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#1
03-01-2007, 10:03 AM
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Interesting Things and Other Tips in Fixing Credit
I will be posting links and other stuff I find during
my research for the latest and greatest info on how to fix the mess on Credit reports. Cajunbulldog :mrgreen: 
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#2
03-01-2007, 10:18 AM
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Ok here is the first step.To assess the damage we have done,you need a copy of your credit report.
www.annualcreditreport.com You are allowed one copy of each annually. If you have applied for a job,insurance,or credit and were denied based on your report,you have the right to receive an updated report from whichever bureau they pulled. You have 60 days to do this from denial. Cajunbulldog
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#3
03-01-2007, 10:21 AM
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:cry: :shock: Now if you want a baseline score to
start off with,you would go to www.myfico.com. Please try not to get too depressed.If it is in the crapp@@,it can still be fixed.
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#4
03-01-2007, 10:44 AM
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Ok, hopefully we have managed to pull ourselves out
of depression by now or we even may even have a blasting hangover. :lol: Next urls are the online links to do disputes. I have seen a mixed result with online.It has worked ok for me but I did not have any bad things to dispute only excess inquiries :shock: and ancient addresses. 1.Experian: https://www.experian.com/consumer/ca...E&channel=8348 Put your report# from your free report in and it will bring you to report.(Note-If you go to this shortcut you can get a updated report daily for free) 2.Equifax: https://www.econsumer.equifax.com/co...=investigation 3. Transunion: http://annualcreditreport.transunion.../disputeonline If online isn't working out for you,there should be addresses on report to send in written dispute.If you go written,I would send it certified return receipt.
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#5
03-01-2007, 10:52 AM
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Ok,
before I swamp you in all this info I will let you digest this info first. Tips for disputing with bureaus. 1. Never dispute a tradeline that is positive,they have a bad habit of being deleted. Best bet to remove lates is to write a letter to the original creditor. 2. Never dispute as not mine. This is a wasted dispute because of eoscar. This is a database that links data furnishers with the bureaus.A not mine is validated with just a name and address most of the time. If account is truely not yours,we would do an identity theft dispute. 3. When disputing a tradeline be specific. For example, look at account status,account type,account open date,account close date,balance,etc.By being specific you are forcing bureau and data furnisher to do a real investigation to correct this item. Peace for now.Will be adding more later. Cajunbulldog
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#6
03-01-2007, 11:04 AM
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This is a good topic to start on credit repair. Thanks Cajun for your creative thoughts and putting all info in one place. Some good tips were discussed in the link below few days back. I thought of adding it here.
http://www.debtconsolidationcare.com...bout22123.html I will write a post on this topic and put it here in the evening. I will be happy to add on a few points. Link corrected at user's request - Mike
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#7
03-01-2007, 06:02 PM
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Here is a url to get your copy of either chexsystems or
scan report.(checking account database) consumerdebit.com/consumerinfo/us/en/freereport.htm
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#8
03-01-2007, 06:04 PM
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Thanks Cajun, b/c I need to fix alot of mess on my credit reports
__________________
BROWNSUGAR!!
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#9
03-01-2007, 06:07 PM
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Here is a url to get your disclosure from lexis-nexis.
These guys are the ones that find and report public records to the credit bureaus. lexisnexis.com/terms/privacy/data/obtain.asp
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#10
03-01-2007, 06:10 PM
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Brownsugar,
Everyone start somewhere.Review and learn the fair credit reporting act in this board.It is a long dusty old law,but it can be a very good friend when you start looking at those reports.
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#11
03-01-2007, 06:13 PM
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Thanks
__________________
BROWNSUGAR!!
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#12
03-01-2007, 06:18 PM
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No problem,
I have seen people coming out of bankruptcy getting credit. Bad credit sux,but just keep in your head that when you are down there that the only way to go is up.
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#13
03-01-2007, 07:15 PM
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Thanks cajun for your hard work. This will benefit everyone. I have been cleaning up our credit reports and I have all the charge offs replaced with paid in full which helped our score tremendously. We have one payday loan place that reported on hubby report and I am in the process of disputing it now, because I have a paid in full letter from them. Yep, you guessed it, United Cash Loans. They violated about every state law in Tennessee. I am fed up with them. I filed yet another complaint against them with AG for them reporting false information.
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#15
03-02-2007, 04:58 AM
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sakkarii,you are correct.I had not gotten around to posting discount codes yet.
Tammy,if bureau is giving you problems then a stongly worded letter to both the bureau and data furnisher can work wonders. Read the fair credit reporting act in this section of the board. When you write your letter you will be informing them of relevant sections that they are violating. Bureau- Not completing investigation/incorrect data Data furnisher- incorrect data For your own info these violations can have damages up to $1000.00 per tradeline per bureau,plus actual damages,& attorney fees.
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#16
03-02-2007, 05:22 AM
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I have thought seriously about suing United Cash Loans. But they give so many bogus addresses that I am afraid it would be a waste of money. They have harassed me, threatened a lawsuit for defamation of character. I have never defamed their character, just told the complete truth about them. I know there is another member that has had alot of trouble with them. It is just unbelieveable that the bureaus are so difficult to deal with.
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