item they are trying to collect on is past statue

Quoting realperson@hotmail.com>:

Hello Bo!! I have been looking at your web content for sometime now. My questions is, I have Calvary Collection calling me(I do not answer the phone, caller ID, but they do leave messages, and sending me letters and settlements saying I owe them money. This item they are trying to collect on is past statue and is not even on any of my credit reports anymore. What do I do? Isn't it illegal for them to keep trying to collect. Like I said it is not even on my credit, but I do see them on the under inquiries, I guess they are tracking me???? Any suggestions?? Thank you, RP
---------------------------------
It would be illegal to inquire on you if they do not have your signature. I would venture an educated guess that the calvary account was sold to calvary by some other creditor "for 30 cents on a doolar or some figure" and that creditor is the one that is now gone. I would suppose you will be finding this collection on your credit pretty soon should you continue to not respond. Is it legal? I do not know. All I know is it happens all the time. Search for it on my blog. I bet this very question is in there 10 times. I would pay them if it was my credit entry "regardless" due to honesty. If I owe it, I pay it. But I make sure they do not put it on my credit if I do. If the amount is too much just duck and hope fopr the best. What are the laws? I would call the BBB. Or consult with the FTC. That is all I know.
----------------
Get Free Report & Score
Rebuild Credit Reports HERE
Free Debt Consult
Free Credit Help
My Credit History
Repair credit report free
Free credit report dispute Form
Improve you credit score
How to Read A Report

Suze Ormon said that FICO is the only score that matters

Quoting realperson@aol.com:

Hi Bo,
I just found this website this morning, and if I could ask you a quick question. I was listening to Suze Ormon on her show, and she said that FICO is the only score that matters. I went to myfico.com and sure enough they sell her things online. What I'm getting from your info is that they all have a scoring system, and maybe FICO just has a little better marketing. What are your thoughts?
Thank-you,
REAL PERSON
--------------
She was saying "that" in reference to all scores but probably advocating fico because of her affiliation. All scores fico, emperica, beacon are the most important part of your credit not just a what is on your credit report. Many banks look at these scores only. So they are all very important depending on which one a credior uses. We use beacon scores but sometimes send stuff to banks for approval and they use the trans union fico. So it totally depends.

email bo

Lexington law and my score has raised 100 points

Quoting "REAL PERSON" :
Hello Bo, thanks for your advice, since last year I have used Lexington law and my score has raised 100 points. My question concerns 3 late payments I have that I cannot seem to get rid of. They have been disputed a number of times but each time is verified. Is there any way I can convince the companies involved to delete those lates?
Thanks
REAL PERSON
--------------
The only way to convince a creditor who verifys late payments is directly with written proof or a cancelled check. One must show it was the creditors mistake and not yours for being late.

931-454-0660 w

The challenges are clearly errors on the various credit bureaus parts

Quoting REAL PERSON
I have referenced your website and recently noted that the fax numbers you provide for EQUIFAX are the same numbers you provide for EXPERIAN ... can you tell me which fax numbers these are for and do you have fax numbers for the other company?
I have serious discrepancies across my three reports and I can't seem to get anything to work for me so I'd prefer to fax if I can - that allows me another "in" to daily or weekly be in front of someone's face and that might work.
The challenges are clearly errors on the various credit bureaus parts -- and while I've contacted the creditors directly I'm consistently told to contact the credit bureaus to help me resolve these issues.
THANKS FOR ANY GUIDANCE YOU CAN OFFER
Best Regards,
---------------
i will tell you what i tell EVERYONE
use my dispute form and the mail
not faxes

those numbers were given to me by a nice person with credit problems
-------------

small secured credit cards for like $300.00 and $800.0

Quoting REAP PERSON
very interested in helping my credit, if I have charge off's on my credit report can I call the credit card company to try to pay them off , and will they take it off the credit report they are small secured credit cards for like $300.00 and $800.00 thanks for any help you can give me Bo
------------
definitely pay them off and give them EXTRA
ask them to open the accounts as you need good credit and are a good person
buy your gas and pay extra each and every month
after 1-2 years ask them to remove the old data
most credit cards only report the last 2 year's anyway
go get em
------------
Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

I received a contingent approval on a home loan

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

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

Thanks so much,
REAL PERSON


I need a loan as soon as possible, but I have bad credit. Where do I go? Best Online credit card offers
--------------------
Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

the past three years she has not paid the cond fees woth 10,000 and wrote bads checks to countrywide

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

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

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

uoting Real Person

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

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

do both the above
-------------
Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

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

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


take the 10 grnad an put it on a 15000 car and that will get you financed
make sure the creditors reports to bureaus
or
dont borrow from them
-----------------
Get Free Report & Score
Rebuild Credit Reports HERE
Free Debt Consult
Free Credit Help
My Credit History
Repair credit report free
Free credit report dispute Form
Improve you credit score
How to Read A Report

I am very scared to investigate my credit score

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

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

this mysterious creditor is nameless. I have no way to contact them

Quoting REAL PERSON

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

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

Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

Collection under a different account & five year newer date

Dear Bo,
You have an awesome site!

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

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

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

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

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

My personal opinion is the 7 year rule should stand under all conditions other than a consumer who makes payments or something which could be contrued 2 ways. date of last activity "last payments" being the start date for 7. OR being able to get the mark removed if you pay as agreed on collections or any account.
Bo's work # 31-454-0660
-----------------------
Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

Frustrating work to contact credit bureaus

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

Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

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

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

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

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

931-454-0660 w

Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

I corrected mistakes but my credit score remained the same

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

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

931-454-0660 w
www.oskie.com/equifaxtransunionexperiancredit.htm Credit help
Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

I contacted an attorney to solve credit errors

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

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

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

Get Free Report Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

Phone and Fax Number Numbers for Experian Trans Union Equifax

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

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

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

VOICE MAIL
972-390-3814

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

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

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

TU FAX Numbers
610-546-4601
610-546-4602
610-546-4603
610-546-4605
714-447-6032 ATTENTION: CONSUMER RELATIONS
714-830-2449
716-626-1795
Get Free Report & Score
Rebuild Credit Reports HERE
Free Debt Consult
Free Credit Help
My Credit History
Repair credit report free
Free credit report dispute Form
Improve you credit score
How to Read A Report

the payment was there on time and it didnt get posted

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

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

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

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

Get Free Report + Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books

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

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

Thank You very much.

Get Free Report + Score Here
Rebuild Credit Reports HERE
Legal Debt Relief
My Credit Help Web
My Story & The Bureaus
Read These Free Tips
Free Dispute Form
All About Credit Scores
How to Read A Report
Credit Help Books