Validate dispute and raise my credit score

I am writing to you again. Still trying and persevering to improve credit score. I went from 452 to 471 in one week, and then Capital One account from 1999 and one from 2000 hit me with a report to credit bureau. So I called the credit bureau and they told me 7 to 10 years it can stay on there. So then I called Cap One and she took my social and said she had nothing come up when she punched in my number. What do you think I should do?? Should I send off that letter of validation? It was like I got punched when I saw my score drop after I watched it go up a little bit. The Cap One accounts are charge offs, derogatory, closed accounts that won't go away. They had limits of 200 and 500 and now have balances of 1440 and 2200......Please help
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i would dispute the accounts first through the three credit bureaus as not yours or an error
then maybe do the validate thing if cap one can't find the account under your social
a dispute should garner the same results I would think or assume.
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Thanks Bo!!! I already have ongoing dispute going, so I guess when that one concludes, I will dispute the two Cao One accounts and send validate letter after that dispute is over. I'm not giving up!!!
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How ya doin? Just wanted to ask question - I put in dispute for the two Capital One cards and now I got a credit alert on my credit report saying that Cap One has changed date from N/A to N/A. Do you know what that means? Thanks
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that means they should take that dang thing off
combat this with validation
then valdiate follow up
then call state attorney general
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Well, I disputed with credit bureau and it comes back as REMAINS. Verified to be accurate. Yet when I call them, no record. So now I will send the letter.....Will keep you posted
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vaidate and take them to court
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Just wanted to let you know I am up 100 points since I started a month ago. I had the Cap One accounts removed from Trans Union, and I am disputing the age with the other two bureaus. If one credit bureau takes them off, do you think the others will follow? Thanks for all your help.
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they should
way to go
thanks for telling me

Fraud on my credit report

I see something on my credit report called Applied Bank.. I never had an applied bank card. Balance shows $583.00 opened in 8/01/2001How do I go about this?
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dispute that
NOT YOURS
FRAUD SUPECTED
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Get a free credit report ---Credit Cards ---Personal Loans ---Get legal credit repair---Debt Consultaion ---LifeLock ---

Hey Bo I need some help here

Hey Bo! Hello my name is West and right now my credit score is 548 (I know it sucks) but what I wanted to ask you was can I remove old student
loans that went into default and closed but then i paid them
(they show as paid but i know they still are negatively effecting my score) and some old closed chargeoffs? Plus does piggybacking still work
(even a little)? I'm going back into the military, the army and my new job in there will require a top secret security clearence wich means they will check my credit so i'm trying to get things off and the score up as much and as fast as possible. I figure I have 2 to 4 months. I know I should have done this along time ago.
P.S. What is the average jump in score I can expect by removing a few of these items? P.S.S. I am a credit report dummy! I never even looked at my report till here recently and I mean ever!
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you can try
it may or may not workdispute them as not yours piggy
backing no longer works i think
new law the thing to do is get new good credit going
if you have no good credit then all anyone sees is the old bad credit
if you do have new good credit the old bad credit looks much less bad and your score jumps
-------------------------Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card. these folks apporve anyone------------------------
I must have at least 3 reported credit lines that are current the past two years) and rated (open at least 12 months).
This is the very best way to raise a credit score 50 -250 points over no more than a 2 year period and sometimes in as little as 6 months.
Pay any credit lines down to less than 80% debt to maximum high credit limit. If I bought a car or home in the past year or so, my score will be lower because I owe the total I could borrow. One could borrow the total amount and pay the down payment after the loan originates to pre-empt lower scores with car loans.
Negotiate collections, late payments and charge offs with the original creditor. Do not pay before you get a company letter head signed agreement for future disputes.
Validate any duplicate collections. Collection dates cannot overlap the original creditor dates. Most collections pay 20 on the dollar so negotiate lower payouts. File Complaints with the FTC if a collection agency fails legally verify they own my debt. Raise score 50 - 100 points.
Dispute errors here. Use certified priority mail.
Have all 3 totally free credit reports and scores. Quickly decide what bad credit I might have the best chance to raise my credit score fast. Monitor progress.
Pay off all legally verified debts and ask for total removal or paid in full as agreed when I agree to make payments or settlements. Raise score 10-80 points fast. Get sign agreement on company letterhead before you pay.
Eliminate local finance company loans.
Local finance company loans look bad and often times show up in duplicates from refinancing. Raise my credit score 10-30 points free.
Re open any closed credit cards that are reporting past bad credit and pay perfect for 1 - 2 years. Then ask the creditor to report only the past 24 months activity because revolving credit is rated only 24 months anyway. Raise score 100 points.
If I cannot find past bad creditors, then I dispute the credit as not mine.

Credit Help with court summons and dispute reply

Thank you for your example letters. I sent a validation letter to a creditor and I certifierd w/signature and it has been more then 30 days.I also disputed with the credit bureau all 3.
what would be m next step should i contact or send copys for certify to credit bureaus? Also one of the creditor sent me a summons letter right after they got my certify letter from me.
What does that mean? Please help me ....
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anything not replied back from the collections or creditors within 30 days should be disputed with the 3 bureaus as not your account summons means they would like to take you to court.
If they cannot provide the information you requested. they may be bluffing.
I would call or go by the court and see what if anything the summons means to the court on the papers
and
what evidence they may have. if they do have decent evidence. You might need to consider paying them or arrianging settlment before it gets to court and a judgment is rendered against you.
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Dispute through the bureaus …
Reporting has been ruled to be a "collection activity" …
although it wasn't specifically stated verifying that a debt is owed would also be a prohibited collection activity prior to providing validation if requested.

What is a totally free credit report and what about my credit score

hi bo, i am a senior citizen and desparately need to know how to get my credit reports asap. i am not computer savvy and have also been told not to use the internet to obtain these from the 3 agencies. there are some errors reported by 2 banks which have seriously altered my fico. don't even know how i stumbled across your website . was using another computer,and now that i have returned home, decided to try to e-mail you for info. i need to correct this immediately. have tried phone but can't get a live human. HELP! thanks
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you can mail this free credit report form next day air
but to get your score you really need to use the computer and a credit card with visa, master card, discover or american express as the issuer using your credit card ensures you have some safety really
the card issuer assume some responsibilty as far as fraud and theft. AND you really need all three scores at each bureau I would assumethe scores is where the free stuff gets quirky.
there are really NO free scores. UNLESS you get monitoring with a company that sells monitoring and, the scores come with the report you get for free, with the monitoring.many of these companies make it more enticing by saying free if you cancel in so many days and they hide the so many days as far down as they can. this is what i do.i get the 3 reports and 3 scores online and cancel right then.
while i am still thinking about it and in the same place. NOW if you want to dispute some errors.
you can and should do that with this form, right now, by certified delivery mail.
use the addresses on the page you print for transunion, experian, equifax.

Credit help with debt paid letter

Once I have received a letter from the creditor stating the dept was paid and requesting removal, what do I do with it? The creditor was not a collection agency.
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copy it
then certify mailto the 3 bureaus
use this dispute form and instructions and addresses
then check you credit report for a credit score increase

Help with credit report and date of delquency

found your website and have used alot of the information on it to fight some of my mis information on the credit report. However, I am having problems with enforceing the "accuracy" issue with transunion. I have an account with them that went to collections on 4/2004. Well they are reporting to the credit bureaus the date of first delinquency of 4/2004 but anyone can use their brain to know this is not the first date of delinquency as defined by the FTC. The first missed payment (not with the collections company) was prior to 4/2004 and the transunion rep keeps replying that they spoke directly with the collections department and they verified verbally the information is accurate, but still after four letter requesting proof - no change on date. The reps even agree that an account must have some prior delinqency other than the date that it was transferred into collections. If you have any tricks please help.
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you need legal help from smurf
go to credit repair at yahoo groups http://finance.groups.yahoo.com/group/credit-repair/post this msg
ask for smurfmight take a day or two but that is a FCRA violation. totally and you can have their tails.
if your talking about the first creditor not the collections
the collection date will be different than the first creditor the first creditor and the collection cannot have the same date or overlaping dates and still be legal. did you use the legal debt validation forms
these forms can form a legal trail needed for court.
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Thanks - Could you look at this and confirm it please. According to FTC Link http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.shtm under delinquencies Just run down to the highlighted spot from the exerpt below. I believe that is the situtation I find myself in. The FTC indicates that the collection company still has to use the original date of delinquency or the date of the first missed scheduled payment. Thanks
6. Reporting Delinquencies -- Section 623(a)(5). If you report information about a delinquent account that's placed for collection, charged to profit or loss, or subject to any similar action, you must, within 90 days after you report the information, notify the CRA of the month and the year of the commencement of the delinquency that immediately preceded your action. This will ensure that CRAs use the correct date when computing how long derogatory information can be kept in a consumer's file. How do you report accounts that you have charged off or placed for collection? For example: A consumer becomes delinquent on March 15, 1998. The creditor places the account for collection on October 1, 1998. In this case, the delinquency began on March 15, 1998. The date that the creditor places the account for collection has no significance for calculating how long the account can stay on the consumer's credit report. In this case, the date that must be reported to CRAs within 90 days after you first report the collection action is "March 1998." A consumer falls behind on monthly payments in January 1998, brings the account current in June 1998, pays on time and in full every month through October 1998, and thereafter makes no payments. The creditor charges off the account in December 1999. In this case, the most recent delinquency began when the consumer failed to make the payment due in November 1998. The earlier delinquency is irrelevant. The creditor must report the November 1998 date within 90 days of reporting the charge-off.
For example, if the creditor charges off the account in December 1999, and reports this charge-off on December 31, 1999, the creditor must provide the month and year of the delinquency (i.e., "November 1998") within 90 days of December 31, 1999. A consumer's account becomes delinquent on December 15, 1997. The account is first placed for collection on April 1, 1998. Collection is not successful. The merchant places the account with a second collection agency on June 1, 2003.
The date of the delinquency for reporting purposes is "December 1997." Repeatedly placing an account for collection does not change the date that the delinquency began. A consumer's credit account becomes delinquent on April 15, 1998. The consumer makes partial payments for the next five months but never brings the account current.
The merchant places the account for collection in May of 1999. Since the account was never brought current during the period that partial payments were made, the delinquency that immediately preceded the collection commenced in April 1998 when the consumer first became delinquent.
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thats the legal stuff i am not too good with
but yesthis is the crap that collections slam us with i never see this done like it says on the fcra says on this
so that said i think you have something if you can form a paper trail
copy your reports as they are nowvalidate dispute then sue

Questions about pay for deletion

I just had a question about the pay for deletion. All of these accounts are in collections already and have been for I think less than two years. I have a Dillard's account that was opened in 2006. I owe $708.32. The company that has it now is Allied Interstate or LVNV Funding LLC who may have given AlliedInterstate authoriziation to have it placed in their agency. And by the way, do you know anything about AlliedInterstate at all? I have a Cell phone bill account in collections with the name of West Asset Management. I owe 719.61 And then another account with bank of america in United Recovery Systems for 1374.15 I also have a hospital bill of 3882.91 of Credit World Services Inc. but I am wanting to pay the other accounts of first. Also are you familar with any of these companies? I just wanted to know the steps in paying these off and having them deleted off my credit report. Some say you should validate first, but who are you validating to? And also could I settle on making payment arrangements with the collection agency for lets say 3 payments in no less than 90 days or would it be better to negotiate for the balance in full for deletion. Do you think they would work with me on making payments for deletion of just for the balance in full? Also for the letter, what do you put in such a letter? When they send you the agreed to deletion letter, do you send that to the credit bureau agencies to take it off your credit report?
I know this is such a long email but I wanted to give you a little bit of a background.
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not familiar with any of those companies at all
i would call the original creditors FIRST then then collection agencies tell them you are willing to pay with some credit help.
if they will let some of the collections or past late payments goyou will pay in full including feesbut at the very least the collections have to come of my report.
see what happenes read this
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

Fax number to all three credit bureaus

Can someone please assist me. I am looking for the fax telephone numbers for all 3 credit bureaus. Any assistance is greatly appreciated.
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do not use the fax
use certified delivery mail only i used to keep fax numbers up
but they kept changing them.and all you know is you have faxed something to some number
you do not know that someone for sue got it
or that it ws the right number. it is not worth the trouble

need credit help

i have moved from a rental property because the house was a mess,
sewage( raw ) sewage was actually floating in the driveway
pips bursted in the basement destroying things i cannot replace due to water damage
i have counter sued these people and a court date was set for july they did not show up another datte was schuled and it has not arrived yet in the meanwhile,
they put eviction on my credit report which is just not so!!! all the rent was paid and in fact they owe me money how can they do this????
im very upset as i;m trying to buy a trailor is there any help you can render
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usually if they do not show upa verdict is rendered in your favour
isn't it.
must be a big rental agency to be reporting.
or did they do something in court or at the county courthouse about eviction? The best thing I know to do is to go to the court house if so. if they just reported something that is not true
they could be in violation of the FCRA as far as proper collection procedures.one is not allowed to improperly report as a part of a collections process
I would validate and dispute the debt in writing if so.
that way you can have some paper trail for your court case. as far as getting a trailer is concerned.
right now you will have to find someone who does not check your credit i guess.
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i dont know how it got there but the real estate agency has denied doing this but its too late now anyway they wont let me in the park at this point
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use this dispute form
and dispute the account with all three bureaus
it should come right off if they deny putting the account on your report.
might take 20 - 35 days but when it does you should get right in if it falls right off.
some piece of the puzzle is misssing

debt managment services

About a year and a half ago, Sean, my friend, signed up with a credit counseling program to help manage his overwhelming debt. From my experience with these programs, since I, myself, participated in one to pay of my debt, is that they make great efforts to lower interest rates and eliminate fees. At least mine did.
I used Cambridge Credit, and I know they’ve had legal issues, but they worked great for me. He uses Freedom Debt Management, and it appears as though they have not done anything to lower his APRs. It also seems odd to me that they don’t send him a monthly statement showing the breakdown of where his money is going. And, their website is less than helpful. Almost all communications with them is through email. The good thing is, payments are, in fact, being made to his credit cards, with a monthly fee of $30.
I was wondering, If he cancelled his service with FDM, how does this affect his credit? I believe that he could negotiate better rates himself, and that extra $30/mo could help pay down a card a bit faster. Is it wise to cancel and do it yourself? Or will he see a spike in his already high interest rates? If he did cancel the debt management program, would he be able to remove that mark from his credit report?
My other question relates to authorized users on credit cards. Sean is currently going through a divorce, so the marital debt will be assigned accordingly, but, He is an “authorized user” on many of the credit cards, including some within the program above. It is my understanding that you can add anyone as an authorized user to a card, and they don’t sign an agreement to the terms of the card. If this is the case, can he be held liable for the charges? Is it appropriate if he writes to each card to have his user status removed? And with a balance on the cards, is it likely they will remove him? It just seems to me like a credit card shouldn’t be able to report late payments on a credit report for an “authorized user” who never even agreed to the terms.
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i am not familiar with debt managment programs and rules of such
sounds to me like you can do a great job for this person. i would try all of the things you said and see what happens it cannot hurt.
none of them can hurt
so try and see what happens authorized users
should be able to unauthorize anyime you wish i would think
and piggybacking is now supposed to be done. no longer available. usually used to help credit. should be able to cancel if yo wish
appropriate? sure thats appropriate

I have bad credit. And I am trying to fix it.
Bad thing is that I already made pymt arrangements for my Target, Household (which was sold), and my Capital One Card which will all be paid in Jan.
and show PAID IN FULL.. I didn't negotiate. I didn't even know how. So once I am done with paying those off how do I go about getting them to show Pays as agreed on my credit report and taking all the bad off? I know I will have to request a new card, so I guess I am trying to figure out how do I go about getting them to show pays as agreed and taking all the bad off my credit report? Please help me..
I am a single mother of 3 and I am trying to clear my credit report. I do have JC PENNY AND SAMUELS that I also need to pay but haven't contacted them just yet. I am taking care of these 3 first. Target will actually be paid off on Aug 8th and then they will send me a Release Letter, when I recieve that should I fax it to the 3 credit bureaus?
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they should all report to the bureaus that your debt is paid
or it is a violation of the FCRA but you might need to ask or make sure they do that
zero balance owedthe past bad and late marks will not be removed unless you pre negotiated. UNLESS you re open the same accounts with a down or pre payment
and pay good for 12 to 24 months
then ask them to only report the past 24 months activity.
sometimes this can be done sometimes not. if you wish to make sure stuff shows paid without calling
just dispute the accounts with the free dispute form on my website
say paid in full and as agreed.... you might get lucky and get thatmore than likely they will return reciept showing paid off zero balance fax nothing
certified delivery mailyou can mail the release letters.
make sure you include copies of your drivers license and electric bill
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On the Form it shows Account paid in full is that what I check?
Do I have to do anything with this part of the Form

And I live with my Mom so I don't have an electric bill.
What about an account statement?
Who do I send this Form to? Sorry I am new at this.

Also, If I do this

Overlap past bad credit with present good credit. Do like I did. Mail BP OIL $200 and ask to open an account so you can establish credit, then charge your gas. YOU HAVE TO BUY GAS. Pay some extra each month. Use this letter. What if they cash the money order and I don't recieve a card? How will I get my money back?
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I would check account paid paid in full and check account never late and status incorrect
you have included only the collections section.
are you saying you are dealing with collectors and not target and the other primary or first lenders
if so let me know

send in a copy of your social security card with your license

the addresses are on the second page of form
transunion, experian, equifax
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call them before you send in the application
tell them what you are doing

this is a great card
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card.
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Dealing with the collections people..
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well you sould call the original creditors too
tell them what you want to do
fix your bad credit with new good credit
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I was thinking of just calling lexington..Is that good?
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http://www.oskie.com/remove-collections-judgments-from-credit-report.htm
http://www.oskie.com/credit-cards/bad-credit-no-credit-secured-cards.htm
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3-in-1 Credit Report

My fiancee and I recently pulled up his 3-in-1 credit report and noticed discrepancies on all bureau but mostly on the Experian Credit Bureau. We called all agencies listed on the report and they verified that although it was the same name the accounts had different social numbers and mailing addresses. When I spoke to a representative of one of the listed agencies, he stated that Experian goes first by name, then address and then social security number. Is that true? If so, how is that fair to the millions of people that share the same name? Also I read on your blog that you should write about 4 accts at a time, well we are dealing with about 11!!!! 11 mistakes from Experian, all already confirmed by the collection agencies, which also stated it wasn't rare of Experian to mix identities up. Also when you state on your blog to send a copy of the credit report, is it the whole 12 pages or just the part in concern (may sound like a silly question but want to do this right), and the credit report shows each item with each credit bureau right next to each other. If I send a dispute item to Experian, should I covered the report from TransUnion and Equifax about such item, or doesn't really matter? Thank you so much!!!!!
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is there anyone that I should write to regarding Experian.
I mean, I have 2 other people's security numbers, their address, phone, work place, spouse name, etc.
That makes me believe that my fiancee's info is in other people's report as well and may be use wrongly as well. Those are very delicate mistakes and unfair to those who have decent credit and are getting such credit denied. Is there such a thing as a company we could write to about Experian and complaint about their services.
I mean are the credit bureaus GOD? Is this the end of the road...writting them letter and hopefully updating our information at their convenient time, or can we write to CRA?
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you can complain to your state consumer affairs division, attorney general, bbb, chamber of commerce and even file small claims in the proper area for such claims.
Plus you can dispute and validate to lay documanted groundwork for your claims.
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Sorry got a little lost on the "plus you can dispute and validate to lay documented groundwork for your claims", can you ellaborate a little more for me?
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you should dispute with the bureaus and the collections agencies
you should validate the debt with the collection agencies and follow up if they do not fully comply
if they miss represent themselves you can complain to the state attorney or consumer affairs, bbb, chamber, or file siut in small claims or more.

Credit Questions

On your website, you said to dispute old, incorrect, or unfamiliar items on the credit report.
What do you mean by old?
Why can I dispute it because it is old?
Any extra help?
I made some stupid decisions back in high school and I AM HAVING TO CLEAN UP MY ACT NOW. Is there any law that can help me out when I created debt before I was 18? Sucks but what can you do?
---------------------------------
anything older than 2 years
says 'not mine" and pray. you might get lucky
if they come back trueuse the addresses to validate anything that is a collection or charge off
and yes
i would try anything that was set up when you were 17 as most companies do not do this
although I did get my 17 year old cosigned on a car note for future credit
dispute those as not mine, i was only 17 and pray.
http://www.oskie.com/credit-dispute.htm
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
http://www.oskie.com/free-letter/debt-validation-follow-up-letter-rights-by-law.htm
http://www.oskie.com/free-letter/negotiate-bad-credit-repair-sample-form-letter.htm

Simple credit question

In a phone conversation with Bank of America I was shocked to learn that some collection agency has me owing someone $365.00 from 2005 that has not been paid. Otherwise I am blemish free, but this black mark has by credit score at 676. I know my score was 720 in Jan 08.I feel sure this is the work of my ex-wife. How do I pay the bill & get rid of black mark?
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dispute it as not yours
if they find it
legally validate the debt
if they can do that
negotiate to pay if they will remove it
you need to know if thery have your signature and legal chain of ownership

Adding alternative tradeline to credit report

Good afternoon, Bo. How do I get alternative tradelines such as a water bill to report on my credit report? Do I need to contact the water company and ask them to do it? How much does it cost them to report it regularly?
---------------------------------
utilities are not considered credit
phone, water, electric, insurance. They do not report unless you do not pay.
sometimes one can get rent reported with a direct credit reference
http://www.oskie.com/free-letter/direct-credit-reference-sample-form-letter.htm
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Wouldnt the rent have to be from a "management company"?
If an "individual" or "management company" reports it do they have to pay the bureaus to report it regularly like any other tradeline?
What about "rent to own" companies?
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rent is direct credit reference only
most bureaus do not count rent into fico scores
so no
rent to own means"nothing" on a credit score

Credit help questions for late payments, charge offs and court

I payed off a lot of deb with income taxes on my credit report it shows payed but is there anyway to get them off? I was reading Ur site and u was talking about get written letters saying the would take it off Ur credit if u agree to pay
which in my case is a cell phone bill
should i pay the attorney that sent me a letter or the cell phone company? My husband has a direct tv bill from when he was 18 and he is now 27 but it shows up when we try and get something but i don't see it on our credit report and directv doesn't help when i try and call them b/c the said they need a address he doesn't remember it one more question we both have 3 open accounts but one of his is through citi financial really high interest rates should we pay them off please help with any question need to get score up
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number one credit help mistake
paying off past bad debt BEFORE you talk to them and ask for help, removal, or to reopen.
i would try to re open anything that i paid off and after 12-24 months ask them to only report the past 24 months. ATTORNEY. OOOOPPPPS your in trouble there.
I would call the cell company first
attorney second and BEG. Dispute the direct TV bill with the credit dispute form. say not yours you never lived at that address.
you should pay the citi card down to less than 79% of your high credit limit. Keep it open and pay good for 1 -2 years.

How do I obtained the phone numbers to the companies I owe?

How do I obtained the phone numbers to the companies I owe?
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dispute the accounts as
NOT MINE
with the credit bureaus
you will get the addresses or they will fall off in 35 days or less

What letter do I send to find out my balance on a closed or charged off account

I was reading thru your website and it has inspiried me to start working to repair my credit. I do believe i'm at the bottom barrel of credit and am looking to repair damage done within the last 24 months. What letter do I use to request the total balance on an closed account from the original creditor as on my credit report no collection agency is listed.
I would like to pay these accounts either in full or thru payment plans and hopefully reopen the closed credit cards and pay on an repo car.
Please let me know the best way to begin this process.
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just dispute it with the bureaus first
say it is not yours then use the addresses and phone number to call or write for that information
there is not any pat letter
just write what is my balance on account #send a copy of your driver license
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Fix my bad credit advice.

I have been reading so many sites and I'm totally confused.
I read your blogs and you see to know what you are doing.
I have been Self-Employed for about 6 years and to start my dream I maxed out my Credit Cards. Tough times hit and I fell into default.
We are selling our home and moving to TN and highly motivated to clean up our credit so we can adopt another child. I know that I have 2 judgments on my credit and they will be cleared once I sell my home.
My question is. Where do I start? Any advice would greatly be appreciated.
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you start buy getting your credit report then
read this Raise my credot score fast quickly free
then read this Credit Help
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Maybe my eyes are tired of reading today.
Do you have any information on your site about how to get judgments off of you credit after you have paid them. If I have overlooked it I am sorry for the waste of your time.
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judments are very hard
but this lady seems to think she knows
read this
Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong
anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks.
Then do the same on another letter with each additional item, such as dob, aka's, etc.
After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things. http://www.creditinfocenter.com/rebuild/debt_validation.shtml
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lol
Well, I hope you have a great night and if you need any help. Let me know and let me know if you get any success.
Thanks again for your always interesting and informative posts online. :)
-------------------------
I just want to make sure I understand this that I read. If I have a card in collections, I should contact the original company offer a settlement and see if I may reopen the account?
--------------------------------
no
if you call the original creditor you should offer to pay it all and some extra if they will open the same account back up and let you start over.
After 12 months ask them to report only the past 24 months activity offer settlements or reduced payments to collections that do not pay but 20 cents on the dollar

3 in 1 credit report has descrepanicies

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

Dispute bad credit

i once had a company dispute my bad credit. they told me that all bad credit has to go through a series of laws before it can be posted on my credit report and that the process is so long that the majority of companies don't do it.
and that was how he was removing my bad credit by asking if it was reported legally and if they responded yes he would ask for proof and eventually it would get removed.
my question is how do i get that program or how do i go about doing it that way? please help
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use the debt validation letters on my website
http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
- Show quoted text -

In iraq. Who can I pay to fix my credit errors

im in the army im deployed to iraq right now and when i get back ill be leaving the military. when i was younger i was stupid with my money i bought a car that i could barely afford and then totaled it i paid on it until i paid it all off and i was going though my credit report recently and it shows that it was repoed and it wasnt
i also took a loan out as well i had paid it in full acouple months early and received paper work stating that i had paid it in full and for the past 12 months
they have been reporting that i owe then 89 dollars and
i have a couple other things that dont seem right how would i go about disputing this and getting them off my credit report, i think that my credit report doesnt looks so good right now because of these problems
is there a company that i can pay to get all this negative stuff off my credit report. any help with this problem we be greatly appericated
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Lexington Law
just use my free dispute form
say not your or account in error as all my accounts are paid of in full
wait 30 - 40 days for a response then if your answer is not satisfactory
mail a validation form to the addresses given on your dispute responses

debt validation follow up letter and no respones within 30 days

thank you for all your help so far.
It has been almost a month since I sent my validation letters.
2 of them came back from different co's. with a letter that stated they sent me info on the collection on 04-07-07 and that I had 30 days to comply.
Going further, they stated that since i did not validate it, i assumed the debt. Yet they sent me no info that I asked for!
What should I do. (By the way those 2 co. are the same, using 2 different names for the same amount of money) What should I do for this as well?
And finally the 3rd co. sent me a one sheet letter that said VALIDATION LETTER, with my acct # and last transaction date and the original creditor name but none of the specific info asked for on your Validation letter.
What should i do here?
Maybe send them follow up letters? Any help will be appreciated!
----------------------------
dispute with bureaus certifed mail on more time
not yours, error on credit report
then call and file a complaint
-------------------------------
i have sent the second set of letters but have yet to hear from them.
should i contact all the credit bureaus and ask them to take it off my file (and send them all documents i have), or should i go to the attorney general?
-------------------------------
this should prompt them to provide said docs.
but sure ad that in.
then complain to attorney general here is another set of doc which might help you
http://groups.yahoo.com/group/credit-repair/files/Letters also a crazy get the collection agency group

CA question about disputed credit line

I've written this CA for a month now; in 3 days it will be thirty days. They just wrote to me and said they put the accounts on hold yet they are still pursuing collections by reporting the debts to my CRA. What can I do to get these removed from my CRA? How should I proceed?
--------------------------------
ca? collections agency? writing them for 30 days. what a validation letter?
have you disputed the account with the universal dispute form who is putting the account on hold. the collection agency?
the bureau?
i am missing something
if not go to yahoo groups'credit repair' ask them
seems like you could use more legal advice
--------------------------------
sorry, I'm a little flustered. I sent the collection agency a dispute letter, then after 3 weeks the collection agency wrote me just a few days ago saying they put the account on hold. But, they are still pursuing collections by reporting it. I also sent a follow up DV letter with no results. I don't know what "on hold" means and if it means they are halting collections why are they still reporting on my bureau? What should I do? I also sent copies of the letters to their registered agent.
------------------------------
it seems as if you could use smurfhandy at credit repair groups
i think you can do more than i can help you with
the debt validation letter sometimes scares them out of the box
i am a little unsure as what to do when they don't scare but three weeks is not very long even though is seems so.
try the validation letter again call your state consumer affairs division or state attorney general and complian to the bbb thats about the best i can do

Transunion and Experian dispute affidavit

I filed an FTC Affidavit with the 3 credit bureaus last year.
Equifax is the only one who deleted/blocked all of my requested items.
How can I have Experian and Trans Union contact me via e-mail to complete the process?
-----------------
Buy the credit report from those two websites
then use the credit report login number to access your account and do your affidavit deal online
they should contact you via email

What happens to collections when you pay original creditor

Thank you first for taking the time to read and answer my questions.
I sent the dispute letter to Audit and Adjustment - they sent me a letter back that says they marked the account as disputed and will be reported to the national credit reporting agencies.
Mind you I did not change your dispute letter at all. Also I was told that if I could get valley medical center to cash a check - that that means I am working with them and they are working with me - cutting out the collector per say is that true????
I did not a get a validation of debt from audit and adjustment. I don't know what to do now...And as far as I can tell the bureaus aren't really checking into things - because I have paid off a bunch of stuff and it still hasn't changed my report any. If I missed something in your writing would you let me know where to go read again please.
---------------------------------------
prompt bureaus to work for you with the dispute form on those paid bills.
say not yours or error audit and adjustment?
is that a collection agency?
if so validate the debt not just dispute? not sure what happened here
---------------------------------
Valley medical did cash my check.
-----------------------------
you should be able to rid yourself of the collections thenask valley medical to helpreally you should have hasked them before you paidButthey may still help you

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

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

Old Paid Collection Items-Help!!

Scenario; paid collections (5 total) back in 2006- have documentation-cancelled checks, letters from collections agency per agreement to pay.
Fast forward: New collections agency showed up on my credit report reporting same 5 debts as unpaid. forwarded proof to all three credit bureaus- report updated to show as paid collections to current collection agency, but I did not pay them... and that I did pay ...it was more than 2 yrs ago and to a different company. Next issue: when I was laid off in 2001,,I promptly applied for the credit protection insurance that I paid for each month prior to becoming employed- a few of the accounts were charged off, however insurance was paid on these few accounts. Have documentation from insurance company detailing each payment and date paid. Problem: Accounts sold to collections agency who is reporting the account as unpaid. How do I find out the charge off date and the balance owed at the time of charge off- I would like to compare amount owed at the time of charge off with the amount that was paid by the insurance company so that I can at least reduce the amount owed or show that it was paid in full prior to being transferred to the many collection agencies over the past seven years ( BTW- the most recent collection agency list the date of last activity as 2003- ( I have a credit report form 7 years ago which is contrary to what they are reporting . any advice would be appreciated.
-----------------
i would legally vaildate the debts with the new collectors trying to double your payout.
send them the copies of your payments and let them know you expect total removal or court action i have found protection insurance to be just like what you said
slow but after proding they do pay, usually after you credit crashes. I think i might be highly upset with them
i would file a compliant with the bbb and maybe call the state attorney general about this credit card proctection...HA collectors are not allowed to change dates.
this is a violation of the fair credit reporting act i would validate those debts and debate court action go to yahoo groups
credit repair
ask for smurf handy... tell her bo sent you as you want to sue some @ss
------------------------------
Thanks for your timely response and I will follow up with smurf handy ASAP!
--------------------------------
by the way
i do not like smuf handy BUT she has some very real talent

Time Barred Debts ?

Bo, Last week I interviewed for a new job. While there, the HR director, asked about my credit report. I had a couple of items that have been settled. However, there are two that concernedthe organization. In fact, the alleged debts are over 5 years old. What I recall happening were credit cards that merged (and i'm told they've been sold again supposedly). Well, anyway, it appears that the amounts are doubled. I disputed this over 5 years ago and never heard anything. I see where one of them reappeared on my credit report, as recently as January 2008. (Equifax). I am in the process of disputing this with Equifax. I seem to recall doing that 5 years ago, but do not remember the result. What is your best advice ? Thank you Reply Forward
majors@oskie.comsounds like you are doing it then go from there credit repair groups on yahoo...May 18
---------------------------------
sounds like you are doing it
then go from there credit repair groups on yahoohas some lawyers if you find you are being shafted on a newly dated collection
ask for smurfhandy and say bo sent yahttp://finance.groups.yahoo.com/group/credit-repair/
but only after you dispute the acccounts and get a repsonse.say not yours or an error, please delete seems sort of illegal for this to show up with a new date
----------------------------------------------------:
Bo, Last week I interviewed for a new job. While there, the HR director, asked about my credit report. I had a couple of items that have been settled. However, there are two that concernedthe organization. In fact, the alleged debts are over 5 years old. What I recall happening were credit cards that merged (and i'm told they've been sold again supposedly). Well, anyway, it appears that the amounts are doubled. I disputed this over 5 years ago and never heard anything. I see where one of them reappeared on my credit report, as recently as January 2008. (Equifax). I am in the process of disputing this with Equifax. I seem to recall doing that 5 years ago, but do not remember the result. What is your best advice ? Thank you

-- Bo Majorshttp://www.oskie.com/www.oskie.com/equifaxtransunionexperiancredit.htm Credit Help --------------------
majors@oskie.com wrote:- Show quoted text -sounds like you are doing itthen go from there credit repair groups on yahoohas some lawyers if you find you are being shafted on a newly dated collectionask for smurfhandy and say bo sent ya
http://finance.groups.yahoo.com/group/credit-repair/but only after you dispute the acccounts and get a repsonse.say not yours or an error, please delete seems sort of illegal
for this to show up with a new date
-----------------------------------------------
Bo, Last week I interviewed for a new job. While there, the HR director, asked about my credit report. I had a couple of items that have been settled. However, there are two that concernedthe organization. In fact, the alleged debts are over 5 years old. What I recall happening were credit cards that merged (and i'm told they've been sold again supposedly). Well, anyway, it appears that the amounts are doubled. I disputed this over 5 years ago and never heard anything. I see where one of them reappeared on my credit report, as recently as January 2008. (Equifax). I am in the process of disputing this with Equifax. I seem to recall doing that 5 years ago, but do not remember the result. What is your best advice ? Thank you

-- Bo Majorshttp://www.oskie.com/www.oskie.com/equifaxtransunionexperiancredit.htm Credit Help
-------------------------------
Date of first delinquency this is a real stiker for credit law and if a credit
..May date of first delinquencythis is a real stiker for credit lawand if a credit
or messes this upor changes the dfd or dla
they can get on real troubleor if the account is sold that can cause problems for the credit
or also check this table for accounts prices sold to a collections agency.much of his has to do with dla and dfd
and how much a collection company might pay for a charged off debt these are not current "but in the range"
--------------------------------------------------------------------------
Price Range a Year Ago Current Price Range % of Price Range ChangeFresh $.12 – $.17 $.09 – $.12 10% – 30%Primary $.08 – $.12 $.05 – $.08 20% – 33%Secondary $.055 – $.09 $.03 – $.05 25% – 40%Tertiary $.03 – $.05 $.01 – $.03 25% – 50%Quads $.01 – $.025 $.005 – $.015 25% – 50%
- Show quoted text -On Sun, May 18, 2008 at 3:53 PM, Georgette Bernhardt =
Thank you. There is a column that says "DFD/DLA". I know DLA means 'date of last activity'. What does DFD stand for ? Thanks
----------------------------------------
sounds like you are doing it
then go from there credit repair groups on yahoohas some lawyers if you find you are being shafted on a newly dated collection
ask for smurfhandy and say bo sent ya http://finance.groups.yahoo.com/group/credit-repair/ but only after you dispute the acccounts and get a repsonse.
say not yours or an error, please delete seems sort of illegalfor this to show up with a new date
----------------------------------------------
Bo, Last week I interviewed for a new job. While there, the HR director, asked about my credit report. I had a couple of items that have been settled. However, there are two that concernedthe organization. In fact, the alleged debts are over 5 years old. What I recall happening were credit cards that merged (and i'm told they've been sold again supposedly). Well, anyway, it appears that the amounts are doubled. I disputed this over 5 years ago and never heard anything. I see where one of them reappeared on my credit report, as recently as January 2008. (Equifax). I am in the process of disputing this with Equifax. I seem to recall doing that 5 years ago, but do not remember the result. What is your best advice ? Thank you
-- Bo Majorshttp://www.oskie.com/www.oskie.com/equifaxtransunionexperiancredit.htm Credit Help


-- Bo Majorshttp://www.oskie.com/www.oskie.com/equifaxtransunionexperiancredit.htm Credit Help Reply Forward
majors@oskie.com to show details May 18 Reply
by the wayi got this off that board from the smurf shes a bad girlwant to set someone straight
she will teeth em to death i have been humbled by her
she's familiar with law and I am best at negotiate pay delete reopen validate matter of a fact you might validate that debt as you dispute it now that I think about it more

DOLA credit report question

I just received a collection letter on a credit card charge-off that I hadn't seen any activity on for the past 5 years. My question is this: My credit report lists a Status Date of 08/2003, but no activity date. I believe that my last payment on the account was about 12 months earlier, perhaps more, but I have no documentation on it.Although I'd like to get to a point where I can negotiate this old debt, my immediate concern is the legal options of the collection agency, and if the last activity was indeed a year or more before the Status Date, the SOL would be close at hand. Is there a way to get that information from the reporting bureau or original creditor?
------------------------------------
status date is the last time the creditor reported the status of the aforementioned account the date of last activity is a whole nother matter you you can tell i see i real am afraid to advise you on this as it seem you would like to debt to go away after 7 years and not pay it
i guess if i were trying thati might leave it alone the next thing is i might dispute the account as not listed with correct date of last activity
which could possibly stir up some hornets howeveri always assume debts will be sold at some point and a new date may show up
which could be newer and moe troublesome.usually if sold, debt go for .20 or less on the dollar.so if that happened i would try to settle for much less you do not say what the debt is

Need some credit advise on a judgment

I want good credit and have been freed of a bad marriage as of two year ago. With backed up bills and child support it took me a while to get my self in a position to pay these way over due debts. I had 9 debts in collection and have settled all 9 of them as of 3Jun08. My current score is 578 but I hope to see growth with in the next year. Being that I settled these accounts how do I go about removing paid settlements from my credit report and how long will that take?
-------------------------------
Hi there, thanks for the reply. :) Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks. Then do the same on another letter with each additional item, such as dob, aka's, etc. After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things.
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lolWell, I hope you have a great night and if you need any help. Let me know and let me know if you get any success. Thanks again for your always interesting and informative posts online. :)

Credit Report

MY husband and I have been working on our credit report for a little while and have all of our past debts paid in full. Now all we have is one more left. Our problem is i called to settle the debt and they have no record of our account what so ever. I have given them our S.S.# and everything i possibly could to get this debt settled. Now this debt is the only thing that is keeping us from getting the house we want. How do i take care of something that i can't fix now. I tried to make our wrong a right but now i can't. The debt is a repo through Capitol One auto finance. Will the credit reporting company's take this off since Capitol One has no record of it in their system. If not do you have any advise for us
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dispute it fast
certified delivery mail
send it next day air if your in a hurry
say not yours
-------------------------------
I'm sorry to bother you again but how much will disputing this help our credit score.
----------------------------------
if it falls off and it was 2 years or less old
and you have new current rated credit
as much as 50 points
otherwise probably 10- 20

Duplicate credit reporting

paid off a Wells Fargo credit card in full back in November 2006. It had been referred to Hilco receivables credit agency so I paid them. Hilco reported on my credit as paid in full, but recently (June 08) I noticed that it was reported again by Hilco receivables, but this time it said that the delinquency date of reporting was in February 2007. I don't understand what this is. If I paid it in full in November 2006 why are they reporting a delinquency date of 2/07? So now I have Wells Fargo (original debt) and 2 Hilco reports on my credit. I should have only 1 from Hilco stating that it was paid in full on 11/07 right? I have another bank credit card with 0 balance of a $1,500 limit, a new BMW and a good job that I have been on for 2 years with a major company, yet my score is now 610. lower than it was at the beginning of this year. I want to buy a house that I am looking at but I am concerned about my credit score. I want to call Hilco but will the call be considered an activity where I will be given 7 more years from the activity date?
--------------------------------
Dispute that account with the bureaus.
Say not mine or a illagal duplicate of a past paid account
then
validate the acount in writing by creditfied delivery mail to Hilco. Explain you plan to follow all your rights by law under the FCRA and have disputed this account with the bureaus for the suit which will follow this plainly illegal activity. If this is not resolved within 30 - 35 days file compliant with state attorney general, then go to court with the documented finding from these two letters.

students loans, collections

Hello, I’ve read through your (excellent) site and can’t seem to find an answer to my particular question; forgive me if I’ve overlooked it. Here are my questions:
1. STUDENT LOAN DEBACLE: I recently (before I was credit-cleanup-savvy and knew about negotiating a settlement) paid a collector called “Windham Professionals” over $20,000 to pay off my Stafford student loans in full, which had entered default status. These loans were originally with CALS, then assigned to the CT Student Loan Foundation to collect (I have no idea where “Windham professionals” came from.) The items are now duplicated on my report—the CALS item (original creditor) says “STATUS: Claim filed with government/past due 180 days” and “Recent Payment”: NA. sThere is a similar listing for Sallie Mae Servicing. When I called CALS, they explained that it was “NA” since I didn’t actually pay them, I paid the collection agency. Indeed, the CT Student Loan Foundation’s item lists “Paid, Closed/Collection Account.” A few questions here:
A. Is it legal for them to list both the original debt AND the assigned debt, and only list the one assigned debt as paid?B. Have I screwed myself by paying 20 grand for a measly “Paid Collection” status on ONE ITEM my CR? Now that I have no leverage, is it possible to negotiate that annotation to something more favorable? With whom (e.g. which company) and how would I do this?
C. Do I have any legal claim (even though I’ve already paid) that could improve the situation, since the company I eventually paid, Windham Professionals, shows up nowhere on the report? So confusing!
2. VARIOUS OTHER DEBTS: I have about $10k in various other debts. Most of them are from 2005 or before. I have cash on hand to settle for probably 25-30% of these old debts. I’m confused about whether to validate, dispute, or settle— or some combination of all— different sites and people say different things—you seem to come down on the side of settling if you can to be over and done with things. Which do you suggest and why for a person in my situation? Other scattered issues with these debts:
A. Does the “date of last activity” reset if you call/write to INQUIRE about a debt (e.g. communicate with the collection agency by phone or writing), or only when you PAY on it? In other words, am I damaging my chance to have the item simply fall off in 7 years by trying to settle?
B. Some sites/resources say never call a collection agency; you seem to have had success being straightforward and businesslike. Would you recommend I do begin by calling? C. I understand the basics of settlement but am unsure what the actual steps in “real time” are. Is the correct order of things?
1. Call and offer a settlement account in exchange for a deletion or “pays as agreed in good standing” listing.
2. If collection agency agrees, send them a signed contract to sign and send back to me 3. Wait for item to be deleted from all 3 CRs
4. Send check. (OR are 4 and 3 switched?) I hope this makes some sort of sense and thank you for reading this far. You’re providing an invaluable service to many overwhelmed people! Thanks! \
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you know
the thing for me is to pay and be done with anything that i signed up for
so if you paid something and all it does is show paid.
to me that is fine
now i can go on with my life now if you would like to play hard ball go to court go crazy go to yahoo groups
look for credit repair
and ask this questions there and see what they say
they have made me very angry and a lady called smurf is in my best estimation a totally unstable credit law person she will tell you all kinds of things that are hard to understand but probably have legal merit.
so if you want to sue some @ss
go there. but as for me and my house.
i believe in paying my bills and negotiating for help and if i don;t get it i pay anyway
because credit is a mindset.
it makes you think when you sign up for something.
hey this is really important and a major decision. but on the other debts and collections and redating.
yes that can happen but in the long run and keeping good active rated credit going your scores will leap in 1 to 2 years. if you are upset over no help and unsure about collections
ask the crazy lady. SMURF HANDY tell her bo told you to ask for her by name as she is crazy enough to sue over spilled milk.
and she has no checking account and no credit cards.one hard line super right or left wing credit freak of nature she will give you an earfull of what to do about your remaining debts
she probably would have helped you on that student loan.

CEO of transunion

Dear BO: From the website I assume you are the C.E.O. of Transunion credit report service. If this is correct do me the favor of responding. Allstate is telling me they have received a score of 3 out of 5. 1 is the best. To make a long story short I pay cash, don’t use or have any credit cards, I seldom use a debt card other than to buy food or gas. My life is paid for. So why is Allstate showing a 3 rating.
---------------------------------
no what you smokin
it says everywhere
I AM NOT TRANSUNION but an easy way to find out who they are and what they do do you think a CEO would make a site like that this just blows my mind.

paying cach for everything is S T U P I D
have no idea why people think that gives them good credit
it gives you a credit score of a big fat 0 keep payng cash and read what you shall sow.
dave ramsey is a nice guy giving bad advice.
everyone should have at least 3 open lines of credit reported to a bureau at all times
or you might get smacked around by al kinds of folks insurance
potential employers. get some credit dude

7 years or 10 years on a bankruptcy

I live in Texas. In 1999 I filed chapter 7, at that time I was told that it would be on my credit for seven (7) years. In 2005?? the law changed to allow ten (10) years. I need to find the OLD law were it states SEVEN years. I keep finding the NEW law. Where can I find this on-line or elsewhere? The credit bureau's insist that they will not remove the bankruptcy until 2010.
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bk are diff most states use 10 years for bk's

Creditor not playing fair

Hey Bo, I sent a creditor a debt validation letter as per your advice. They failed to respond within the thirty days required by the FCRA. I sent the letter certified and I have proof that it was received. I sent a second letter to inform them that they have failed to verify this debt and by law MUST remove it from my credit file. That letter was also sent by certified mail. I still havent had any response. What should I do next? Thanks for all your help...Jay Jay
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Jay Jay
i would say dispute the thing with this free dispute form
if that does not do it
Call your state attorney general. and use the the yahooo credit repair board
if you would like to really hammer the collections agency.
these folks bomb collection agencies

how soon is to soon

I Have raise my credit score from a 514, 522and 520 to 610,620 and 620 in 3months. I have paid all my bills, but have three paid after charge offs on my credit report. however been able to open a new credit card...I know that i need three open lines of credit to get a good score, but is it to soon to apply for another card...(I open my card in april)
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i would try it for suremy wife always tells me to get my ostrich head out of the hole

Credit help

I truly have the worst credit in America and I feel hopeless. I have 11 negative accounts. that were all charged off. My credit score is 515. Where do I begin?> and from reading your website. I feel that by understanding the pattern given by you in details is the key concept to making agreements with the creditors but not to push my luck. Do I contact the original creditors or?
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contact em both
negotiate, validate and dispute before you pay. Get sign on company letter head agreements before you pay.
reopen anything that is possible with an upfront payment.
and get new credit started even if you have to pay a secured card to get something going
here is the best bad credit, credit card place I know of

Oh and no you dont
350 is the worst and there are plenty of them so hold your head up

Raise credit score question. Paid off accounts how much will my score improve

I would like to ask about credit scores. my son and I are trying to improve our credit scores. my son paid off all debts on his credit reports ( all three) and I am working onmine too. His score was 515 554 596 mine is 503 520 544 with all paid off do you know how high this will raise our scores. And how long does it take to do so. Thank You so much
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just do not close the accounts
i would hope these are not collections only
if you keep good open, reported, credit cards and car loans.
and this is what you paid off your score could jump into the mid 600's
if you only paid off only collections and have no reported ongoing good credit then your score will not improve much at all.
so get and keep new good credit that has been open for at least one year for best results.

Credit Card Charge-Off Negotiation

I have tried to keep up with credit card payments; however, I have 1 charge-off and 1 collection forwhich I am seeking removal.
I called US Bank to ask if they would erase my charge-off if I paid the balance in full. I told them that prior to an emergency I had honored my commitment to US Bank, but that I had a family emergency that required me to give up my career and relocate overnight.
I was told by a US Bank Recovery Managerthat due to US Bank's agreement with the credit bureaus it could not remove the negative item and that it would only state that it was paid in full.
To request reconsideration I am going to send a letter using your format detailing my family situation and stating that am trying to get back on my feet. Should this not work, what do you suggest? Should I write the CEO, or is there another way? Am trying to get my career back and don't want to be turned down on a job offer b/c of my credit score. Are there any services out there that negotiate pay for delete?
What does paid in full do anyway?
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paid in full helps ALOT over time
say 1 to 2 years
i would go with that
and establish new good credit

My husband and I have past due on our credit reports

My husband and I have a lot of items that are past due on our credit reports and we are finally going to fix our credit. Do you recommend just consolidating everything into one monthly bill or take one bill at a time and negotiate one at a time? Thank you
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thats a case by case study
i would venture a guess
legally validate each debt first
then negotiate each debt, tell them you make one in full payment not a payment schedule
if you cannot find a creditor dispute the accounts
then consolidate all settled and non settled debts

Credit score changes

I am writing to you for some information about my credit score. I have tried very hard to get through the maze or firewall of phone messages at experian without any success. I have an account with them but because I have an online account, when I get my credit updates I don't get a report number and the maze is impossible. The question I have about my credit score is: Why does a credit score drop 6 pts in a month. The only thing I did last month was to apply to an apartment complex for their credit approval. I was approved but according to someone I spoke to on the phone, that one thing cost me 6 points on my credit report. Last year my credit score was 565. There was some old debt and some disputable information on the report, so I went to work to clean it up. Last month my score was 635. I just got a notice of a change in my score and when I checked, I noticed the 6 point drop in the score. I noticed a web page about you and decided to write and ask you if you could help me understand this situation. I hope you can help?
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looks like youve done well
you can take a 6 point hit for inquiries keep rated credit open and below 79% balance to high credit limit. when two years pass from date of last activity
you score will jump if you have good credit going now the average american has a score of 684
so your are almost there
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one other thingif you get an installment loanyour balance to high credit limit will be maxed out until you pay it down to below 79%

My credit score is a 452. How do I raise it?

I have credit score of 452 and I am determined to raise it. I am a little overwhelmed, but my question to you is where should I begin first. Should I start with the most recent bad creditors and work my way toward the older ones. I have some that should be removed this year. Should I let them go? I already went to all three credit reporting places on line and started disputes with those who had wrong info. OK. Thanks for your help.
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i would try hard as hadees to work on anything bad from today back two years dispute anything on your credit report older than that and pray. get new reported and rated credit do what i did to fix my credit report with and how i negotiated a bp oil charge card charge off, if you have anything like thatjust charge your gas for a year to stay out o more trouble. and hope nothing else bad happens to you in he meantime.
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I am getting ready to make my calls. I am going to tell them I would like to settle my account and would they please totally remove it from my credit report or to report as paid in full as agreed. If they agree, I will ask for something in writing say they agree to that? Should I ask them to settle for a lesser amount? Or is that pushing my luck? I also have a car loan and two credit cards that I keep current on, so that should take care of my 3 open credit accounts in good standing. Had them for a little over a year.
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I called my first creditor. (Comcast). I asked if they would send me something in writing and he said that is a LEGAL issue and they don't do that. He said it was illegal for them to remove it. Best he could do would be marked paid in full after I pay it, so I said I would. Is the LEGAL part of his answer true??
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in truth yes
but they could change it and say it was their mistake, if they were asked, which they never would be asked. So legally they can change. most utilities do not negotiate. pay in full or don't. they reall do not care, because next time you go to get cable and they check your credit you are stuck unless you pay. the best ones to help you are collections and charged off credit cards which you reopen with full payment and a extra downpayment to show trust. in the end if you pay the bill you have one less unpaid bill in the past due column
AND
you have reduced your balance to high credit limit ratio. your credit may take a instant hit but it will quickly recover with new good credit that is at least 12 months on the bureaus books

CA (Collections Agency) posted the sold account on my report

I just pulled my report and saw that the CA (Collections Agency) posted the sold account on my report. Is it legal for the original debtor, AND the collections agency post the same debt on my account? Can I get one or the other removed? AND, can they repost it again and again, even if I dont contest it? I heard that after 7 years after the "ORIGINAL" account was posted, that it has to be removed and the CA cant repost it over and over and over.... Please shed a light on this subject via email, and on your site... if I overlooked it on your site, I apologize
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i have a great groups for legality about collections
send this msg herehttp://finance.groups.yahoo.com/group/credit-repair/

i think you have to have a yahoo account
emails i get, say send questions herecredit-repair@yahoogroups.com say bo sent you for legal advice what i would say is no it is not legal

how to stop it i do not know other than disputing, negotiation and paying each off
and debt validation i do know that if it is a collection
AND you do pay

after about 3 - 6 months dispute it and it will probably fall off

My credit got combined with my brothers credit

My credit is combined with my brothers credit, who of course is an idiot and has really bad credit. Whenever I apply for a loan or CC, or even try to open a new bank account, I get rejected. I finally went to myFico.com and got a credit report, found out our credit is combined. Do you have any suggestions on how to fix this? Do I have to contact all 3 credit companies? The idiots at myFico.com could not give me my Experian credit report number so I cannot talk to anyone at Experian over the phone because if I don't enter a credit report number I just get hung up on. Do I need to buy all 3 reports, because freecreditreport.com does not work for me. How long does it usually take for them to fix it? I can only proove to them that out of the 12 accounts on the report 2 are mine, how can I proove to them the rest are not mine? Even though I entered my DOB and SSN for the credit report, it showed my brothers full name and all his crap. Any help would be greatly appreciated, I have to get a loan for next semester and if I can't, I'll be screwed. Thanks!
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what you have to do no matter is this

make a copy of your report circle the errant accounts on the copy

then copy that copy three times

use this dispute form (fill out only the personal info part and write in that your report has been combined) then include, copy of your drivers license, utilities bill, ss card, mail to all the bureaus certified delivery mail

wait thirty days

I have tried to establish new credit and keep getting declined

I have had the same score now for the past 3 years. It is a 493. I have tried to establish new credit and keep getting declined. I have an auto payment that is in my sisters name that i have been paying on for over a year now. I brought receipts in to show them that i was the one making the payments and on time, they said it was not good enough. Because it would not show in my credit report. Any suggestions? I also received a copy of my credit report and alot of stuff on there was duplicates and were sold to different collection agencies. I disputed them and received a letter back from the credit bureu stating that the were validated and proved to be mine. Even after i stated they were dupilcates. I am wanting to purchase a new home with in 6 months is there anything i can do to jump my score up quickly. I have just received a secured credit card as you suggested. But that will only show 1 line of credit.
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and it will take one year to be a rated line of credit
that i dare say it your largest problemthe card reports to bureaus and is not a buy from a catalogue only card i hope for your sake\if they do report to a bureau and it is a catalogue car d keep it anyway for one year.
there are some new places on the internet that will take manual credit submissions.
but i do not think it will help with conventional mortgages as they only use
the big 3 transunion, equifax, experian here is a list i found http://finance.groups.yahoo.com/group/credit-repair/database?method=reportRows&tbl=1i would suggest going asking the board this same question
tell them bo sent you
they know how to deal with collections and duplicates, and i believe they might be of some help with these credit repair on yahoo groups
credit lawyer dole out free help here maybe they can do something for you

College student with charged off verizon cell phone bill

I'm a just a graduated college student, and I got notice from Verizon who handed chanrges on my account to a collection agency. I couldn't pay it in full two months ago, and I called the collection agency the next day, trying to negotiate a payment plan. The only option they gave was a two credit card installments in the same month, or a direct full payment from a bank account. This happened on 12 March. I was in the middle of school work and lab work, and didn't know who to ask, and what to do. The balance is $259. I purchased DSL connection on February 4, 2007, and when I spoke to the representative, I asked several times if the contract is month-to-month and if there will be an early termination fee if I end it prior to one year because I didn't know if I will stay at my current address. His answer was no. The service was terminated by Verizon in December 2007. I paid my bills until September, then I called a month later to terminate the service, in the first week of October. Turns out the service was not terminated, and continued to accumulate charges. They also charged me an early termination fee $79. There was no dial tone in the outlet in November, but I didn't even check in October, and I assumed that they terminated the connection right away. They say they have no trace of my call to terminate the service. I don't know if I can prove that there was no dial tone. In your opinion is it more harm than good to dispute the charge, do I have anything to hang-on to, or should I just pay the full amount? They hired a collection agency, and they contacted me on March 12. It has been one month-and-half and I don't know how to pay the amount so that it does little damage to my credit score and report. I can pay it in full, but I would much rather pay it with my credit card over several months. Please advise!
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i would talk to verizon
beg plead
beg plead
ask for a manager beg plead
be willing to pay in full right then ask for a letter of paid in full and as agreed with no lates and that the collection be removed
signed on company letterhead if they want do the paid in full
pay them anywayand be donebut get something in writing that either the collection or the verizon comes off you credit if possible

Do we close all our credit cards but one or two to get our score higher

I have been doing a lot of reading and still can’t come to a conclusion on what to do. My husband and I have a credit score of 788. We have had a lot of debt but have always been on time. Recently we have worked really hard to get all our debt paid off. I am happy to say that we only have about $7000 left—we have paid off $20,000 in the last few months. My question is: Do we close all our credit cards but one or two? They all have a zero balance, but I don’t want to hurt my credit score. We are going to be applying for a home loan soon and want the best score possible. We currently have 4 credit cards and 1 line of credit, all with a zero balance. What is the best solution?
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i wouldnt close anything out as it lookss good to have a low debt to high credit credit limit ratios accross all your credit cards
788? good gosh dont worry be happy, my credit union used 684 for the best rates some mortgage brokers will maybe go as low as 5.5 30 fixed
but one normally has to pay a point even with a 788. i refuse to pay points
they have these huge fees, 3500 range for 30 yr fixed.
i think i am gonna sell my house in a few years
i got a 5.125 7 yr ballon with figuured on a 30 yr fixed
closing cost 1200 that way when i go to sell i haven't added 3500, plus a point or like 5000 more
and of course
they say no money down or refis, so what, they do is add the fees into your loan.
that really bother me
one needs to decide how long they are going to stay in the house and make correct decisions
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So how do you get out of paying points? One of my husbands (and mine) biggest gripes is the huge fees we are charged when we buy a home. Tell me how to get around that! The loan costs on a mortgage are outrageous.
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points add on to fees to buy down the interest rate on conventional fixed rate loans
i refuse to buy down rate or pay points PERIOD feees on conventionals
ad up, lenders fee 795, title fee 350, credit reports 35, deed search and on and on.
ask em what they are
they add up to 3000 dollars at most lenders but vary
my credit union will do 2800 but countrywide who has my loan called me and said 6.5 fixed with 3500 fees
i called credit union they said 6.0 with 2700
i called tyrone back at country wide and said DUDE
you have my loan now, you emailed and mailed and called me. and you can't beat my credit union. call me back when you can get REAL

i kept asking for lower fees because we plan to sell in less than
she said the lowest fees go with ballons
the bad end is ones credit could go south in 7 years and it might be hard to refi
OR one thing i found out when i refied this house. My friend with mortagage connection tried hard to get me to finance more and pay a point...... i refused. when i signed the paper i saw on one line that said brokers money. he got paid 3500 range as a percentage and would get like half the points had i paid them. it pi...... me off
i think 4000 to finance my home is too dang much. and i refuse to use a realtor for 6 percent. what are they smoking those crazy people. They have this high paying lobby thing. we are stuck until we break em up a little. it is happening as we speak. forsalebyowner.com gets listed in the mls.
this really p..... the realtor lobby off and they are still fighting-----------------oh i got lost.)^^%$#@@ sorry----------------the interest rate could go up and i might pay more money for a refi later since i plan to sell, i will have to refi anyways o i am willing to risk it, matter of a fact i have to risk it if i plan to sell and the fees are half for a ballon an the rate is lower 5.125 rate, 1200 - 1300 fees
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if you plan on staying
get a conventional loan an d pay th least amount of fees and rate you can call a credit union if you have one
a mortgage brokerand maybe your current lender ask each one to break down the fees.
tell them the best man wins, plain as day but with a conventional you will have to pay those fees you can find places that have lower fees tho