B4d_JuJu

The wording these guys use in their adverts is very deceptive and can get you if you don't watch it. Like you never find out how ofter you can pull an updated report until after you sign up. I too tried Identity Guard and they stated nothing about updating your report every 90 days.

this SS is the best thing to happen to me since finding the CB site...another great tool. Bad thing is...it makes you realize how far the climb out of the hole is.

I did it all in the same letter. It falls under the "personal information" category with the CRA, so here's how I worded my letters: _______________________________________________ Your Name Your Address City, ST Zip Date of letter, 2009 CRA Name CRA Address City, ST and Zip Dear Consumer Relations: Going over my credit report, I have found it contains many errors. I request your investigation of the following "personal information". Please see the attached photo copy of my driver’s license and proof of address for your reference. For the record: 1. My name is: XXXXX XXXXX. Please remove all other name variations IMMEDIATELY. They are not accurate. 2. My current address is: Street Address City, ST and Zip Please remove all other addresses IMMEDIATELY. They are not accurate. 3. My address does not pertain to any business. Please update your records to reflect my address as a personal residence. 4. My employment information is: XXXXXXXX . Please remove all other variations IMMEDIATELY. They are not accurate. 5. Please delete all phone numbers IMMEDIATELY. They are not accurate. Please delete these disputed items within thirty (30) days, which constitutes a reasonable amount of time for your investigation. I have attached the necessary documents to verify the above information. If you are unable to remove the erroneous information in any way, please provide the name and contact information of the data furnisher for each incorrect entry. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report once your investigation is complete. Sincerely, Your Name TYPED (do not sign) SS #: XXX-XX-XXXX DOB: XX/XX/XXXX Enclosures (copy of DL with signature and DL# removed) (Copy of utility bill with account number removed) (Any other document that shows name, address or SSN combined) Thanks so much for the info but I do have a question and pardon my ignorance.....Is there a reason why you would not want to include your signature on correspondence to a CRA and is it a best practice to not include it?

They have an opt-out option.... This was a quick find so i'd suggest reading their privacy policy before providing them any additional info http://www.acxiom.com/about_us/privacy/con...equestForm.aspx

15/20 but none were Creditboards abbreviations.....hmmm

My favorites are: Tigerdirect/CompUSA Geeks.com Microcenter.com in that order. if i wanna do some comparison shopping (which in this economy is necessary), i google shop. Seems to have taken the place old school standbys like pricewatch. Amazon never really turned up any great prices (usually about middle road) for me though

Hello CB, Longtime lurker, now I'm ready to get in waist deep do something about my credit. Thanks for being here with loads of useful information

I've been on autopay with SM since I began paying my loan back 2006. In October 2008 an unforseen occurance (ok...it was an overdraft) with my bank caused a payment not to process. SM however continued to take payments thru autopay, never notified me and 3 months later i see a delinquent on my credit. I'll try calling for a goodwill and see if something sticks. I think it sux that they would continue to take payments on the balance but they consider that one payment late...at least thats what the rep told me when in inquired about it. :blah: