off.” I paid these off two years ago.
Total number of open accounts for experian are 5, Equifax open accounts are “10” open accounts, thus I was thinking
Of closing the “open” capital one accounts, as I can see no real difference between experian and Equifax accounts other
Than 5 more open accounts.

I also noticed my home lender while lists on Equifax, reports no data N/a for payment history.
I am going to refinance in November for a better rate so I thought I’d start the process. I haven’t seen any info
On closing open credit card accounts that are in a charge off/paid less than full balance” status so thought I see what your
Opinion was.

Thanks for any input
--------------------------------
"majors@oskie.com" / to webmaster /
Dispute the errors with this form
http://www.oskie.com/credit-dispute.htm

A credit card cannot be open and charged off.

Capital One is not the credit one needs so close all of them you can. They report whatever you owe as being your high credit so your card is always maxed out. That is bad.

I would concentrate on making sure I had 3 open accounts that are being reported and wonder aloud why your mortagage is not showing details. I would call them. Now.

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address

Medical bill collection unknown. Inquiry or credit report pulled by collections agency to find my address
-----------
A part of my medical bill was denied by my insurance leaving a balance of $116 which I was unaware of. The doctor's office claims to have a bad address and they do not make collection calls so they passed my debt over to a collection agency. I feel that in this case a call is warranted if mail is being returned; they must have written the address down wrong. Then it went out to collections but they did not pull a report to obtain my address. My address is current on all reports and I had mail forwarding set up. So... did the collection agency have the obligation to pull my report in order to obtain an address?
--------------------------
"majors@oskie.com" / to Inquiry on unknown Collection /
Abosolutley NOT!They cannot pull your credit report unless you sign for it.
If you have an inquiry on your report from the collection company, then ask them to kindly remove the debt and inquiry from your credit report, plus send you a signed letter on company letter head saying such has been done as required by FTC law. No one may pull my credit report up without my signed consent.
Read this sort of related collection page.

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

I have a capital one card that is very old and I know it has gone to collections, but I don’t know which collection agency. I have contacted Capital One since they are still listed on my credit reports as the creditor, and they cannot find the account in their system. I have disputed and disputed, but they come back and say the debt remains, even after they sent me a letter stating that they cannot locate me in their system or tell me what collection agency may have the account now.

What should I do
---------------------
Dispute the collection. I guess the capital one is not going away. You have tried. I assume you used certified delivery mail with copies of any documentation you have or should have saying not in the file.
I would tell you to re open with capital one but they are bad. So I will not. They report your credit limit as being whatever you charge so you are always maxed out with them.

I have five late payments on my record from a closed account with Bank of the West. I have sent two letters trying to get the business to have them removed and not punish me for the full seven years. The Lexington Law firm advertises their ability to get them removed.
Can you give me any direction or advise about getting the five late payments removed on this paid in full account.
Thank you in advance for you help.
---------------------------
majors@oskie.com / I need credit help / show details / Jul 6
Sounds to me like you have done all you can with the letters.
Might ask for a manager.
Lex law can probably do no more.
Focus on new rated credit lines.

I have a credit score of 582. I have paid off all debts that were in collections. They were mostly medical bills. I did not know about negotiating total removal prior to paying them off. I don't know if it makes a difference, but many of the bills were for my daughter, which my ex-husband eventually paid me to pay off. However, I'd really like my credit score improved, as you can imagine. What would you suggest?Peggy
--------------------
"majors@oskie.com" / to I need credit help / show details / Jul 6
I would dispute any that are old and may be your daughters. Say not your and hope for the best.
Get at least three open rated credit lines
http://www.credit.com/r/problem_credit/af=p39646&ag=

The system the rep was referencing to was sears. I forgot to mention that I have three student loans a car loan, and a personal loan that have been open from 16 to over 48 months with no late payments. Is it still best to re open the card?
---------------------------
On 7/5/07, majors@oskie.com> wrote:
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 means Sears not a bureau. I think.
--------------------------
On 7/5/07, I need credit help wrote:

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.
----------------------------------
majors@oskie.com / to i need credit help / show details / Jul 6
Personal loans and student loan are looked upon as lower class loans.
I would try to get rid of both and get one credit card, one car loan and one home loan

Can the same collections agency put the same account on your credit report more than once?

CAN THE SAME COLLECTIONS AGENCY PUT THE SAME ACCOUNT ON YOUR CREDIT REPORT MORE THAN ONCE I HAVE FOUND THIS TO BE A PROBLEM WITH MY HUSBANDS CREDIT HOSPITAL BILLS LISTED MORE THAN ONCE FOR THE SAME ACCOUNT THAN-KS
----------------
"majors@oskie.com" / to Collection reports account twice / 8:42 am
They did it.
So yea
But I would dispute it as a duplicate
http://www.oske.com/credit-dispute.htm
--------------------------
Collection report same account twice / to me / show details / 11:17 am (1 hour ago)
thank you so much we are working on perfect credit it is just so hard to fix but your info is very helpful I have learned a lot from it.
----------------------
Always get collection debts validated even if you think it is yours.

Collection Company is calling and writing. They are collecting on a 4 year old debt.

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,
----------------------------
"majors@oskie.com" / to / show details / Jul 5
original creditor, they will tell you what you might be able to do.
hope for .35. But who knows?
get a letter on company letter head.
-------------------------------
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?
-----------------------------
Thanks for answering. The collection is for a student accounts balance (not a student loan, so it would eventually fall off.) I am in the position to pay something now, but not the whole thing. I also don't want this to drag on any longer. My credit score is 675, and I'd like to pump it up a bit more to purchase a house soon. How do I negotiate with them so I don't have to pay the full amount? How much on the dollar can I expect to pay? Should I negotiate with the original creditor or with the collection agency? How can I be certain they'll take the record off after I pay?

Thanks again,
---------------------
"majors@oskie.com" / to / show details / Jul 5
675 is a good score so wrok wih these folks if you can not upset that score.

Will filing unemployment affect my credit report?

I just recently lost my job and was considering filing forunemployment. However, I have a credit score of over 800 and I don'twant my filing for unemployment to affect my credit score, if this ispossible. Please let me know what you think...
Will filing unemployment affect my credit report?
ps - I really like your website - keep up the good work



"majors@oskie.com" / to Will filing unemplayment affect my credit scrore / show details / Jul 5
Employment does not affect credit scores.
Employment does affect credit decisions if some one applies for credit several times and each time the job shows up different.Potential creditors might say: Hey this is a job hopping, credit applying, unstable person.
800?Thats a super score, don't worry, be happy, hope your job search works out.

Will not be able to make minimum payment on my credit cards for 2 months. What should I do?

Due to time off of work, in July I am not going to be able to make the minimum payment on my credit cards. I will be able to catch everything up in August or even possibly the end of July. I will only be able to make less than the min. payment but I will pay something. Is some payment better than NO payment? As far as my credit score. Also, I have two horrible credit card (interest rates, annual fees, etc.). I want to pay them off and get rid of them. What is the best way to go about this.
-----------------------
"majors@oskie.com" / to Can not make minimum payments on credit card / Jul 3
Call the credit card comanies involved and make a deal with them. Many times they will work with you if you call ahead.
Pay them off if they are at least 12 months old, or keep them until they are, and make sure you have at least 3 open lines of credit.

Lost job and had a divorce. I have bad credit on my report.

Hello, I am calling for your advice. I have (2) charge offs on my credit report. Both are Capital One. And they have been there for about 2 years. Went through a divorce and havent' had a full time job since, therefore have not been able to pay on them.
Please help!
Thanks,
----------------
majors@oskie.com / to Lynn / show details / Jul 3
I guess I should address that on my website
If you don't have a job you can forget about good credit.

How can I remove 20 inquiries from a car dealership?

how can i remove 20-inquires from a dealer ship..i didnt even end up purchasing a car from..i recievd a copy of my credit report..i cancelled the request that night ..that i didnt want to take the vechicle..and called to return my deposit....it took them over 2 months to return the deposit...I'M just upset..that there are 20--inquires for an auto loan..HOW CAN i GET THEM REMOVE?

thanks
-----------------------
Once you sign up to get approved for a car loan dealships work to get it done and must not have been able to in your case. Prbably prior bad credit or too much debt.
Nothing can be done other than disputing the inquiries and I doubt that will help.
Your problems lie in other areas and these should be looked at more attentively I feel certain.

Charged up and off several credit cards. I paid them off now how do I get them off my report?

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,
---------------------------
First get your free credit reports and see what is wrong.

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

Credit cards charged off. I paid them and they are still on my report.

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...
-------------------------------
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

Will filing unemployment hurt my credit?

I was recently let go at my work and was thinking of filing for unemployment for a month or so... will thatmess up my credit score down the road? Thank you,
-----------------------------
majors@oskie.com / to Will Filing unemployment mess up my credit / show details / Jun 30
That will not show up on your credit report at all unless you applied for credit and listed unemployment as your basis for montly income. And in that event the listing only shows as a job listing not credit.
So
No

Two Judgements on my report are more than 10 years old.

I have two judgements on my credit report that are actually over 10 years old. one is to helig-meyers.when i tried to pay them years ago they said they could except no money, they were headed for bankruptcy. my husband also has an illinois state tax lein on his report that is over 10 years old. are there statutes of limitations for state taxes and bankrupt companies. also , isn't there a written law that keeps people from putting all these old debts on our credit reports. we make almost $100,000.00 per year and cannot get loans with anyone but high interest lenders. sincerely
Fix My Credit report. Judgement are errors and too old
----------------------------------
"majors@oskie.com" / to no

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

http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
this one should get old stuff anf rouge stuff off

BUT

sounds to me like you do not have 3 lines of currently open GOOD credit.
If your last two years showed good open credit you could get what you want.

So my experience tells me you problem lies a little deeped than the question above.

My debt was sold to another collection agency.

My debt was sold to another collection agency and they sold it to another collection agency and now they do not know who they have sold this debt to because they did not document who they sold the debt to. How can I get rid of this debt off my credit report?
Thank you in advance
Debt sold to another collection agency
----------------------
"majors@oskie.com" / to Debt Sold / show details / Jun 27
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
Use this letter
-----------------------
Debt sold to another collection agency / to me / show details / Jun 28
Thank you so Very MUCH! Your site is great it helps the common person.

I am in desperate need of credit advice! I opened a Mervyns Account in 2003 and forgot to change my address. In April of 2006 I was contacted by adebt collection agency who said I owed $215.56 to Mervyns, which was 3 years past due. The agency said that I could clear this debt and settle for 75% of the $215.56, which amounted to $167.67. I did so. Since April of 2006 I have been notified by 2 different debt collection agencies, stating that I owe $53.00. I pulled my credit report recently and it shows that I have 2 delinquent accounts with the EXACT same account number. One delinquent account is with Mervyns and one is with LVNV funding, which says I have a "credit limit" of$53.00. However, when I sent in the settlement letter that I received from the debt collection agency I settled with, the new colletion agencies say that the account number on my Mervyns account DOES NOT match the account number on my settlement letter. I don't know what to do because I am POSITIVE that this is my only delinquent debt, andthat I settled it in 2006. I kindly ask for your advice because I feel helpless and I am exhausted from getting the run-around from these people. Please find attached the letter that I sent to the disputedepartment of both creditors on my delinquent accounts.
Collection Trouble
---------------------------
"majors@oskie.com" / to Collection Trouble / show details / Jun 27

Use this debt validation letter
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
That should settle it all.

Filed chapter 7 7 years ago. Will my credit score increase when it come off my report?

I filed a chaper 7 in early 1998. When it is deleted next year Im hoping my credit score will increase. I haven't been able to find any info on how much it will impact my credit score. Do you have a rough idea how many points a persons score usually goes up when a Chapter 7 comes off their file??

Thank you
Will my score increase when my chapter 7 comes off my report?
-------------------------
"majors@oskie.com" / to Chapter 7 Will my score go up? / Jun 25
It should have almost no impact
IF
you are already "Working the Credit Help Program"
you have 3 open and rated lines of credit.
All of which should have more than 2 years on the books by now.

It will have very little impact if any
2 years back from today is 80% of your credit score.

You might get 10-25 points.

I am having some difficulty submitting two disputes with Experian as I have already disputed these items w/ them in the past. When I attempt to submit another dispute the website prevents me from doing so saying the items have already been verified. How do I proceed w/ another dispute? One of the items was removed several years ago and has since reappeared. Thanks again.
-------------------------
majors@oskie.com /to / show details / Jun 24
Use the free dispute form on my site not the website.
I will say that they frown on continued disputes of the same order.

Send in documents to support your cause and /or call the company reporting it and negotiate.
Sounds to me like the company is not supporting your cause and re submitting your bad credit.

I am working on cleaning my credit and my credit report. I have signed up for TU truecredit and check my scores daily as well as checking my accounts.
They sure don't make things easy for you but... my question is this.

I got my score from Experian today at the same time I got my score for Experian from TrueCredit. They were not even close.

Equifax directly said my score was 582 and TrueCredit said my score was 601 for Equifax. Why the discrepency? How do you ever know what scores are correct or when they were last updated if there is such a distinct difference between the two?

Is there an easy way to get the report a mortgage lender would see or can you only obtain one through a mortgage company?

I would like to get my score up high enough to qualify for a decent mortgage this time next year. Almost all my old accounts have been paid or deleted and I've had one late payment out of 15 accounts in the last two years. My biggest drawback as far as I know now is percentage of available credit and no mortgage or "other" revolving accounts other then credit cards.

Thank you in advance for your answer.
------------------------------------------
majors@oskie.com / to need credit fix / show details / Jun 22

20 points might be explained if there was a time difference in the pulling of the different reports.
If not maybe one reports lists something theother doesnt by accident
BUT
The score should be the same even though I would call 19 points as being almost of no meaning.
The score you want is 640+ to qualify for decent rates and 720+ for perfect rates.

Dispute stuff.Keep stuff open and good.Negotiate stuff.
In less than 2 years your score will be 720's

I have a collection agency that has listed a balance of 2190.00 for a car they say I purchased in 1999. They have my maiden name of when I was married and the balance was 771.00 but with interest each day it continues to go up. I call the collection agency and asked who the original car dealership is because I have never owned a Toyota and they stated they didn’t have it because they bought it from another collection agency. I ask is they could mail me a copy of the signed contract and they told me to call back in a week they would try to find paper work. They stated they mailed correspondence to my parent’s home address which I have not lived at since I was 19 years old over 21 years ago. My report states it will be on there until 10/07. with me pursuing this can they extend another 7 years of this on my credit? I am currently trying to refinance my house and can’t because my credit scores are below 500 and I am looking at paying an increase of almost $400.00 due to my adjustable rate kicking in starting 9/1/07. Should I use the dispute letter to the credit bureaus first or should I send the letter you have posted for collection agencies to try and get them to remove this off my credit?

Despirately needing help
--------------------------
"majors@oskie.com" / collection agency will not remove mistake and kep piling on fees / 8:03
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
read this
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
mail this letter to them
have it notorized and send delivery confirmation
that should shake the coconuts out of the trees

Consolidated student loan three times and 2 still show bad on my report.

"Consolidated student loan three times and 2 still show bad on my report."
I have consolidated my student loan three times. According to my credit report it seems that I have 2 loans that were in bad standing and one that is current. Even though I defaulted on the two previous loans, they were taken over by the William T Ford federal program. I have been current with this current loan for over a year. Why are the two older loans still listed as negative information when they have been paid off?
----------------------------------
Bo / Consolidated student loan three times and 2 still show bad on my report/
I can dispute them as paid since they are paid now.
Once I make bad payments it stays on my credit for seven years unless I negotiate before I pay them off
Sorry.

Will my bad account be removed from my credit report when I file Chapter 7

Hi Bo, I’ve had a Chapter 7 discharge since Jan. 07, that included a foreclosure. The 1st , 2nd , and one credit card are still reporting me 120 days past due. Are these creditors required to remove their info from my report, or do I need to send dispute forms? Thanks for your help, BJ
Reply
---------------------
"majors@oskie.com" / to Will my bad account be removed from my credit report when I file Chapter 7? / show details / Jun 22
No creditors are not required to remove bad credit marks from my credit report when I file and discharge a chapter 7.
In fact all bad payments will show for seven years.
The worst effect is for the first 2 years after the bad credit's "date of last activity".
So it is very important to get and keep new good rated credit.

Car repo removed from my credit report be creditor

A Car Repo is about 7 years old but was paid off in 2005. My credit score is 658 and I want to raise it so that I can qualify for a better mortgage payment on a new home loan in about 30 days I contacted the original creditor who said they would remove it and also send out a letter confirming that removal from the credit report. However that was told to me 2 years ago when the accout was paid and it still is not remove. What can I do to have this removed so that my credit score can raise. Also it is making my debt to income ratio look rather shaky because it shows that I have two auto loans for more than I can pay. I have a good rate but would like to qualify for a lower mortgage payment. Please help. Life is choice driven, we live or die by the choices we make. I Choose to Live!
------------------------
"majors@oskie.com" / to Car Repo get quailfied better rate / show details / Jun 21
Do the deal with the original creditor
It might make you go up to 700's i dont know
but
658 should get a decent rate. your not gonna get ripped off at that score I dont think

Need some good credit. Got turned down for a credit card

I need your help. I recently applied for a store credit card (Brandsmart) and they denied for the following problems:
-age of oldest account( I dont know what that is)
-delinquency, adverse pulic record or collection ( I have never been send to collection, I dont know what the other two things means)
- no open bankcard accounts reported (I do have 3, 1 under my name and the other 2 under my name and my husbands, what can i do so that the bank report the bank cards?)
-two few accounts currently paid as agreed (what does that means)

I NEED YOU TO EXPLAIN ME HOW CAN I FIX MY CREDIT AND WHAT DOES THE 4 FACTORS LISTED MEANS, PLEASE!! I DONT KNOW WHAT MY CURRENTLY CREDIT SCORE IS BUT SOME MONTHS AGO I HAD IT ON ITS 500'S

THANK U,
------------------
majors@oskie.com / to Need good credit / have no credit /
You have no credit record
You need three open and rated lines of credit.
You also need a copy of your report. Need to know about adverse
If you do not have a credit report get one online here
https://www.credit.com/r/truelink_fit/af=p39646&ag
or use this form to get your reports if you have no credit card.
http://www.oskie.com/free-letter/get-free-credit-report-letter.htm
I would try this if I was turned down
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
It will take one year for your score to show up.
Of course sign up for new credit here.
http://www.credit.com/r/problem_credit/af=p39646&ag=

When I got my divorce, I agreed to sign over the house to my ex-husband and he agreed to re-finance and get my name off the loan. He also agreed to have my name taken off all the credit cards he opened without my knowledge and listed me as the second party on. A year later he has done none of those things.
I have contacted an attorney who says it could take up to two years to take him to court and hold him in contempt, for whatever good that would do.
I have also been told that I can attach a letter to my credit reports to show that I am no longer responsible for those debts and attach a copy of my divorce decree.
My question is, what is the simplest and most straight-forward way of doing that? And most effective, as I am now thinking of moving back to the States and buying property and afraid that these things will have a negative affect on that process?

Thank you for your help.
Sincerely,
Divorce decree and joint accounts
--------------------
"majors@oskie.com" / to Vanessa / show details / Jun 8
100 words or less letter with divorce decree date, case number and state.
use my dispute form for addresses.
Your situation is normal for divorces.
Sorry

Checked my credit report. Have lote of bad credit

I've checked my credit report, and have a score of 556, with LOTS of negative items on my reports. I've been paying, or settling a lot of them in full over the past two months, and have just now started realizing that settled in full, according to your site, is often times viewed just as negatively as charged-off in the eyes of many new creditors.What can I do?Also, How do i get the Credit bureaus to update my credit reports, based on the payments I've made, the accounts I've paid off, or settled, and so on?Any help/advice would be greatly appreciated.
Update My credit with my payments
-------------------
"majors@oskie.com" / to update my credit report / show details / Jun 6
The creditors have to update the accounts.
Or you can have it done by disputing the amounts

I tried contacting the collection agency to remove the negative collection once i paid in full and they said this was illegal, but they could send a letter that says paid in full...Is it illegal for a collection agency to remove a collection with a letter to the credit bereaus?
I also tried to contact the original creditor (CentraCare) who said they have nothing to do with it since it has been turned over to a acollection agency, but yet they will still accept payments on the account...It does not make alot of sense to me. CentraCare said any negioation has to be done with the collection agency, but it seems like every one i speak with at the collection agency says they don't delete collections!!! Please help...This collection is $117.00 and has been on there since 12/06...

Thanks,
Get Collection off report
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"majors@oskie.com" / to Get collection off report / Jun 6

In the beginning you could have possibly negotiated with CentraCare and had the collection removed or the collection company and had the account removed.
Yes it is considered against credit bureau terms for a reporting agent to

He moved to the USA a few years ago, and even though he was American his english was not so great. He went to a gym and convinced him to sign a contract, but told him that it was just paperwork and he could quit at anytime. Well he stopped going and now he owes them the rest of the money for the 3 year contract that they tricked him into signing. Now his credit is messed up and he needs to fix it. Can you please help or make a suggestion?

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"majors@oskie.com" / to Gym Contract Charge Off / show details / May 21
Same thing happened to me.
One has to fullfill the contract. Contact creditor and negotiate payments and pay in full if they agree to remove the bad marks.

Utility Bill Charge Off

I recently discovered that my major utility co. has reported me to the 3 credit agencies as a “charge off” for app. $300.00 I owed. This has been a bill that I’ve owed for quite some time, and I’ve paid on it off and on, depending on my work situation. The last 4 months in a row, I have not missed making a $20.00 pmt to them, and yet I see that I was reported as a charge off. Now, can this still be done, when I’m making effort to pay, on a schedule, etc. Thanks for your reply. Live Human Being
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"majors@oskie.com" / to Live Human / show details / May 20
Once a charge off always a charge off
But you might be able to dispute the item as making payments and hope that helps.
use the dispute form on my website

Dispute Captial One mistakes on my credit report

I am writing to ask a question about a letter I sent directly to Capitol One about 2 debts that show on my credit report. (I have attached that letter)
I have only had one credit card with them and not sure which account number it was so I disputed both entries. I think the statute of limitations is up on them, but not completely sure. The letter was mailed certified on March 26, 2007 and it was deliverd on MArch 28. To date I have not heard a word from them, despite the fact I included my address and asked for a response within 30 days. I had also disputed this with Experian and the very next day they said they verified the information and no change would be made, but they have failed to explain how they verified the information or the accuracy of the verification. If Experian verified it so easily then why has Capitol One not responded?
I am not sure what my next step should be. I have been cleaning up my credit for the past few months and the paid items still look like negative entries.
It just seems to me that if you try and make right on the negative it still remains for 7 years as a negative. May as well not pay it and wait for it to expire.
I will be glad to scan a copy of my report for your review so I can get the most accurate advice.

Thank You,
Live Human
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majors@oskie.com / to Live Human / show details / May 17
You should have a name phone number or address to contact the verified account with the origianl creditor. Use those to contact that creditor to get a paid in full or out of date.
Just mail letter again using the same method.
The zero balance does hel even though the account shows late payments. So paying always helps your score in the long run

I have applied for credit with a bank & have been turned down due to a couple of things listed on my report. They are medical expenses that were unfortunately turned over for collection while I waited for insurance to pay the potion they owed. The balance owed by me was paid shortly after. How do I go about getting this off my credit report ? Please respond to
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If the accounts show up as unpaid, dispute them as paid in full.
Use the dispute form on my website.

Is a collection agency allowed to access my credit report?

Is a private loan collection agency permitted to access my credit report without permission? What are the rules?
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"majors@oskie.com" / to rick / show details / May 17
No they are not.
Unless you are intending to borrow money they can not do that legally.
I would ask for total removal of any bad marks or face problems from the ftc on the fair credit reporting act.

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.
-----------------------------------
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.
------------------------------
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
----------------------------
"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.
--------------------

"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.
------------------------------
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.
------------------------------
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
-----------------------------------
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
-----------------------
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
-----------------------
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
---------------------
"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
--------------
"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
-------------------
"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.