CreditGod

ok do you have relative that you can trust if so use their address then take your po box off all of you credit reports but you have to make sure that at least one of your trade lines has the new info on it when it reports to the CRA's don't do anything make sure you sign up with truecredit so you can watch the before and after it will freak you out I'm just telling you what the data says that i have collected over the years

wow you are the only person who understands that there is an internal scoring system every thing we do is one step at a time so that we can see what makes what tic we never delete things when we are doing a case study the reason for the 20 point deduction is because you are showing the scoring model that you are not stable with where you live and that you move all the time thus the deduction for the 20 points i guess no one on here knows who i am and i think that is funny everyone on here only talks about their credit and not anyone elses or do they talk about case studies You are about as full of crap as anyone I have ever seen. No where did you ever mention an OC's internal scoring. You were talking fico. I'm not approving anymore of your pathetic Geronimo posts and I don't give a chocolate who you are. LKH why would i lie to anyone on here i have nothing to gain or hide I only talk about credit scores from case studies that means before and after's put a PO box on your own your report and see what happens who do you think comes up with the algorithms that fair isac uses for scoring

If you don't believe me than get a po box make sure that you get a credit card sent to the po box also make sure that all three CRA's have your po box on file and don't change anything else If your credit score doesn't drop by 20 points I will tell you what it takes to get an 850 credit score but i want your before and after credit reports so that i can see the results again i guess no one on here knows who i am

wow you are the only person who understands that there is an internal scoring system every thing we do is one step at a time so that we can see what makes what tic we never delete things when we are doing a case study the reason for the 20 point deduction is because you are showing the scoring model that you are not stable with where you live and that you move all the time thus the deduction for the 20 points i guess no one on here knows who i am and i think that is funny everyone on here only talks about their credit and not anyone elses or do they talk about case studies

If you use a PO box as your mainnaddress and it's on you credit report it is costing you 20 points at least this is what we have found on 342 case studies can we start a new forum called credit scores please I have alot of data on just this subject

We're aware that having no active accts lowers your Fico score. OK but what is the point value for a 300 dollar card a 5000 dollar card what are the points values for a Macys card Walmart card Like I said i only look at before and after i have a spread sheet on almost every credit limit and the points value for having it added if you have a code 16 show up on your report please get some one who know what they are doing to help me collect more data Assuming a person has zero credit cards and then gets one, a $300 limit or a 5k limit will both yield the same value in points. utilization is where the positive/negative points are. And I think Curious knows what he/she is saying. I don't think there is any reason to post to other members in that manner. That is what we thought but after adding a 300 dollar card to 20 peoples credit we saw that it only added an averge of 20 points then we added a 10k card to the same people the score went up another 15 points on all three reports from kroll factual data then we added a 5k card to people with no credit card and we saw a 30 point jump in their score from kroll factual data I only look at mortgage scoring model because that is the one that banks use for homes and comercial loans

We're aware that having no active accts lowers your Fico score. OK but what is the point value for a 300 dollar card a 5000 dollar card what are the points values for a Macys card Walmart card Like I said i only look at before and after i have a spread sheet on almost every credit limit and the points value for having it added if you have a code 16 show up on your report please get some one who know what they are doing to help me collect more data

First of all, you don't lose points for each and every inquiry. My experience has shown that once you hit 5 or 6 inq's in a 6 month period, each additional inq cost me zero points. Inquiries are such a small percentage of a credit score. If both this persons other scores are in the 700's, what is the problem? For a mortgage, they generally take the middle score, which in this case would be in the 700's. You aren't going to get Experian to remove inq's unless you have a fraud alert and it is a legit fraud alert and you have been a victim of ID theft. There is no problem I am collecting data he started with 22 inq's on all three i removed them on the other two he gained 33 points on his Tu score and 29 point on his Eq score he sends me alot of buisness i am doing this so he can talk to the TEXAS SAVINGS and LOAN assocation this is why i need help i will pay for the info or have him talk to who ever

for reform we want a manual written in normal language so that people can be educated on how the scoring mecanism work thats why we have all of the before and after studies the averge person gets ripped of because they don't ever get educated because only fair isac knows the truth on what makes the score tic we want to know what it takes for an 18 year old with no credit how long does it take him to get a 700 and then an 800 how many trade lines does he need how many auto loans how many credit cards with what limits how many instalment loans we want to know exactly what it takes and also what negetive point are deducted 1 late pay 2 late pays 30 day lates 60 day lates and 90 day lates this away we can educate people at the high school level do you understand that i am a friend now and not a guy looking for new clients

16 Lack of recent revolving account infomation It took me 6 month and 200 hundred before and after case studies to understand that not having an open active credit card is about a 20 point deduction off of you score Every time I saw a person with no credit card i would see that reason code so i would get them to get a secured credit card through orchard bank with out doing anything else their credit score according to kroll factual data or credco would jump an averge of 20 points like i said 6 months and 200 different peoples credit my activist has all of this in her report that she is taking to congress

I have a mortgage broker that i have helped remove almost everything on his report he started in the mid 500's and now he has two scores in the 700's but on experian he has 7 inq's everthing else is exactly the same and his ex score is a 687 and he is only using 10 percent of his credit card so he doesnt have a code 10 can you please help me

OK all of the credit pulling agencies like credco, triple a advantage. kroll factual data all have have fax numbers to experian to have things removed in 5 buisness days I had a number that worked for 8 months it was a direct number no machine involved all you had to do was ask for a level 2 superviser but they change the numbers up there atleast once a year does anybody have a number that works. I'm not talking about the one you get when you recieve your ex credit report and then you have to use your case number located in the top right hand corner I am looking for a actual number. I just want someone who is very good to help me!!! I have used the search button on here for 4 hours and i can't find what i need

OK all of the credit pulling agencies like credco, triple a advantage. kroll factual data all have have fax numbers to experian to have things removed in 5 buisness days I had a number that worked for 8 months it was a direct number no machine involved all you had to do was ask for a level 2 superviser but they change the numbers up there atleast once a year does anybody have a number that works. I'm not talking about the one you get when you recieve your ex credit report and then you have to use your case number located in the top right hand corner I am looking for a actual number. I just want someone who is very good to help me!!! I have used the search button on here for 4 hours and i can't find what i need

horse hockey.... TLs DO get removed all the time...think about it...you're telling the CRA "I never applied with Citibank" to get the INQ deleted... CRA says "Ok...must be fraud...let's delete that INQ...oh...wait...there's a TL here...that must be fraud as well...better get rid of that since it's not thiers" I don't understand the law? I don't know what litigation works? you my friend are certifiable.... "what works" is what we teach here...I REALLY feel sorry for anyone that pays you to clear their credit...and if I could find a client list, I'd inform them of EXACTLY what you're doing, and how you're hurting them... each INQ is 2 points? How do you figure? Are you saying that my 12 INQs on EX are costing me 120 points? Come on...answer that one directly...and completly please.... btw...by "add real tradelines" do you mean things like rent, etc? I DO know how to add those...two ways...one legal, but not very likely to work... the other probably the way your company does it...which isn't quite as legal ok when you see a credit report and it sats the score was adversley affected by the number of iquiries thats because you have more than 3 in the last 90 days that is a 10 point deletion by itself if you have around 19 inquiries you are losing about 35 points all together and i said 2 points 12x2 is twenty four the last time i checked sign up with truecredit and watch it for your self you will freak out when i'm right thats why i don't ever post anything on these things because people don't understand what really work if the cr remove a trade line it will come right back next month when the tape reports to the beauros do you understand know you can email me direct if you wont. Do us a favor, you have no clue what you are talking about, so take this garbage elsewhere. I guess you don't know what reason codes are either their are over 50 of them just google it credit score reason codes i just want an answer to my question i guess no one on here knows a real answer I've asked you twice now if you know who discovered "fill the bucket"? I guess you don't have a real answer. i said you or maybe your friend did

Ok here it goes Transunion only hold 40 inquiries hard or soft sign up with true credit for 15 bucks you can pull you credit every 24 hours and 1 minut example start on a monday at 9 am you can repull teusday 9:01 am these are soft inquiries if you have 17 hard inquiries on your transunion report once you pull 23 soft inquiries you bucket is full the next time you pull a soft inquiry your oldest one will be pushed out of the bucket that is why people who do credit work call it bucket filling or you might of herd of bompage. it really works and it only cost you 15 bucks I know you don't know how to remove experian inquiries because if you did you would know how to do the other two but please help me find someone who does like i said i am new to these things but i probably wont be back because alot of people don't understand how scoring work and all i do is look at scores every day but what if there's a hole in your bucket like in the other thread? how are you new to these things, since you've been "doing credit work for 4 years"? YOU don't know SQUAT about how scoring works...or about credit reports or the laws which protect consumers.... you've taken information that others have discovered and you're passing it off as your own, and doing a lemonade poor job of it. I'm new to blog boards not credit i never said that i discoverd these things only that i use them i wish we could fax in before and afters i have alot of refrence cases that i could show you and who ever just like removing as an authorized user from a credit card that has a 30 day late that just happened made a persons credit jump a 130s point from 684 to a 724 and i have proof that happened with a phone call and a rapid rescore through CSC credit services but i guess i dont know anything do I WOW!!! You mean to tell me that you got an AU account removed from someone's report? AMAZING!!!! no...you don't know anything... let me make some guesses about you...tell me how close I am you own your own "company"...claiming to fix people's credit...you charge what...50 bucks each TL? you're from the south...Texas maybe? you fiiled BK yourself a few years ago and you're your own "success story" (since you claim to have been doing this for 4 years...I figure you filed in what...2000, 2001? Learned what you needed to learn by using google, then figured you'd charge people to do it for them) now...for that 50 bucks per TL...you fire off blanket dispute letters...hopefully with better spelling than you have here...and if things come off, great..if not...then you just fire off another dispute letter do you know what a Chaurdy letter is? familiar with Johnson V Equifax? I dont do disputes i use litigation work i sue the bond company of the collection companies like nco finance midland credit and arrow finance and i don't charge per trade line that is way to expensive i only work with people trying get into home not autos i have a lawyer that understands the bk system and removes things that shouldn't be on file if it was covered in the bk she is an activist all i look at is before and after reports so far i have helped 784 people buy homes by helping them raise there score and it doesnt hurt to know people all over the country with good contacts i strictly follow the law and i never ever never send normal mail. Any time someone wants to meet any where in the us i will be glade to show them all of my before and afters if they would like to see oh i guess a 17 year old didn't crack the iphone either but i don't know anything