gunner1

do you just froze chex and then were able to open a checking account?

no to thread jack but here goes, to clarify for my personal self. jdb can not report on cr as a creditor? ie charge off account " householdbanks charge off, now arrow finace is collection and reporting on my credit report! so the same negative account list twice? is not legal in MI?

bump

So could i get a sample letter to please remove these old address form my cr as I do not live there any longer?

Ok so we have made a few bad choices, and now it time to man up. 2007 we did a bk7. Nice fresh start, I had a major operation and presto we fell in a hole. So we meet with a finance guy, paid him $15 each for a credit reports. Now we need to clean up and fast as possible! On her reports it starts off with scores of Eq529,Tu525, EX493. First section is public records, she has a judgement that was satisfied before BK7 in like 2006 and show included in BK7,(it was paid via payroll garnishments)it was a secured personal loan through a local bank, wit my car as collateral. -next is our BK7 -an apartment complex amount of 2348, paid through garnishments but states included in Bk7 with a date of 2007. we had another apt.and were living there for 2 years when we filed bk7 so the dates off by 2 years -here is an odd one, my wife had a car loan through a local bank and we fell behind on payment and they reposed the car she took out another loan, to satisfy the first loan(samebank)we got the car back, and made the payments. 1 year later we fell behind and the car got reposed again. Then it was included in BK7. -cap1 garnished us and we paid it off, shows included in bk7. it was not -last judgement is city parking fines these were included in bk7. all but the first judgement and our BK7 shows satisfied. the first judgement show "judgement", and bk7 shows discharged through bk7, the rest shows satisfied. Then the next section is creditors and that's not as horrible but, one that odd is DTE energy who we have used for 9 years shows Bankruptcy with a balance of $282 our balance is $0 we pay the bill monthly! what should I do about this one? We need step by step help in getting through this! TIA

Thanks for the answers.I hope discover reports AU as i'm high credit usage due to my small limits.

So my score is still looking for improvement. I have been thinking about asking a Good friend to add me as a AU on one of his Higher CC like Discover. He has good payment history and pif every month. So how would he go about doing it just call Discover and add me what info will he need (ssn, DOB) I do not want a CC just to bee added so it shows up on my credit report. Is here any Pro/ or COn that you could shed some light on? please and thank you

okay I have opted out. I now have started on the letter. I have a question in the top part of letter, I am making it my own by changing it and add my own info, but should I type the certified mail# or hand write it? I mean I have to get that from the post office and I need the letter so should I just hand write it?

bump

I had major surgery last Sept. I now have a few credit reporting agency on my credit report. one of them is Cad. accents rec mgmt. the original creditor is Pathology pc. (i have abbreviated). I owe them $24 dollars and it say STATUS COLLECTION ACCOUNT. $24 PAST DUE AS OF APRIL2011. this is on Experian . I am starting this journey small. so this is my first of few . So what do i need to do. I mean its $24 dollars so I can pay it but I know it will haunt me for a long time. We are working on fixing up our credit in hopes of buying a home in 5 years or less. any and all insight tips, trick or other thoughts would be extremely helpful and appreciated. today I pulled 2 of 3 free credit reports . step 1, step 2 ask for help.

bump

Chris Callero, CEO, Experian Americas 475 Anton Blvd. Costa Mesa, CA 92626 Chris.Callero at experian.com (714) 830-7000 is answered by a live human being Dispute credit reports at this address: P. O. Box 9701 Allen, Texas, 75013 Address to complain above address is not listed on the Experian website: Attn.: NCAC Complaints, 701 Experian Pkwy. Allen,Texas 75013. Hope it Helps! taken from The Consumerist

Alright, we are in MI. BK7 discharged Mar 08 First item is Public records section,It was a car loan from Northwestern bank(used car as collateral for a $1500loan). We missed the second and third payment, they took us to court, and won) We paid it off shortly after. It was paid by us. On the report it states"TYPE Civil Judgment in Bankruptcy. this was paid 11/2007. So how should it be reporting? I am guessing not Civil Judgment in Bankruptcy, but just civil judgment.. Next is a Alltel cell phone Bill, it was before my time. Account type - Open Account. This should be a closed account, as of 04/2003. So what should I say to trans union? Guidance please! #3 HSBC bank. Remarks: ACC INFO DISPUTED BY CONSUMER Pay status: >payment after chargeoff/collection. This was a $300cl mc that went to $1004 after all the late fees. This was included in our BK7. So again I have disputed this before but now what? #4 Northwestern bank, same as above. Remarks: >paid profit and loss< pay status>payment after chargeoff/ collection< this was paid and not bk7'd? so how should I request it to be corrected? Thanks for trying to make sense of my babel, and any and all help.

they still make money from some of us that have to pay to freeze the reports. The only reason I have issues with them is they do not correct incorrect information!

they were great to you!