Handsome Rob

How can I obtain the credit score? -Pay them. Their "credit monitoring services" for (X)$ per month. I assume the first 3 are good while the "o9" is bad, correct? 0 Current account/zero balance-reported on update tape 1 30 days past the due date 2 60 days past the due date 3 90 days past the due date 4 120 days past the due date 5 150 days past the due date 6 180 days past the due date 7 Bankruptcy Chapter 13 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) 8 Derogatory, e.g. foreclosure proceeding, deed in lieu 9 Bankruptcy Chapter 7, 11, or 12 (Petitioned, Discharged, Reaffirmation of Debt Rescinded) When would this reporting "fall off" the credit report? Also, is there anything I can do as far as in writing, via fax, etc to inquire to see if they will remove it? Supposed to fall off X years passed your date of first delinquency, the first time the account was delinquent. X years because Statute of Limitations varies by province. In my case it's 6 years. Transunion has been great with this, Equifax complete wireless routers. This account now 7 years old. Law here states: Your province may vary. I have no idea about inquiries.

I'm in a very similar situation to you. All I can say is, good luck. I'm beyond demoralized. I fell apart in 2007, credit card, car loan, cell phone bill. Paid it all off by January '09. TU Score was 611 at the time I think? I don't have a single negative item, late payment or anything on my credit report in the last 3 years. Available credit has gone from $0, to $500, to $1500 always paid off for over two years. Added a monthly cell phone, lots of bad things have started to fall off the report. My score today....622. I don't know what to tell you. Send in a request by mail for paper copies of your CBR and go over it with a magnifying glass. TU has been pretty accurate for me, but EQ is just full of crap. Took me 18 months to get my 'split' credit file unsplit, another year to remove two bad tradelines when I had a release letter from the original creditor from day one.....These guys are striving to achieve incompetence. If you can find a date that doesn't line up dispute, dispute, dispute. Maxed out CC is bad bad bad. Standard says to keep balance below 30%. You are scored by credit utilization. So having $1000 available with $100 used is much better than having $10,000 available with $8,000 used. Go find some easy credit, secured cards, cards from credit unions. Capital One has been great to me, local credit unions have secured cards as well. You might too. I put in $300 for a $500 card on Cap1, they unsecured and bumped me to $1500 in a year or so.

What the hell? So I just get a call from NCO collections, apparently a 4 year old bank account from RBC was written off overdrawn in 2007? $342. Now RBC goes and sells this debt to collections 3 years later? Why? Nobody reports to the credit bureau, they make no effort to get in contact with me. I had no overdraft.... What the hell? Never again, will RBC see business.

Unreal. 9 months of good reporting on EQ, and a credit limit increase of 300%, still a stagnant TU score. It just won't move. I'm always waiting for the 22nd to go and check. And waiting for Equifax to respond is like waiting for Santa Claus. Equifax Credit score actually went down 3 points, only official change to the file is a 300% CLI. WTF?

Woot! Cap1 CLI $500->$1500.

OK, well off goes a letter to Equifax disputing the loan. Perhaps that will recharge my morale with a favorable conclusion.

Woot - Finally got Equifax file. TU - 611 EQ - 634 Total summary of everything: Still waiting for an actual hard copy from Equifax, but it's a start. I'd previously tried to dispute with TU, RBC Visa/ICBC/CBV/CreditBureauOfVernon, balances displaying are incorrect. They came back with that slap across the face, "We don't care." Any suggestions what to try next? Those collections are going to be gone in like 2 years anyway, is it really worth fighting they're so old? The car loan, displaying as written off, but it was definitely paid off. Should I try to contact the creditor to have it removed? Or try and dispute status through EQ? Any other suggestions? I've gotten a second wind for this.

1-866-828-5961 - Current customer service number 1-877-493-8785 - Website Tech Support 6 months going, still trying to get that CR. I've now discovered it has 7 trade lines as opposed to the blank one they sent me last time. What a mess this company is.

Abbreviations are correct to the best of my knowledge, I'm out west though. Postal code format is: Letter-Number-Letter Number-Letter-Number

I'm new to the credit building scene, but: Knocking down them balances, should, yield you a significant improvement.

I owed $9,000 on a delinquent $18,000 car loan. After the loan went delinquent, they served me notice of their intent to sue me in small claims court. I didn't show up to court, and when I subsequently contacted them to pay the balance, I discovered that the delinquent loan had been written off. Basically what that means, is that the creditor writes off the debt in their taxes, and catches a tax break & removes the loan from their books. Based on experience in BC, and you could call that a disclaimer, I would check some more; They need to serve you notice of small claims court, successfully win the case, and if a suitable arrangement wasn't come to by way of court decision, perhaps then, start things like garnishing wages. Until that happens, I would think the best they can manage is telephone harassment & credit score implosion. But again, that's experience alone, perhaps a baseline for further googling.

I would suggest opening a PO Box in the UK, and not giving a #. They're cheap over here, shouldn't be signifigant. Gives you the peace of mind and helps you freely work into the positive. I just couldn't see how a CB could not put the accurate address on your credit file once they have it.

Hi Quasei, Sorry, been out enjoying the summer, and I have to admit, I've been feeling a little bit disheartened about this whole thing. Car - We bought a 2001 Volkswagen. I took $2500 saved, and we put $1500 on her credit card, paid it off before the statement arrived. Worked out pretty well. I haven't sent any letters at all. During this dispute process, I was also trying to find out what the heck was going on at Equifax. Turns out my credit file is split, they gave me a fax number and a bunch of information/ID to send in. I complied, then they sent me back a letter asking to mail in all of the same stuff + a little bit more. They're almost as bad as Telus or the friggin' CRA. Between that, and the basically, slap across the face I got from TransUnion, I just kind of gave up a little bit. Don't know where else to go. Just got the 7th green square on my TU report for the Cap1 card, score hasn't moved. Still sitting at 611 , I'm thinking about going to talk to Scotia now, secured or un-secured, whichever.

Isn't that what I've just done? Sent them a dispute on the amounts? Missing something here? And the plot thickens. My Tranny is failing.....fast. Before I go get another junker, figured it's worth a shot at least talking to Scotia, see what they say. Looking at, '09 - 0 Km. Around $13,500 closing, $2000.00 down, 36-48 months. $250-350/month depending on rate, hopefully pay it off in a year. 3 years on job, 1 year at residence, last residence was 4 years. Net $33,000. Should be interesting.

Ok...well here's some news. TU - Updated, two great months on Cap1. The score.....static. No change. EQ - Has not yet received the report from Cap1, still waiting that one out. Gave them a call, and they looked me up, nothing. Maybe next week. Based on what you said above, I don't think I really stand to gain much on 'correcting' negative info as opposed to 'removal.' I mean, won't make a difference if TU says I owed $1500, and OC says $1424 does it? So I'm thinking I should start writing letters? Start with ICBC, the only one's I still have an active account with? Any point in a letter to a collection agency? Nothing to lose?