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,
--------------------
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.
-----------------------------

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.
-------------------------
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?
\-------------------
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?
------------------------
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
---------------------------
how old is the bill?
is the collection company associated with the hospital?
are you in the same state
----------------------
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
--------------------------
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
-----------------------------
Thank you again for the help, I have 1 more ?
Is it possible they can take money from my job or bank account?
--------
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
----------------------
dispute it by certified mail.
send copies of dismissal along with copies of your personal details and effects.

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?
------------------
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?
---------------------
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
--------------------
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?
--------------------
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
------------
OK, THANKS
------------
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
-------------------
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.
-----------------------------
cost less
i would do cost less
your credit already has taken a hit
settlement does not change this fact much
--------------------------

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
-----------------------------
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.
--------------------------------
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?
----------------------------------
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
-------------

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?
--------------------
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.
-------------------------
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
-----------------------
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
------------------------
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?
--------------------
dispute them as not YOURS
hope and pray
many older acounts get less attention
-----------------------

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

----------------------

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
-------------------------

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.
---------------------------
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.
------------------------
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
----------------------
www.oskie.com/credit-dispute.htm
Just read instructions and check no mine. dispute with the bureaus only for now.
--------------------
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.
--------------------------
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?
----------------------
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
--------------------
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.
-------------------------
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...
----------------------

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?
-----------------------------
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.
---------------------------

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

Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.
------------------------------

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?
------------------------------
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.
----------------------------
Instant Free Credit Score Fix 1 problem online for free today. I use this one. $29.95 a month or cancel in less than 30 days and it's free.
Get legal credit repair Credit lawyers help dispute and get better credit.
Credit Cards for bad credit or no credit.
Debt Consultation for battling large debt loads, divorce or job loss.
-----------------------