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

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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
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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

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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

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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
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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.

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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
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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.

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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.

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If I dispute myself it will work. I have some paid items that has been late but still on my credit report.

RP
Hey is this credit thing really true. If I dispute myself it will work. I have some paid items that has been late but still on my credit report. How do I handle this?

Bo
yes it will work update or correct errors with the free dispute form

RP
WHAT ABOUT OLD PAY OFF THAT WAS ONCE LATE SINCE 1996 BUT PAID

Bo
that is 9 years ago
the account should be off if you paid it of before 98
7 years unless it is a law deal

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an account was settled-is that a bad mark that will lower your credit score

Quoting Real Person>:
If you have on your credit report that an account was settled-is that a bad mark that will lower your credit score? Also the information I read on your site was very helpful.
Thanks,
NJ
---------------
Yes it usually is. It says beside how they rank your activity r or i 1-9 9 being bad and 1 being good. r = revovling credit like credit cards. I = installment loans like cars and houses.
settlements mean your account was not paid in full as agreed but usually do change your outstanding balance to 0. For the most part i think and no one knows for sure that a settelment out weighs a 0 balance thus maiking your score lower. how much? I would venture only a guess of up to 40 points on a perfect credit report and as low as 10 on a really bad report.
All guesses.
931-455-0660 w
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How are you..... I'm trying to prepare to buy a home ,but my credit score I'm thinking is to low ......its 633 Equifax, 642 Trans union and 661 Experian I got these from a credit report Bank of America did for me from a company called PrivacySource.This repot also shows credit report keys, credit report details,and credit report disputes so pretty extensive as you can see.I have a bankruptcy that I'm hoping will automatically fall off my credit in Oct. 05 it will have been 10 years by than.Will it drop off automatically? IS THE DISHCARGE DATE 10 YEARS AGO? yES NOT 10 YEARS FROM DISHCARGE NO I also have a couple of Medical delinquency that I'm trying to figure out how to handle.I'm not even sure I owe this money.If I do does these types of delinquencies lower my Score? Should I try and contact them to make a arrangement to pay them ABOLUTLEY.....should I ask them to please consider to dismiss the charges? I truly can not afford to pay them if they are mine. Every dollar I'm making is going towards trying to prepare to buy a home meaning the down payment and things like that. I really need some guidance I'm a 43 year old single guy living in my Fathers basement I lost my mother a few years ago to lung cancer and its just time to make a move. The bankruptcy was a major Mistake its been so crippling , but its been ten years now and I'm pretty sure I make enough money to invest in a home (48,000 a year). I've paid down my credit cards I had 4 a year ago and now I only have two with a balance of like 1,000 between the two. MUST HAVE OPEN CREDIT AT ALL TIMES TO HAVE A SCORE. NO OPEN CREDIT IN THE LAST 2 YEARS? NO SCORE. I realized I made a error by closing all 4 of them last year after doing some research this is why I really need help I just don't know what I'm doing.I don't have that much debt really just things like a car payment which is in my dads name ( cosigner) I did it that way to get a better interest rate the payment is $450 a month.I'm hopping to find another car that cost less to cut that payment in half after the bankruptcy falls off my credit report this Oct. I figure I could than go car shopping for a cost of about 10,000 for the car so my payment would only be $225-> $250 a month. Does that sound like the right game plan there? so I can free up more monthly income for my mortgage payment.The other debt is cable bill, cell phone, car Insurance. Things like that. Thank you so much for taking the time to read this and any suggestions you could offer me or direction or any advice I would greatly appreciate. THOSE SOUND LIKE UTILITIES THAT VERY RARELY WORK WITH YOU. PAY THINGS OFF. ASK FOR HELP AND BEG.
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If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.

You hit it pretty much on the spot.
Please line up disgruntled taxpayers for a class action lawsuit.

If the CRAs cannot explain the score, or will not change with written proof, only a lawsuit will suffice.
Took 5 years to beat Fleet thru Midland Credit Management in Palm Beach County and get attorney fees-can check it on line.
Bankruptcy reported by Citi was wrong, and they do not respond to 5 letters and reported to CRAs.
Cannot get any response from CRAs and they are all different on reports.
Need to get rid of FTC-bunch of lazy ass-holes-waiting to retire on my labor.
You are aggressive and need to review these cases-money is there.
Have a lawyer here and would like to discuss with you.
Thanks,
Real Person
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What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible!

Quoting sandra REAL PERSON>:
Hi Bo,
I just happened to find your site from Google and I would like to say it's really imformative! Recently, I have been trying to refinance my home and get what they call a 'cash-out' and I applied through the company that holds my mortgage. They turned me down due to too many 'hits' on my credit history. I don't understand why this is such a detriment on a person's credit and I know there is no way to change the rule or law but it really makes me upset. In fact, it's so bad that those 'hits' remain for 12 months or more.
What I really want to talk about here is the fact that attempting to contact Equifax and Experian by phone is nearly impossible! I was able to contact Experian by telephone after sitting on the phone for about an hour, being re-routed numerous times and after calling about three or four different numbers. I was able to dispute many errors I found on my credit report that I had no idea was there. In my personal information section, they had about ten
different names for me, all of them incorrect, my birthdate was wrong, there were several addresses that were incorrect and even my drivers license number was wrong.
Contacting Equifax is a completely different story. I stupidly signed up for their $9.95 a month credit report but had intentions of terminating it before the thirty day offer was up. Well, here is the problem....
It's really easy to sign up and REAL easy to enter your credit card
information so they can take your money but it's impossible to terminate your transaction! I searched and searched the site for the link to terminate my transaction, I'm STILL searching, I am searching for a way to contact Equifax and unless I am going blind, I cannot find the feature to end my membership. By the time I
send a letter by snail mail, Equifax will have sucked another nine dollars from my account.
If you know of any way for me to terminate my subscription with Equifax,
PLEASE let me know!!!

Thank you and I will add your site to my favorites.
-----------------------

if i dont use credit cards...but they have no balance remaining, is it better to leave them open

Quoting real Person>:
I was on your website trying to find tips...i was wondering.. if i dont use credit cards...but they have no balance remaining, is it better to leave them open, and just not use them..or the close them?
Thanks
Real Person

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Settlements with creditors. Will these help my credit score

Quoting Real Person>:

My credit report says that I am about $1,300.00 in debt. I want to settle with the people that I owe, but with all the other bills I have it's kinda hard paying the full amount. My question is, do you think that the creditors will accept a reasonable settlement because I'm unable to pay the full amount? For instance, 1 company I owe $140.00, do you think they will accept $100.00 as payment in full? If so, is there a form letter for something like this. Please
give me any help that you can. I want to buy a house and my credit score is 600.
Thanks.


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The convoluted web of making contact has made it an impossible task for me to find fax numbers

Hello Bo, I am RP, I live in DC and I am an engineer, going about to get some information cleaned from my report - that I never knew existed. I found it admirable that you took the step to list and help with this information. Your website was also very very informative. I am writing to ask if you could provide me with some additional information. The convoluted web of making contact has made it an impossible task for me to find fax numbers and such. I have papers with proof, letters of apology/recalls etc from the company in some cases the company reporting cant even find reference to their record.
Could you send me information on their fax numbers and contact emails, where they can't ignore my documents, and whom would I contact, hoping this will cut my time in following the trail. Also in your opinion what was the fastest and most effective way to get the items resolved. Also any suggestions on what to do to keep them/organization from doing the same stuff ever again.
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use certified mail
sent it 3 day if your in a hurry
forget the fax
it is not worth the trouble and mail is more secure
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RP
Will give that a shot. Thanks again Bo.
When I got my report I had 6 rated at R and U9, needless to say I was shocked, and moved very quickly. I got 4 of them resolved; the Companies have all sent me either apology letters or correcting the error and sending me a report to that effect. However, I am facing a problem with ATT cable and ATT wireless; both are now owned by other companies like Comcast cable and Cingular Wireless. I have paperwork, for the both of them, but it has been impossible to get any form of resolution because I get shuffled back and forth between the credit agency and the companies. Any clues on that. I wrote them numerous emails, called them so many times, the facts
in their system even reflect my statement, but they simply refuse to
issue me a letter or a point of contact to deal with.
What can I do in this situation?

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when a company is "bought out", so are the debts and assets.
your debt or assest or mistake was passed along then put into like a
mass grave site. Many of these items will come right off with a dispute form.
I'd try the dispute form then see what happens.
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When you say a dispute form I am assuming the PDF/word document you put together on your website.
Also I looked into the 3 in 1 credit service at credit.com you listed, does interacting with them and furnishing paperwork to them, mean they can fix this directly as in they have direct access to the database and such. At some point, if your website allows for it, I would also like to contribute to your website anonymously, but have nowhere the same depth as you do. Also did the credit bureaus try to get you to take any off the stuff down... it was so hard trying to find information on the stuff.
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