All 3 credit reports and scores

Hello Bo, I have ordered all 3 bureau reports and I have TU =596, EquiF =783 Exper= 541
from the credit bureaus and from Freecreditreport.com
I sent out my disputes for Experian and TU so they should be taking the old accounts off and other inaccuracies. When I went to apply for a loan they said I have no credit scores? The service was Credit Link, they say I have no Beacon, Fico or Empirica scores showing - Why? Any ideas why the CR
agencies have scored me but Citibank, WellsFargo and 5thThirdbank for a mortgage do not see a score for me?
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i cannot answer that question
all i know is you might not have any current rated credit

Re age credit card loan.

How effective is it to ask a credit card company to re-age your loan? Does it work? How fast will your credit score improve? Also I have a collection account that was paid to the original creditor but however the collection account updated and did not remove from my credit report. Although the original creditor explained to them to remove this letter. What is the next step?
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dispute the second collection. as you paid the orignal creditor
say not your account never heard of re aging a credit card loan
what do you mean
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Re-aging the credit card balance…the creditor
wiping away the late payments agreeing to a payment arrangement and allowing you to start fresh.
Will paying all credit balances to zero improve your score rapidly? If not how long does it normally take to get points back?
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this would be the fastest way
YES
one year later and some new current credit....your score would jump
everything is paid off and you have new credit
the reaging thing/\....
i do not know about that
seems strange
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OK, THANKS
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the reaging thing sounds good
Try that also. I cannot hurt.

Does your credit score go down when you apply for a credit card

Does your score go down when you apply for an credit card. Im trying to rebuild my credit and I have one credit card Orchard Bank the limit is 300 dollars so do I pay 290 on it and leave the 10 dollars as the remaining balance how much lower could I pay on an balance of 300 for an score increase. Also I had an credit card by first premier that was closed and I owe 470 do I write then an letter like you have on your webpage or do I go ahead and call them and see what they say. I want to reopen with them again
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When you apply, you get an inquiry. Inquiries reduce your score by 1 - 6 points. So no.
Pay the cedit card off, completely and add more money to it to get a higher credit limit. ]
300 is considered and thin credit record.
Thickin the file by maying more than you charge to raise your limit.
Call first premier and reopen that account. Pay that one off and add to it like above.

I have been offered a settlement. Should I take it or not

Ive been offered a settlement amount for a store card that is 85 days passed due. The bal owed is 1600.00 ruffly there offering me 1100 but will show legally settled for lesser amount and this was offered in a letter that they sent to me. Should I settle or wait until I could pay the full amount which by that time could be hundreds more I have to get back to them by the 17th of this month any information would really help.
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cost less
i would do cost less
your credit already has taken a hit
settlement does not change this fact much
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I was denied a mortgage because of a past collection

I recently got my credit report and saw derogatory information on it. I contacted the collection agencies (4) to be exact. These were not for substancial amounts of money but they were for accounts from a couple of years ago. I agreed to settle these debts and I am doing so as I write this. I am wondering if it is possible for me to get these collection accounts and derogatory statements off of my credit report in a timely fashion? Is there any type of letters that I can write (if you know of samples that would be great) and to who? I recently applied for a mortgage and because of these derogatorys I was denied. Any help will be greatly appreciated. I heard something about a deletion letter but what to write and to who I dont know. Also I had a bankruptcy 8 years ago and I asked verbally to the credit bueraus to have this removed but they gave the usual answer to me. Not for 10 years.I will anxiously await your email
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you should negotiate with the collection before you pay them. Ask them what you asked me. Can I get them removed. Some will some will not. NON will after you pay them. BUT if you pay them and wait a year or so, then you might dispute them and they might fall off. you just dispute the bk with the dispute form and hope
10 years is right on bk's in most states.
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How can I go about getting these Derogatorys removed along with the Bankrupcty? What type of letter should I write and whom should I send it to? Also do you know where I can obtain a sample copy of the letter I need to write?
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you cant just magically have these removed
you have to work and negotiate
i sent you a link with a good negotiation approach
you send it to bad accounts on your credit
there is no perfect answer or letter
re establish new good credit
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I have 22 inquiries on my report. How do I remove them

how can i get the inquiries off my credit report?
for each one aint that about 6 or 7 points for each one?
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not if the inquiry was for the same thing
if you inquired about the same loan 5 times. that would be about 6 points for all 5
any inquiries over one year old do not really count at all
so can you give more info as too how many and how old and what for.
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i have 22 inquiries from 10/31/06 to 6/5/08
i have my car purchase on there and a few credit cards i applied for but rest i dont know what they are.
thanks
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so you have your report from the bureaus
and you do not know what thise inquiries areand the addresses on thew inquiries are not yours
http://www.oskie.com.credit-dispute.htm/
say not yours
someone is defrauding me they are your addresses you just dont know or care or remember
say the same thing and hope you get lucky most bureaus look down on inquiry disoputes
so not your address really works best
even if you moved
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ok,i have 1 more question,i have things on report from like 2001 some good ,some bad .should i try to have them removed?
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dispute them as not YOURS
hope and pray
many older acounts get less attention
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trying to get an address, even a phone number where someone will answer

I have tried, since May, 2008, to get any response from the collection agency ALLIANCEONE INC. I have been trying to get an address, even a phone number where someone will answer, return my call or even send a response letter, anything…to be able to pay off a collection debt that was discovered when I received a copy of my credit report(s). I discovered a phone number/address for ALLIANCEONE INC., in Vancouver, WA, at 1200 Franklin. This turned out to be the city’s Court House. We’ve tried for months to get any response, find a phone number where someone will answer or even return my call, or get a current address of where to send the pay off for a credit report debt. Can you help? I live in Longview, WA, and need a local (NW states) address and phone number for ALLIANCEONE INC.
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heck
dispute that account with the three bureaus
check NOT MY ACCOUNT then you will get a response
OR
better yet it will fall off

Improving my credit and my husbands credit.

I am in desperate need of improving mine and my husbands credit score. Could you please give me a little direction on what I should include in any dispute letters and what i need to include to show that we have paid off most of the debts and would like them removed? Also, do you know whether i should send to all three credit bureaus or just transunion? I am very young and need a lot of advice. If you have time I would grealty appreciate any advice you can offer.

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I would just dispute them as paid

send copies of your drivers license and utility bill for indentity proof.

if you have documents you can make copies and send them with the disputes.

If the accounts are only on transunion.

That is the only place you should send the disputes.

I assume you have looked at all three reports
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validation letter and have not heard from the companies at all

I have contacted you in the past in regards to my credit. I did a validation letter and have not heard from the companies at all. I am now doing my Debt Validation Follow up. Once this is done I contact the BBB, State consumer affairs, state attorney general, take them to court.
How long before I do those things and do I contact every one of them and how do I still get this off my credit report when this is all done? I have no problem paying them but I want better credit also and they are killing me with the negative parts of this.
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Have you disputed these accounts also
If they do not answer. Usually you can dispute them with the bureaus and they will fall right off.
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I have not disputed these yet. Do I send them all the information I have sent the companies? Also the link you sent didn't work.
Thank you again for all your help. I am sure I will be back for future issues. But you have been a great help
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www.oskie.com/credit-dispute.htm
Just read instructions and check no mine. dispute with the bureaus only for now.
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Okay will be doing that today then.
If these come back from BBB with a response then what is my next process. I have been on top of this and want to keep the process going. Thanks again you have been a lot of help.
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from the bureaus
http://www.oskie.com/transunion.htm
the addresses are on the form not the bbb see what happens
then maybe file a complaint

Authorized user getting collection on my husbands account

My husband added my name as a joint or authorized user on an acct. without my knowledge or consent and then at some point he let the acct go to into collections. Now this is reported on my credit report. Is there any way I can have this removed from my credit report?
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I do not have a perfect answer
I would dispute the account as not mine with the bureaus then dispute them with the collection companies then validate the collections looking for your signature
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I have already filed a dispute with all three bureaus and am hoping for a positive outcome. However I contacted the lender today and they said that I was just as libel for this acct. even though I never signed for this credit card. Again I didn’t have a card for this acct. or access to the monies from it. It is my contention that both parties should have to sign if they are equally libel. If I go to my local bank and apply for access to 5000.00 dollars and I became delinquent they would not report my negative payment history on my husbands credit unless he signed to make it a joint loan. I have also looked into filing a complaint with the OCC who investigate practices by national banks. Do you think I should hold up on filing a complaint with them until I see if the bank responds to the dispute.
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I would wait and see
but if you called ... i would expect it to be verified... I do not know the law here.... try this place
see what they say...
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I am a divorcee of two years. Right after the divorce,

I am a divorcee of two years. Right after the divorce, my ex bought up a new car and other things on his own. He then filed for Bankrupty 3 or 4 four months later. I got a CC in my name(right before divorce) in my married name not maiden, because the divorce wasn't final. Now I go to change it over to my maiden name and a balance xfer, I get a letter stating that my Int rate is goin up to 24% The CC co said it was becuse of my EX's Bankruptcy. HOW DOES HIS BANKRUPTCY AFTER OUR DIVORCE AFFECT MY CREDIT?
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credit card companies have crazy rules
since the divorce was no through? sounds like a credit card compnay to me
All I can say is try to open another account with another card
then transfer the balance.
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Should I pay American Express or the collection CA

My charged-off account is with American Express; I owe $1,074 and can pay it in full. I have received letters from a CA willing to settle for $700. My Credit report lists only Amex. I was planning to reopen the account to replace the bad credit by paying in full. Would it report the same if I just settle with the CA for $700 and find an alternative source of credit (like Old Orchard). I spoke with Amex and inquired about any good will policy that could be implemented with payment in full – they referred me to their credit department (which I haven’t contacted yet). Since this will fall off in 2009, I want to avoid any re-dating by Amex, but I would also like to take care of my obligations.
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It would be better to do business with amex
they will blackball you forever if you do not pay them no matter what your report says
and
you can get new good credit with them.
bypass the ca, but ask amex about the ca and if you pay will the ca go away
get something in writing, on business letter head before you pay
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Bk discharged in January 2001 but still on my credit report 7 years later

I filed BK (chapt 7) and it was discharged in January 2001. Is there any reason why it would still be on my credit report? I thought these fell off after 7 years. And if I am incorrect with my assumption is there anything that I can do to get those credit card debits that say “included in bankruptcy” off of my report?
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I am pretty sure bankruptcy shows for 10 years.
Matter of law.
The accounts included in BK should be off.
Dispute them all and say reported incorrectly. BK discharged Jan 01
Include a copy of your discharge papers.
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New collections found on my Equifax Score Watch report and score

I'm coming to you b/c you helped me once before and I was able to get 3 medical collections off my account and of course my credit score has been building ever since. 2 years and I'm very proud of my score. I watch my credit report monthly and even sign up for alerts and this morning one just came in about a collections. It's with Oxford Collection Agency. I don't know anything about this and never rec'v anything from them. It doesn't show what creditor they are assoc. with and if they are assoc. with a creditor, it has to be a very aged acct b/c everything past my college years are current.
1. How do I find out what old credit account this is w/o getting balled up in their fraud attempts to collect?
2. Isn't there something I can doing in regards to the statutes of time or something like that?
3. It's obvious they don't have my home phone number or house address so if I send them a letter I surely don't want to help them harrass me; should I go through an attorney? I just want to make sure my credit remain clean and definitely not be affected by old debt.
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I would dispute the account with the bureaus as "not mine" remove from my report.
then if the account comes back verified.
use the address and account information to validate the debt legally.
then follow up validation
You do not know how many years it has been on the account until you dispute it and get moe information.
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On my credit watch with Equifax I can do an online dispute, would you say this is wise or it may get hairy as well; I don't know what company this is with. It has to be ancient! I just hate this unknown collections has come up on my report.
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you want to dispute with whatever bureau the account is on
sometimes the account is on all three
but if you wish to dispute with equifax online. by all means do it. but make sure it is not on the other bureaus also i like to mail disputes myself
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Actually b/c this collections places something new on my report, I was able to pull a new report and see more details. It's showing something w/ Lab corp. a medical billing issue. Which is what I'm experienced w/ handling... thanks to you! Anyway, I contact Lab corp this morning and they are not showing any bills for me; then I noticed the collections said 1st report was Jan '04 and passed over in 2006. At any rate she said I will need to find an acct. number from the agency so she can do some research, but the amt. the debt is $98 sounds familiar to me but was paid so I'm contacting Bank of america to try and get a copy of payment. I think I'm going to be fine. Again, I have not rec'v any bill notices, which is strange for a collections to pop up w/o a letter. right?
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depends on wheather or not you have the same address as 2004 i guess.
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ok, this is really getting weird! I have spoken w/ Lab Corp 3 times today and also Oxford, neither show me but the oddest thing and I know an error on my part was when I called Oxford they couldn't locate anything under my name; then they asked for my ss#; he said he didn't see anything under that either; asked for my number I told him I don't like to give this out, he said it's his search method; then said he didn't see anything and maybe they had sold my acct to someone; when I called Lab corp afterwards they asked for my last 4 digits, which after I thought about it is the norm; Could I have just given Oxford something to validate an old bill? I told Labcorp if I owe something I had no problem paying, I just have not rec'v any information from them or credit agency. Do you know if I can have this removed, if I did in fact owed them but the address they had on file was incorrect and I never rec'v it? Thanks again for your help! by the way....I have equifax investigating now.
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just dispute the bill at all three bureaus
they cant find it
neither can the bureaus
it is that simple
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I am not sure how I can fix my credit score. Paid Collection cell phone court

Im not sure how I can fix my credit score. I currently have paid off all my bills and collection fees. Really the only thing I haven't paid for was a few cell phones that I naiively opened under my name. I am now having to take these people to court. I paid everything off but I saw no changes in my score. I was denied cable and cell phone service. But have my power, water, gas, and rent all under my name with no problem. I don't understand, seeing that I just paid all these bills off after the fact? Help, any advice would be greatly appreciated.
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BECAUSE
paying off collections is not good credit....... you have to have good current credit
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm
I must have at least 3 reported credit lines or personal loans 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. it is that simple
you have no good rated lines of reported good credit
all you have done is paid off collections.paid off collections is just that. paid off bad credit. get new good credit use this
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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Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.

How much do paid collection over 12 months and 24 months hurt your credit scor

I have two collection accounts($268 phone bill and $58 insurance bill) that will be still listed on my report when I apply for a home loan next year. They have been paid in full. The newest one will be about 14 months old paid and the other one will be just outside of the 24 months paid time frame you always mention in your blogs. Each collection account is approximately how many points off of your credit score? I know it depends on the age of the account. 10 to 50, 50 to 100, 100-250 points? What are the deciding factors? You said outside of 24 months very few points but what about less than the 24 month period.
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i would say about 25 points for one paid collection that is more than 12 months old
if it were less than 12 months and unpaid probably 50 points this is assuming a lot though assuming you have several lines of credit that are less than 79 balance to high credit ratio
and all are more than 12 months old.
and your score is higher than 600 if ones score is less than 600 it would not hurt your score much
there is really no absolute definition to your question. plus i cannot read your report
if i could look at it i might be of more help
each report is unique
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Need to get new good credit but I get turned down

I am 21 years old and I am now starting to understand how the whole credit thing plays into "the real world" I have two chargeoffs that are paid in full and my credit score is a 548, how can I go about rebuilding my credit. I am looking to buy a house in the next two years, my fiancé however has excellent credit, but I want to rebuild mine just to have better credit. HELP please!!!
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http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm
get a gas credit card no matter whatpay and upfront fee to get started.
or get a the applied visa with an upfront fee
takes 1 yr and your score will go up
IF
all your past bad debts are paid off
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like a secured visa, one you have to deposit money into?
Ive tried to get a gas card and I was denied.
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yes
BUT
you have to make sure they report to a bureau
the applied visa will do it AND those cards that turned you down will do it
IF
you send a deposit in with your application
read the link and see what i did with bp oil
http://www.oskie.com/bad-credit-no-credit-secured-cards.htm
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I went to appliedbank .com is that the right place to go?
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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

Credit for you. Student loans 120 days late and credit cards not reported to Experian

Hey there, just happened to stumble upon your website and read your story. I am in a similar situation now (at least I did not think i was) but let me tell you a brief synopsis about myself:
- Credit for 11+ years- Married- Have not been late on any payments for several years- Some inaccuracies on Experian report I need to square up- $0 credit card debt balances all have been paid in full and still open (4 total)
Here's my problem....
1.) I have been great at paying on time for year, but around 5-6 years ago I had student loans that I was not even aware of which went into default 120+ past days due several times. Since then I have never missed a payment. They are government lenders for Student Loans and wondering if it's possible to negotiate with them at this point because I keep paying and the balance goes nowhere!
2.) I have 2 joint Credit Card accounts with my wife in both of our names and both are missing from my report, including a huge mortgage we paid off since we sold our property last month. I couldn't believe it wasn't on the report.
I have to say when I opened up my score from Experian at 606 I was shocked. We make good money, never miss any payments for the last several years now but feel like I have been ripped off and now can't even think about applying for a mortgage at this point unless I get the score back up and feel totally helpless.
Any help or insight would be tremendous ~
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i would ask the student loan folks about the one time forgiveness plan they have on loans

you may not qualify and it you may not be able to change your past lates
but I do know they have a forgiveness program. I am not sure about details at all
just call them and ask them

your credit cards and mortgage may have been reported to the other two bureaus or just one of the other two bureaus
or none may have been reported at all
always get your report from all three bureaus

who was your mortgage with
who were your cards with. what bank AND were they a visa, master card, or american express? here again.
i would call the banks and ask if they reported
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Thank you for the reply. I will call the school loan folks and see if I can help myself first. Is it possible to settle for less with same lender and not have that show up on your report as being "settled or less"?
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not really
if you settle for less, why would someone say you paid in fullunless, they are desperate for your money and, you are a good negotiator
i would not plan on that happening.
it is good to get, the date of last activity and zero balance marked in stone though.
after 2 yrs, the settled for less becomes meaningless if you have good current rated credit and, the account shows zero balance
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I got divorced and court odered ex wife to pay van and cards

I got divorced a year ago. The judge said in the divorce decree that my ex wife was responsible for the credit cards and the van and I am to be held harmless. Well she filed bankruptcy and the van was repossesed. I am afraid they will come after me but they took the van and sold it and have not yet contatced me. That being the case if I am responsible then why didnt i get notified with a chance to pay for the van? And if not a judge said I wasnt responsible can he turn right around and hold me liable after the fact ?
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credit and law have little to do with each other. The van folks use the address on the note. They probably do not even know where you are to contact you.
even if a judge decreed something, you can still get hurt with your credit. All you could do would be sue your ex for the money legally. This will not help your credit nor stop the van folks from coming after you.
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Bad Credit good credit

I have bad credit over 7 years old on my credit report. Most of this credit my exhusband opened in my name. I have tried to dispute and have had some taken off but not much. Isn't it supposed to come off in 7 years and if so how do I go about telling them to take it off because it is longer than 7 years? I also have tax leins from my exhusband's business on my credit report. Just a couple months ago I got my yearly free credit report and they are showing that they are paid (he must have paid them off) but I want them removed because they are not mine! I have been trying to get credit to help raise my credit so that my current husband and I can buy a house because it is the perfect time but I can not get anything. They say there is to much bad credit and not enough good credit. Well, no one will give me credit so how am I supposed to have good credit. Please could you help with some tips of ideas. Thanks so much for your time.
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http://www.oskie.com/credit-repair-negotiate-with-creditors-remove-delete-bad-credit-collections-charge-offs.htm

get a gas credit card
pay up front
tax leins? paid 7 yrs?
If it has to be 7 yrs since DOLA date of last activity not date you opened account I would validate legally all the debtsIf they do not have your signature....it is not legal

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

http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
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