sentinel0

Thank you guys for the heads up.

I have like 4 hard inquiries on my EQ report that are all on the same date from different lenders, I believe they have something to do with J.D. Byrider I was going to co-sign with a friend to help them get a car but, I decided that it was a stupid move and I never consented for them to run my credit at all of these banks. Is there anything I can do about them? I don't think I'm clever enough or can afford to have all the required accounts to achieve the B* with TU and EQ. I don't know how much removing them will help my over all 410 score. Having them removed is more about the principal that I didn't consent to them running my credit through those institutions.

I pulled my credit file at the beginning of the month and what I saw was disgraceful to the extent I better start trying to do something with it. One of my entries was a debt collector called "CREDIT MANAGEMENT" representing Timewarner Cable. I called and paid them the $9 that the debt showed. The lady told me the processing fee was going to be $7 that was waived and I paid. She transferred me through to their recorded message for information on how to file a dispute I took down the information and started looking for receipts pertaining to turning in equipment during a move from one apartment building to another. I thought that was what the charge was for a mix up about the equipment. I found the receipts and called them again today just to get clarification on the dispute process this time the lady tells me that the debt was not owed from equipment as it showed it was returned but it owed because I had a remaining balance on my old buildings account. I explained that I didn't believe that was possible but, she insisted and said Timewarner is the only way your going to get this removed. I said okay I'll call them. I explained the issue to Timewarner the representative explained that I did not have any remaining balance on that account and that I actually over paid by $4 and some change which had been credited to my new account. She has put in an "escalated" request and someone should be in contact with me tomorrow I'm guessing to have the entry removed. I'm guessing when I speak to that person I need to request a written statement explaining that it's going to be removed and copies of my CR from each CRA showing the removal?

Okay I'm like super confused on this one, I have a subsidized and unsubsidized stafford loan through NelNet that is hurting my credit the most out of everything else. I called the Direct Consolidation Loans division of the Department of Education to find out what can be done. I was told that since my loans are not in default there wasn't anything that could be done. My two loans have not so great payment history and was hoping to find some way to get the not paid on time items removed. I think I missed something about the rehabilitation of the loans. The rep told me that the loans could not be rehabilitated unless they were in default and if they were and the government buys that loan the status will report as the status it was in when they purchased the loan. I didn't understand everything the lady was saying but the rehab is to get you back on terms with the original lender? I'm very confused on how to make this better, I recently made a payment and have deferred the loan for a month and I start school again in August. I'm going to do some additional searching on the board before I create a new topic, information is here it's just challenging to decipher if it's current or relevant.

This is the code I'm working with http://pastebin.com/S3LAig8P, I have CK, EQ Complete, and CS enabled. EQ Complete has been working fine with the changes I've made. i just ran it though and I had to give it a little help clicking a button at the order report screen. My guess it that it was a timing fluke and the script continued on. It was the first time i ran it on CS so I'm not sure it appeared to work though. The changes I've made in the code I've tried to outline in my previous posts. The code may not work for everyone since I have both 6.9 and v9 of iMacros installed.

The only link that I see is for v.09 which I don't believe is the updated code you're referring to, do you have a link for the code? Thank you for such an awesome script btw. I've been a lurker off/on for awhile I finally decided to register and actually come to terms with my credit fiasco. Only if credit was as easy as programming.... Code change to handle EQ Complete soft INQ conversion: Function FormatJDSString(DataTable) Dim pos Dim strFormat strFormat = DataTable strFormat = Replace(strFormat, "Company Information#NEXT#Date of Inquiry#NEXT##NEWLINE#", "") strFormat = Replace(strFormat, " #NEXT#", "") strFormat = Replace(strFormat, "#NEXT# ", "") strFormat = Replace(strFormat, "#NEXT##NEWLINE# ", "<BR><LF>") strFormat = Replace(strFormat, "#NEXT##NEWLINE#", "<BR><LF>") strFormat = Replace(strFormat, " ", "<SP>") FormatJDSString = strFormat End Function The returned string should work fine with http://eq.countmysofts.tk/ It's a little tacky I should have did some kind of Instr # and chomped the text instead of hard coding it like that but, any change to the table and it will have to be modified again anyway.

I have a letter written for each CRA requesting the invalid/inaccurate entries to be removed, I've included a copy of my drivers license, ss card, tax return, page of report with error(marked). What is my next step? Do I priorities the negative entries on the reports and start sending validation letters or do I wait for the CRA's to report back with the corrections to the personal information changes?

I spent some time yesterday working on the macro code for EQ Complete and I think I have it working again, I modified the JDSFormat function to work with http://eq.countmysofts.tk/, it still pulls the hard inq's but does not feed them into anything other than the logs and generated email. I'll hopefully have a MPM account soon and I'll start reworking it so it'll pull if that code also has issues. Can anyone confirm if USAA still does daily pulls I've read mixed things. I really would like to try to B* my EQ report.

I'll check into getting the mailed versions of them thank you for the information. TransUnion which I bought is 27pg, Equifax is 43pg, and Experian is 32pg. I hope there isn't a whole lot more...

I'm also around this area, I have all my reports printed out and filed into a binder. I have setup my OPT-OUT and I have created a onenote detailing all incorrect/invalid/non-existent addresses, phone numbers, and employers for each CRA. I had an additional question on this post though. Why do the forums show a preference of mailing or calling into the bureaus this type of dispute verses submitting them online?

Yeah, I think so my goal was to learn the code that had been written and make it not error anymore. I'm sure with a little work I could figure out how to make it save the next report update to the ini and not check for a new report till that date. I needed to get it pulling the information correctly before anything else.

I just wanted to say thanks again for the links. I know have all three bureaus reports. I'm going to start a new post in the credit forum regarding the first few steps I should take. I got some many things wrong but, I think they can be broken down into smaller subsets. I know two maybe three should be rather easy to handle it's just getting the proper guidance to move forward to resolve them. Then I'll start cranking on the harder ones.

Thank you Denise, I had bought the TransUnion one the other day, I signed up for a month at Equifax for like $5 I might keep it for B* when it pulled the reports it showed my credit scores across the board even lower than creditkarma which had me at a 498 the 3 bureau from EQ is showing 412/410/418. The smallest report I have is 27 pages, this is about enough to send me into a panic attack. I think my next step is triage going through all the reporting and marking them with some sort of priority. I don't remember in the transcripts but i do remember reading somewhere I should request/dispute all old addresses to be removed from each CRA before I do any work to fix the stuff with the CAs? Another side note, I went ahead since it was free and signed up for credit.com which i think will pull my stuff once a month simlar to creditkarma, EQ will give me "unlimited" which I'm assuming is one credit pull from them daily. I'm feeling very overwhelmed and just don't know how to fix this massive mess I have created.

I rewrote part of the creditkarma pull code to call a function I added that can be passed a sentence style string and will return a formatted date if it exists in the string. The returned value/date is the data for last and next pull only one of these atm gets added to the status log and I changed the smtp server settings to match and work with live.com/outlook.com addresses. Menta33/MantaLNJ I can post just portions I've changed. The code is running on version 9 of iMacros. I have Windows 8 Pro with IE 10 and version 6.9 just wasn't working at all. Simple changes included updating the login url and extracted_txt scrap.

I know my way around vb.net and am I novice coder in vbscript if I can be of any help please let me know.