RJP3

I have aready opt out. I did that several years ago. As for my EX he can go jump off a bridge for all I care. The collections are in my name only. I will send out letter tomorrow. Tks!

I have 6 medical CA on each of my reports. I started the credit clean up a few years ago and was doing so well! Then my ex went awall and though that it would be a good time to quit his job the week after I had our baby. So everything that I had saved to pay medical bills went to just living. (What a great man right??) Any way my question is, should I work on all three reports at once or just go with Equifax? Way until I get them taken care of and order new reports??? I really want to buy a house for my little family of three and the sooner the better!!! Oh and should I write a letter on each account to the CRA's or would it be ok to put three accounts on each page? Starting the hippa process and going to get them mailed out Monday morning. Thanks guys!!!

Well, this is all new to me. lol The last three cars that I have had, we just went to the dealership, found the car, signed the papers and drove it home. I just hope that it all works for us. We need another means of transportation. I have an 05 with 93000 miles (drive alot) and husband, 1996 truck, you don't even want to know the mileage. I am going to take them what I have and then just go from there. The guy told me once he gets all of this in, he will go back and try to get a better rate with another company, I guess once they prove our income.

Well, the problem is that neither of our companies is based out of our home town. One is three hours away, the other is five states away! I will go by the power company and get her to print me one. I am going to take them what I have, and in the mean time, I am going to email and see if they can email me the last couple of sheck stubs. That is the one down side to our jobs, can't look at your paystubs online. Oh and about the taxes, my guess would be how in the world does someone that doesn't have hardly any bill and this income have credit this bad. No they didnt say it, but I'm sure that is what they are thinking.

We are being asked for last years tax returns, proof of residence, and check stubs. Tax returns not a problem. I couldn't find any current pay stubs. The most recent that I found was one from August for both of us and all of July. I don't keep my ultility stubs. I won't receive Octobers until next month. Our address is on our tax returns and check stubs. Do you think that this will work? They have really had to work to get us approved. They said that everything looks good as long as I can provide them with these things. We make over 80k a year, and they are trying to get us a good rate. I don't want to get my hopes up. Credit of course is in the tank! Thanks a bunch!

Can I ask a dumb question? What is the difference between what shows online vs what they will send to you?

I always print the reports. I was looking at it and was typing what it says. I just don't want anything to mess me up. I this has been a long road, and I just want to move on with my life. I thought that I was going to have to re-file bk, until I found CB. I have had several things deleted from my reports the past few months, but a few things just keep hanging on. I signed up for Credit check total, but then they moved my 7 day trial to 30 so I am having to wait until I can pull the new reports. I disputed online so I'm going to have to write letters. I used the SOL out of date to old to be on reports and had a couple removed. I don't know why this one is such a pain. They also will not remove the bk. Oh well, I will just keep trucking!

This is what it says. ( From Experian Website) Date opened: 09/2003 Reported since: N/A Date of Status : 10/2005 Type: Revolving Terms: NA Monthly Payment: $0 Responsibillity: Individial Credit Limit: $6500 High Balance: $7440 Recent Balance: NA Recent Payment: NA We filed chapter 13 in 10/2005, it was dismissed 07/2007. Now the date of Status is 10/2006 ( when I checked it today) It will fall off sometime in 2012

Long story short. In my state SOL is three years. I had a 7500.00 account that the SOL ran out 10/2008. I disputed it, and now the Date of Status is 10/2006 instead of 10/2005. What should I do. I have been working hard the last few months, but and have not seen very many results. I think I am going to pull my hair out!!!!!!!!!

They spelled the name of the county wrong

I recieved a letter in the Mail stating that there was a tax lien in the amount of $114.00. I don't know what they had the lien on, we didn't have anything at the time. The one thing that I can not stand more that anything is the goverment. I avoid them at all times. I had no idea that it was on my cr, and no idea of how the tax lien came about.

Very simple I live in Lowndes Co, can I dispute because of wrong information? How should I word my letter? Also isn't this considered being place on the report twice? Pulled from ex ( still have no idea what it was for, I just paid it a couple of years ago) Type: State tax lien released Release of tax lien Date Filed: 10/6/2005 10/6/2005 Reference #: SQ14984 487240I Court: LOWDNES CIRCUIT Recorder of Deeds Plaintiff: STATE OF MS Liability: $114.00 $114.00 Asset: Type: State tax lien Release of tax lien Date Filed: 10/6/2005 10/6/2005 Reference #: SQ0487240I 14984 Court: LOWDNES CIRCUIT Recorder of Deeds Plaintiff: Liability: $114.00 $114.00 Asset:

SOL in my state is three years. On most of the others, it ran out and I just disputed as too old, and poof gone (40 points up on ex and eq) Cap 1 just kept updating the date. That's what I meant. Not sure if I used the right term or not

Should I offer to pay the balance and tell them only if they delete from CR? You would think that they would be more than happy to do that since they have not gotten a dime from me since 05. Then I will have a signed letter from them if they do not hold up to their end of the bargin, I could dispute via cra.

Esm, Your right. I just need to wait. Do you know if they will still send out the score alerts?