joeysmom

Okay those letters going out today. --- Ill let you know when I get an answer.. Okay my first move and Im excited. lol Carol

I went ahead and tried to make this a bit easier, since I was all over the place. lol Im sorry, my daughter suffers from seizures and my brain is elsewhere (shes only 3). So please be patient as my brain is trying to catch up with me lol First do I write the CRA with every single error I find on the report??? Secondly, do I say something is not correct on this item please verify? Or do I say, my bankruptcy was filed and discharged long before these collections got the accounts and request for them to remove all traces from my report?? 1)))) There are 46 addresses listed for me... Last time it was disputed they came back verified... I will go ahead and disbute them, but what then after that? Do they have to prove what verified it?? Most of those addresses are NY addresses which belong to the other persons who credit was combined with mine. 2))) There are 23 variations of my name..... Good Lord--I was married once (never changed over to my married name) got divorced... Then got remarried again and changed my name. So I have only had two names.... One of the names is the name of the person who some of her credit info, addresses , etc are on my file. So, again... So when I dispute the names and it comes back again as verified.... Can I request proof of this verification???? 3)))) I wanted to break it down.... 6 pf the Sallie Mae loans were regular longs (not subsidized and unsubsidized) they were co signed for..... Those say charged off as of sept 2007 to sept 2009.... Then it shows late non pymt history from 3/7 -6/7.. So they continued to report this even though it was accepted through the courts and discharged and they even wrote charged off/written off and the amounts... There is one Im not sure about as far as student loan... Im going to do a little digging and get back on those.. As far as what is left--creditors reporting after the bankruptcy... Just so you know, I called the attorney and read through the filings and all. The school loans were included and they were discharged... They were notified and never came forward... We were put on a payment plan and had to make payments for a certain time for the vehicle , etc. But we received our official papper our payments are finally over.... Whew... Im going to ask this one last time just so I can get this into my head. If you say something is wrong with a debt on your credit report and they come back and say its verified. What do you do next? Can you ask for proof of said verification??? Thank you so much for letting go through this... Tomorrow is the big day, Im going to sit down and write my letters..... Im trying to figure out how to exactly approach the letter writing... hmmmmm. Im just going to wait on the replies about the addresses and social security and incorrect name answers to see if I should add them in as well..... Thank you so much carol

I pulled my credit reports for free. This is the first time Im working on them myself, as before I hired someone to do them before the bankruptcy.. I went ahead and went through it with a fine tooth comb. There are quite a few things that are wrong. Im not sure how to move forward and I think that scares me... I realize I need to send letters to the CRA because several creditors show I went bankrupt but continued to report each month for over a year and then charged off/wrote off 1.5 year after the discharge took place. Then there are several creditors that say reported to collections (which occured after the bankruptcy)... ughh Quite a few from the collection agencies show date opened 2008 when I filed in 2006 dischaged 1/2007... The account numbers match the old ones that were discharged... A few of them updated and said discharged in bankruptcy but didnt put on my report until 8/2008 what gives?? can they do that?? Do the CRA's have to provide proof of verification (what the verification was) because if its truly not mine I want to see why they verify it. Okay, heres two more biggies I dont know what to do.... There are 9 social security numbers associated with mine. Yes, count them 9... It says ss#'s tied in with mine. One is my dads, one is my husbands, and the others I have no idea. Could be who they were saying other ss#'s files that were mixed with mine. Equifax wouldnt give me my reports because of this, but Experian did and it shows 9... Then there are 4 pages of addresses, some I have no idea.... I think it scares me, because Im overwhelmed with the ordeal of handling all these things not only my stuff but all the other records tied in with mine. They were disputed before several years ago-the addresses- wrong names-and ss numbers but the CRA would say verified and leave them. So if they couldnt do it how am I the little person going to do this.. THank you for listening to me. After reading through the post, I know I have to write a letter. Where do I start?? Do I list each account that is wrong?? And say improper reporting?? What about the ones that were opened after the bankruptcy by collections.Im so scared Im going to say the wrong thing and shoot myself in the foot. Okay one last thing. All the school loans either say write off as loss or says included in bankruptcy...... Then some of them went to a collection agency afterwards over a year later.... How do I address that??? If I sound overwhelming and overwhelmed I am.... =0) Im figuring I should just write them all into one letter to each CRA but not sure what to say.. Rather hope they remove before having to say well went bankrupt so change it to discharged. lol THank you for your help. Carol

Okay I am very very thankful that all of the people on here have so much knowledge.. I have learned so much since my first venture on this site... But, it seems that if someone new asks a question that maybe was posted and answered elsewhere sometimes the answer goes left without a response or the more seasoned person feels a little miffed "we didnt read all the post". Because of the mass amount of information and the changes as things have progressed over the last few years. Its really hard to read in bits (there is a newbie section-but then alot of updates through out the board) or try to find the answer just what were looking for... So when I ask a question-its not because I was to lazy to read the tons and tons of messages-or didnt endlessly looked up key words to find something that pertained to me and/or was the most upto date. Sometimes I just need a point in the right direction (please just tell me which forum to look on) or maybe Im still unsure because I dont want to make a mistake. I have every faith in all of you that the tools you have provided will help me. But, Im just a bit unsure on a few things and really need some help. Im afraid by my own actions I will make my credit report worse then it already is... If this is the wrong place for me--- can someone rec another site for someone who is totally a newbie and needs a little more hand holding?? Im sorry to bother everyone. Just being honest... My biggest thing is that I went bankrupt.... Those creditors show that I went bankrupt. But then a collection agency after the fact bought my account. Then started reporting it almost 2 years later. If I try and dispute it on the grounds that I went bankrupt and it was discharged 1/2007 cant the collection agency then turn around and just put filed bankruptcy on my report. Even though it wasnt with them prior to? I have several questions and Im not sure how to ask for help and Im afraid to ask and look stupid because I "cant find the answer myself on the board even with searching for key words".. Any suggestions?? Because between the bankruptcy and some other big issues I really can use the help. Thank you again for letting me vent. If I was wrong for venting Im sorry Carol

Thank you so much. Wasnt sure if it was safe for them to fax the information as requested. They said this way they can take the other persons information off--so as not to give it to me. Just wasnt sure if I should give it to them. Thank you Carol

Thanks for replying back to my post.... My bankruptcie was filed on 9/26 and discharged 1/2007... So I dont know what applies and what doesnt... *** there are several accounts that show opened 4/2008 (old accounts but the collection agency put under themselves and say I opened it) and then shows discharged chapter 7.. Well how can they do that say opened 4/08 when it was discharged back in 2007.. Im so confused... Then below shows how two of the schools are listed. any thoughts? The first one is Sallie Mae and it shows as a charge off.. Second one is the collection agency (USA Funds) who bought my account and they say I opened the account in 2008 but thats when they aquired it ugh... First One Sallie Mae Account Number: 943410xxxxxxxxxxx.... DateOpened: 05/2003 Status: Account charged off. Date Opened: 05/2003 Date of Status: 09/2007 Reported Since: 09/2003 Last Reported Date: 09/2009 Credit Limit: $3,735 High Balance: N/A Recent Balance: $5,460 Recent Payment: $0 Account History: Charge Off as of Sep 2007 to Sep 2009 120 days past due as of Jun 2007 90 days past due as of May 2007 60 days past due as of Apr 2007 30 days past due as of Apr 2007, Mar 2007 Second One USA Funds Account Number: 1943410.... DateOpened: 03/2008 Status: Collection account Status: Collection account. $71,485 past due as of Sep 2009. Thanks in advance for your help. Carol

Okay, I went ahead and requested my free reports from Transunion and Experian and it was fine. I cant get one from Equifax. After nurmerous phone calls I was advised that I can not get a free one or a paid one because there are multiple files combined with mine. I know someone elses credit information is combined with mine.... Ive been trying to get it off, but now that their ss# is listed on with mine and their personal information they will not let me see my credit report. They would like me to fax my social security card and my current drivers license info to them directly.... Please someone tell me is this okay?? I dont get it.. .They said if anyone pulls my report it will only be a partial not complete. What do I do?? I need some guidance.. ughhhhh Carol

Hey there I tried the link for guide and it didnt work.. lol Can someone kindly guide me to where the how tos and the letters??? Im so new at this and havent even begun to make a dent in the surface and thinking maybe someone who is more qualified should be doing my credit report. lol But, Im going to stick with it and keep reading the posts and try to do this on my own. =0) Thanks for all the helpful information. Carol

Hi there I have been searching forums and reading quite a bit and its not easy when your starting off. I have a couple of questions because Im a bit confused. I recd my credit reports and I wanted to clarify what I can and can not dispute.. I went bankrupt and it was discharged.. I thought when you go bankrupt the creditors remove their debt off the report.. But, I can see thats not the case... Some say bankruptcy chapter 7 /discharged. Some say charged off, written off, etc. Im confused as to how to handle the items on my report. Do I say inaccurate, do I say I went bankrupted? Also, there are some that were sold to collection agencies and they are reporting it every month even after 1.5 yrs of being discharged. ughh So, please I really need someone to kindly point me to the most recent forum on how tos for how to handle after bankruptcies.... =0) It has been requested several times about addresses that arent mine, accounts that arent mine, work info that isnt mine, education stuff that isnt mine, etc.. Someone else with the same name their report got in with mine and they wont remove the stuff that isnt mine. Some of it is good like the open revolving accounts in great standing but the other stuff doesnt belong to me... They wont take it off and Im so frustrated... Last but not least.... When I went bankrupt my school loans were listed and then discharged. Yes, discharged. Big wig companies even though notified didnt say anything. They went ahead and reported me current, sold my account etc.. I know that school loans cant be discharged, but the attorney included them and they were discharged... I was told even if I still owe because they are student loans the creditor has to remove them off the credit report because they showed discharged.. any advice?? the attorney said I can pay extra for them to request them to remove it, but rather handle myself.. Sorry for the winded post-I did try to do a search and look for the most recent and updated information. If someone can send me the links to the right forum area Im more the willing to look up and read and try to sort through it. Thank you in advance. carol

Hi Im Carolynne It's been awhile since Ive been on and I guess youd call me a newbie. lol My husband and I went bankrupt over 1.5 years ago and still have negative things being reported that were discharged (meaning reporting each month that payment isnt being made).. Including the morgage from a house we dont even live in. lol My goal is to work on getting all the discharged items off and start to clean up the mess left on my credit. So much to read through and Im a little dizzy. hehehe As well as figure out the about the bankruptcy credit reporting class action claim.... Thank you for all the knowledge that has been posted on this board. Its so greatly appreciated. =0) Carolynne

Thank you Cloak and Dagger I was busy typing and you posted your reply before I hit enter. Your explaination was thorough, and exactly what I needed. Im looking for a daily watch. =0) joeys mom

Hi there. I want to thank you for your replies. I was able to get all three fico scores from truecredit. I know you can get them from myfico as well. I was looking for a place I could watch them daily (watch all three daily). But based on what has been said I can not watch all three daily. I checked out mycreditkeeper and that does not allow you to watch all three ficos either. I was hoping that I could watch both my credit reports and fico daily. I am finding I can only watch EQ daily, but so far nothing else. **I had a lot of credit fraud and I am trying to get it all removed. I thought I could possibly watch it daily to see how the credit bureau are working, as well as watching to make sure the opt out and id theft thing I did is not allowing anything else to be issued in my name. I guess I will have to purchase either myfico once a month. As from what I am reading it is the only one that gives you a fico and not a fakco? What about truecredit by transunion? They do all three reports as well///with the fico. IS this a fakco as well? joeys mom

Hi there I went to truecredit.com (which is put out by transunion) and did the 3 in 1 and received my fico scores. Only problem is that I noticed it does not do a update. It is good for 30days but it is a snapshot at the time you purchase it. *** As far as myfico and credit guard I did the search on here but did not find the exact answer I was looking for. So I went to Myfico under help, and it indicates that it is a snapshot as well at the time of purchase. So it does not show you updates as things are changing. You can repurchase it and it will then show you the update at that time. Then I checked out credit guard, according to what I read on here it gives you updates on your credit report every 24 hours. But, it also gives you a fakco score. Which I know the fico is better. Is there a site I can watch my credit report daily and watch my fico daily? I did my homework on here and online. I looked up myfico, credit guard since those seem to be the ones suggested. I was wondering if I am missing something that might be helpful. But I want to make the most informed decision. Im in school and I would like to spend my money wisely. I respectfully ask if you can push me in the right direction I would appreciate it. Joeys mom My scores to date are transunion 568 experian 594 equifax 569

Thank you so much. Im tickled pink. <--- heres me doing the happy dance. I got the list. Whooo hooo. I can keep up now. lol Thanks again for your help. I was getting confused because in one instant I found where it said one, in the first letter. Then some, then all. So it was a bit confusing. Thank you

Hi there, I had a question please. I kindly ask for assitance. I have been reading all of the newbie things, and some of the stuff on credit forum. In one place I saw where it was rec. that we only place one item in dispute at a time, so we do not cause the CRA to claim we have a frivolous dispute. But, then I saw where it indicate in another posting where we should either include all of together, or split them. Can someone kindly tell me what I should do? Also, should I be afraid even after opting out, to give the CRA my new address? I have had fradulent activity on my credit report. Since I have moved and gotten married, I haven't had any new issues arise. Should I worry that they get all of this new info? Last but not least. I have looked up and down for what the jargon is that all of you use. So many abb and I cant make heads or tails. Maybe I am missing it on the newbie board. None of the headings on posting fit, but I have gone in quite a few. Thanks in advance. joeysmom