OK - One more - also not personally used, also supposed to get you "25% off at checkout" on the MyFico site...

Save 25% on all myFICO purchases.
Use coupon code: MW01

(that's capital M as in "Mad" and capital "W" as in "Woman", Zero, One...)

-notyour

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So if I have something on my credit that really is mine, but the company can't provide me information on it and say that I am not in their system by account number, address or social sec #, how would I dispute that? What would be the reason?

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Most creditors will have something incorrect in their account shown on the credit report.You can dispute any incorrect information per your rights under the Fcra.

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__________________
Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

Does anyone have the backdoor for Transunion?

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uggghhhh never mind, I started reading on the second page rather than the first and now think I found it on the first ... If I'm wrong though, please post it!
Thanks!

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Is Innovis no more, or is the link just wrong?

http://innovis.com/customer_assistance.htm

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Just now, if I dropped the "details" and simply entered
innovis(dot)com
I got taken to a site, offering credit reports and such...

-notyour

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it is a real credit reporting agency?

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What should I write in the letter to remove late payments. This goes to the original creditor but...will they remove it? Some late payments are old and some are present. I'm really trying hard not to pay late anymore (over 30 days). I just need my credit repaired so I can buy a house...help
Late girl

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You have to ask them to remove the whole trade line from the report.. They just can't remove the reported late payments according to the FCRA Rules..

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Sometimes it seems like 'we' get so wrapped up and sressed about debt and low scores, 'we' think we CAN'T fix the problem. Ya know? I know there is alot of advice on this forum, and I thank everyone for that.

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I sure have learned a lot and the biggest benefit is that I have become more aware of credit and it's problems

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I do have auestion....................if you try to validate a debt with a CA, and they can't validate it, what is the best approach to dispute this with the CB's?

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Dispute with the CRA's with something other than "not mine". If the CA verifies with the CRA's before providing validation to you, then they have violated. If you do a search for "the 1-2 punch", that should answer any other questions you might have.

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i got so much debt can someone give me advice?

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I found a 42.00 collection on my credit report and paid it immediately. It was a medical bill that was processed under an incorrect ss# causing confusion about payment. Is there any way that I can get it removed from my credit report? I have never been late on any payments. I have talked to the hospitals billing department, the collection agency and the credit report agency, and they all say there is nothing they can do. I just do not believe that!

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