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Google Local Business Center: "365 Vista Plaza, Suite 5
Dalton GA 30721
United States


(706) 529-3753


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Email address:donnahilley@rocketmail.com

Description:Artistic Gifts and Framing of Dalton GA. We are a custom picture frame builder and a local artist retail store. We have stained glass, water colors, oil and acrylic art plus hand made jewelry.

Payment types:Check, Cash, Discover, MasterCard, Visa
Hours:Monday: 10:00 am - 6:00 pm
Tuesday: 10:00 am - 6:00 pm
Wednesday: 10:00 am - 6:00 pm
Thursday: 10:00 am - 6:00 pm
Friday: 10:00 am - 6:00 pm
Saturday: 10:00 am - 1:00 pm
Sunday: Closed

Categories:Picture Frame Shop
Artist
Art Center

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Art : Local original art, artist, stained glass, water colors, oils, acrylics, hand made soap, furniture, decorative mirrors, hand made jewelry, rings, neklaces, earings, bracelets
Frame Brands : Larson Juhl, Nurre Caxton, Decor
Frames : Picture frames, custom framing,







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How do I handle collections and other open bad debts

i want to think you for all the advice you gave me with my credit report. Its been little over a year and i hired lexingtonlaw to monitor and dispute the items. its a little better but i could afford to keep them. how do i handle the collections and other open accounts i have on my credit report?
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dispute them
www.oskie.com/credit-dispute.htm
validate them
http://www.oskie.com/validate-collection-collections-account-removed-credit-report-completely.htm
then negotiate
http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

Advice on how to get my credit report better

I have been reading your blog recently and wanted some (non-legal) advice on how to get my credit report better. I have some old judgements from 2002-2003 and several medical collections (some duplicates) that are showing up. I have been paying cash instead of using my credit for several years now but would like to get back in the "game" asap. I do not want to file a bk to erase all this stuff considering the 7 year mark is approaching next year on the judgements. Can you make any suggestions on what I should do to get my scores and history strongly established asap.I plan on buying a car in a few months and a home in the next year/18 months, what can I do now to getthe ball rolling??
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Dispute the Duplicates http://www.oskie.com/credit-dispute.htm
Of course use your credit card that reports to a bureau or bureaus you can not file bankruptcy on past juudgments anyway....... you will want to have 3 lines of credit so if you can try to open more gas cards. credit cards
use them sparingly and pay them of each month
send in a downpayment to make sure you get approved
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So basically... Dispute the Derog Duplicates and open a handful of secured credit cards??
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Yes
one point would be to try and get one of those cards to raise your credit limit as much as possible some times lenders will turn you down if you do not have a STRONG history.
This can happen even i your credit score shows a 720+. Which sometimes it will and you will only have 2 lines of credit with a 500 and 300 high credit limit. Think about it. Why would someone lend 75000 dollars to a consumer who only has a high credit limit of 500.
They will call your credit file thin.
So try anything possible to get your credit limit on at least one line of credit as HIGH as possible.
This shows stability. Dispute the derogatory and hope for the best. If they have already been paid the chances are no very good that a creditor will take it off voluntarily
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Cool.. good point regarding the THIN credit profiile! I can only afford a couple of hundred dollars per secured card that I open, so I see the issues. How about adding myself as an Authorized User to beef up the history???
I know fico has made scoring adjustments but will doing so help out.
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They have deleted that aspect
but
it can never hurt to try
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Whoa.. I thought they just stopped scoring for it!
I will try to get a legitimate high score on my ownbut credit depth is what I am looking for with Auth. User.
am I wrong with this thinking?
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supposedly you are but try anyway
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List of letters to contact the credit agencies and Collections

i would like to start to repair my credit i would like to know if you have a list of letters and when to use them to contact the various credit agencies as well as the in debtors all you help will be most appreciated
respectfully yours
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http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm

Experian says they have already investigated and verified its accuracy

Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?

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send the dispute to to charter and the CA

Experian says they have already investigated and verified its accuracy

Thanks in advance.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 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 is
legally validate the debt
if they can do that
negotiate to pay if they will remove it you need to know if they have your signature and legal chain of ownership
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Experian says:"We have already investigated this information and credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, phone number, and address of the credit grantor who verified this information. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant info...." I do have the personal credit report I received and under "Credit Items" It gives me the name and address of AFNI, INC. (the collection agency) "No phone available" and "Original creditor: CHARTER COMMUNICATIONS" So it seems I should send out another registered dispute and specifically insist on this Signature and legal chain of ownership you made mention of so that I may present Experian with additional relevant info. Just who do I send this request to, AFNI or CHARTER? It also stands to reason that if AFNI had a legal claim they would have responded to the 1st registered letter. What do I do now?
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Capital One Credit Card account not reported to bureau

I have an account with Capital one I've had the account since Feburary 2, 2007 .Ive been told that the account was closed each time I try to get infomation I am put off ,because I know that it isnt been reported to your company or the other two (account number is
3243008-2001) I found out that it wasnt being reported when I tried to trade the car I was told that a bank would not help me because of that, Please help me soon.
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my name is bo majors
i operate a credit help webpage
i am not a bureau or capital one the only way to have something reported to a bureau
is through a creditor sucn as a credit card company
so you have to mediate through cap one

Use these credit cards to improve your credit score

How much will my credit score go up after inquiry falls off that is 2 years old

Does my Credit Score go up after an inquiry is removed from my Credit Report after two years?
P.S. I followed your advice to the letter from your website about raising my Credit Scores Fast and thanks to you my Credit Scores went up more than 100 points each! I am well on my way to purchaing my very first home!
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after 2 years?
probably nothing will change on your score.

Inquiries afftect your score almost none after 1 year anyway.

Get good credit cards for bad credit

Good credit cards for bad credit help you raise your credit score faster and with less liability than any other credit option I know of. I got my bad credit jump started to good credit by opening a credit card that had been charged off for 384 dollars in 1992.

The Total Visa will approve people with bad to VERY bad credit. Just pay back more than you charge each month and after 12 months your credit will take a big jump up the FICO good credit score ladder.

~ Instant on-line decision
~ Monthly reporting to all major credit bureaus
~ Free 24 hour online account access
~ Outstanding customer service

Another good credit card for people with Very Bad credit is the Continental Finance Credit Card.

Some useful tips and information on avoiding bankruptcy

When you are on the verge of filing bankruptcy and desperately want to avoid that, some other alternatives are there. In this article, you can get some tips and information with the help of which you can avoid bankruptcy.

If you are able to steer clear of filing bankruptcy, you must do it. This is essential because bankruptcy can badly influence your capacity for obtaining credit and loans for the coming 7-10 years. Following are some other alternatives worth considering and some tips to avoid bankruptcy.

Credit counseling

Once you lag behind on your payment schedule, you would easily become beleaguered. Although filing bankruptcy might appear as the simplest alternative, it might not be the most beneficial option. When you really wish to avoid filing bankruptcy, you can rather attempt credit counseling. A variety of credit counseling services is there to analyze your condition and offer you professional guidance to assist you in improving your financial status.

Debt consolidation

While you have become overextended by multiple bad debts, you might take into account obtaining a debt consolidation loan. By taking this loan, you can get the necessary money for consolidating all your debts into a single and reduced monthly payment. Subsequently, it would be easy for you to manage your bills and you can make a fresh start altogether.

Tips for avoiding bankruptcy

Besides credit counseling and debt consolidation, there are some other steps that you can take in order to avoid bankruptcy and they are the following:

1) Take an honest attempt to clear up your debts. A few creditors might be ready to receive a lower amount in comparison to the actual amount you owe.

2) Filing for bankruptcy does not come to you for free. It is essential that you conserve money for that or find an additional job. Think about utilizing the money that you already have and extra money that you can make to start repaying the bills as an alternative.

3) Try to economize. Save as much as you can and utilize that money to liquidate your debts gradually.

Foreclosure on my credit but my ex was supposed to pay

I need some advice. I divorced almost 4 years ago. I had a home that was to be put on the market and sold. My ex and I were to split the profits. About $15,000. each. for over a year it was on the market, he rented it out. This year he let it go into foreclousres. He said I won't get a dime from him anymore. "He also owes back alimony". Anyway, This is on my credit report. According to a judge, he was to sell it. How can I get this off my report or will I be able to? I need help.
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Probably notbut you can add a comment about the divorce decree.
You can sue the man for the lost monies due to his stupidness and non conformation to court mandates, the credit disruption and future cost associated, and the alimony. I would place a comment on the foreclosed account.50 words or less with a court number

Home of my dreams and I have a 540 score. Get Financed

I found the home of my dreams,,,, I have a good stable job, but my credit score is 540. The few lenders and brokers I have contacted, treat me like I have a disease because I don’t have a 800 credit score! I don’t believe that every person with a home has perfect credit ( give me a break! ) There has got to be someone out there who can help me (either up my score, or work with me with the score I have). I am willing to work on my credit score for a few months (I really want to move by Feb-March 2009)….
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Do you know everything that is on your credit report and why your score is a 540.
The good accounts
The bad accounts
Everything 540 is below a 640 is below a 740.
homes lenders do not need an 800 scorebut they do need something stable to hang on to. Someone is going to ask your potential lender why did you lend this person money. First you must also realize that going to regular banks that regualry lend regualr people money is not where you should go.
You are irregular.
Then lets talk about the home of you dreams.
Is it affordable for you.
Do you have a 20 percent downpayent.
Have you been on your current well paying job for more than 5 years.
Have you lived in your curent area for more than five years
Have you lived at your current address for more than 2 years.
Have you considered paying too much interest to buy the home of your dreams
Like going to wells fargo for a large interest loan....... well lets start here
what is on your report
bad good ugly

Collections agency pulled my credit before they posted a deliquency

I love your blog. It is so refreshing to get down to earth credit advice. My question is - I have some unapid medical bills. One of the collections agencies recently made an inquiry to my credit report before they posted a deliquency. Why do they do that?
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That is totally illegal
threaten suit and allow no respinse other than total removal they do this normally to find out new addresses
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Well the strange thing is that I have not been contacted by any of them. One of them did post a new credit ding for $800 for which I have no idea what it is and will be sending them a verification. The others I have heard nothing from and havent posted anything to my report. I am thinking the inquiries are hurting my score though since there are about 10 of them from different companies. When you say it't illegal should I dispute it with the bureaus or the company themselves?
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dispute it with the company themselves
and threaten suit if the account is not totally removed due to their illegal activity of pulling your credit report fishing for addresses

If you did not authorize the inquiries. This a is violation of the fair credit reporting act.Excersise you stautory rights

617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o] (a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in anamount equal to the sum ofJuly 30, 2004 63 (1) any actual damages sustained by the consumer as a result of the failure; and(2) in the case of any successful action to enforce any liability under this section, thecosts of the action together with reasonable attorney's fees as determined by thecourt.(b) Attorney's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faithor for purposes of harassment, the court shall award to the prevailing party attorney'sfees reasonable in relation to the work expended in responding to the pleading,motion, or other paper.§ 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p] An action to enforce any liability created under this title may be brought in anyappropriate United States district court, without regard to the amount in controversy, or inany other court of competent jurisdiction, not later than the earlier of (1) 2 years after thedate of discovery by the plaintiff of the violation that is the basis for such liability; or (2) 5years after the date on which the violation that is the basis for such liability occurs.

my 3 in 1 credit report has accounts I do not recognize.

I just got my 3-in-1 Credit Reports and Scores. I don't recognize half of the items on each one! Will it lower my Credit Score if I Dispute multiple items on my Credit Reports? Thank you,
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no i would dispute anything that is not familiar

What deos DOLA cannot overlap on collection accounts

I had a credit card back in 1992 that I stopped paying on. The credit report says: date assigned 6/7/2005 and date reported 9/19/08. How could these dates be so close to now instead of back in 1992 when I first defaulted on it? I think that this card should be removed from my credit report because it has been so long since I have had this account. Please explain.

What does this mean on your website? Collection dates cannot overlap the original creditor dates.
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a collection account which is different than the original account can not overlap on dates some times a collection account will overlap the dates and this is illegal

date reported should be the last time the account was reported to the bureauthis date should not be confused with the date of first deliquency which should signal the date the account should fall offorthe date for statutes of limitations.or the date for collections if sold to one. dates are a big deal in FCR Fair Cedit Reporting

Negotiate with collection agency

Hello, i have received my verification of debt from a collection agency, for a bank account that i own, what would be the next step.
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negotiate

Credit Fico beacon score is different at all three bureaus. WHY?

My credit score on TransU is 782, Experian 840, but on Equafax it's only 672. Why so much difference and how can I raise the Equifax FICO score?
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I would have to see the reports

I would assume the Equifax has somthing on it the others do not
proabably a brand new account, an overutilized credit card or a collection. Do you see in diferences in the reports?
or did you get a 3 in 1 report. it is best to have a report from each bureau then check each for differences when you have report that shows a much different score. the 782 and 840 are close but different enough to want to know.....100 points is a drastic difference though huh?

Question about unknown medical bills now in collection on my credit report

http://repairbadcreditreports.blogspot.com/2007/07/medical-bill-collection-unknown-inquiry.html

I was doing some research on the internet and i came across this post from last year. I had a question about unknown medical bills and I dont know where to get any other information from. Basically about 5-7 years ago I went to the ER, I am pertty sure I was still in High School for the first case, because I remember being out school...anyway my question is can the hospital send a bill to collections agency with out me ever reciving a bill and not knowing I owed anyone anymoney and its been over 5 years. what do i do?
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many times this is the only way for hospitals to collect. Many people move and they cannot send a proper bill to the proper place so they put it on the credit report. When ever that person wants credit the hospital gets paid. as far as age goes. you may have been younger than 18 and might get out of the bill on that accord. I would dispute the bills. Say they ae not yours and ask for validation the bills.

I am trying to get my credit report cleaned

Im trying to get my credit report cleaned, I have 3 medical bills on there that add up to $5300. I called the collection agency and they wanted me to pay it in full at first but I told them there was noway that I could do that. They said if i paid 250bux a month for the next 2 years then I will be paid off but that is even high for me to pay. I have a family and I couldnt even do 100 bux a month right now. Is there anything I can do that will help be get this done and over with? Thanks in advance
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how old is the bill?
is the collection company associated with the hospital?
are you in the same state
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Im sorry, the bills are from 2006. I dont think its part of the hospital, the name of the company is A1 collection agency and I live in New Jersey
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There is a very high likelyhood that the collection agency only paid 50 or less on the dollar
validate the bill with this form
follow up wih this validation form
then dispute the accounts with the bureaus using this dispute form then make them remove the account totally or
negotiate a lower payment of to about 50 cents on the dollar after all this
you might call the medical company? and ask them how much you owe?
see is you can make a deal or if they charged the account off. non of this is legal advice
and
non will work perfectly. but this is a good path
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Thank you again for the help, I have 1 more ?
Is it possible they can take money from my job or bank account?
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there is such a thing as garnishment
validate the debt by mail
bank account i doubt
they will tell you anything to get you to pay
they have to get a judgement to garnish wages
same thing with bank account

Court for a credit card debt that was not mine.

I had a credit card company take me to court for a credit card debt that was not mine back in May. In fact I have never even heard of this company . I actually won the case. The judge dismissed the case with prejudice. The problem is that it still shows on my credit report. I proved to the courts that this debt is not mine . So how do I now get it removed from my credit report. Thanks for you help
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dispute it by certified mail.
send copies of dismissal along with copies of your personal details and effects.