Someone on babycenter.com mentioned this site. I came to check it out and have learned quite a bit. A lot of the info doesn't pertain to me (I'm Canadian, and cccs etc are a bit different up here) but the money management forum is really informative.

Ack! I hope I am posting correctly. I found this site through theconversationcafe.com. I had questions about homeloans and credit and was told to come here. I hope it's ok?

I found cb by accident. I was on msn message board and someone posted a link. THat was about 2wks ago. I just officially joined today and I must say I have learned sooo much, but I still have a lot more to learn.

I was actually browsing Honda-Tech.com looking for info on my Civic, and someone was looking for credit help, and there was a link in that thread. Signed up yesterday, and I've been reading for about 16 hours so far... LOL

was told by a friend I came to build my business credit and ended up fixing and miproving my personal credit first while learning major details about improving my business credit,god bless this friend,lol.
charles

Sawa reference to the site int eh Money sextion of craigslist.org.

Have learned so much and look foward to being a member of the 700 club this year!

I have opted out, removed old names & addresses and "not mine" online for TU & EXP.

I appreciate this info and will share it with others!

be peaceful

as of 05/01/05:

TU 609
EXP 567
Eqf 525

I was on another site browsing and all I kept reading was how good credit boards is. So needless to say, I came here and I haven't left!

I searched under yahoo 'help i cant pay my payday loans' and this was one of the options and what a great option I chose!

keli

I found this board a while ago, and thought it was a really good resource. But, I didn't bookmark it, and tried to find it again. Then they changed the design of it, revisited, and I couldn't remember the name or if this was the same place. Glad I found it again. The information a vailable in the search is a tremendous help.

I did a web search and found another credit board and Pyran suggested this one thank God becaues this one makes sense and has been extreeeeeemly helpful

I'm an AOC'er who bounces back and forth.

Someone posted a link on a fantasy football website.

I have absolutely no recollection of how I found CB, or CB found me. I do know, however, that my life would be MUCH different right now had I not found this site.

Tank Yew Berry Much!

I was a moderator on the now defunct Fair Credit Movement web site. I had been on the site for a few years learning from those vets, many of them were duel members. Tyrelle, georgiaboy, psychdoc, and others.

I came here as another member name (whish I kept that name, I was probably member number 150 or something ) I joined for good and for real after the founder of FCM disappeared and closed her site. It's too bad too because there was a lot of good stuff there. There is more good stuff here but there were specifics of my repair I wish I had hard copies of

I was doing my daily internet search on credit repair, and I found creditscoring.com. From creditscoring.com I linked to Clark Howard and from there I linked to creditboards. This board is TERRIFIC!!!! Since finding this sight about a month ago, I already have been approved for a Patelco Visa Gold with a CL of 10K. I may apply this weekend for the Patelco M/C as well.

05/05 FICO

TU 700
EQ 692
EX 622 (Was in the 660 range, but I mistakenly dispute credit line that I should not have) That's the way it goes sometimes. But I am having that creditor fix my stupid mistake.

This is my first post on CB.com and I found you guys through Flyertalk.com. In order to keep things easy I used the same name here UFFA as I do on FT (more for my Memory than anything else). Look forward to learning a lot of information as I have done on FT and would like to invite anyone who flies on a regular basis to Flertalk.
-UFFA

From a creative real estate investing site of all places:Creative Real Estate Investing

Had a discussion on business credit. Came here and had my eyes opened. I personally have managed my credit fine, but hadn't done squat for my business. Am fixing that now...

I was on SDN- the Student Doctor Network. Someone mentioned it in one of their forums.

I am so glad I found this site. iIhad tears in my eyes the first day I read some of the info here. I can finally get this mess cleaned up!

I wanted to answer "other" by the grace of god...

I want to thank you all for this board....It's heaven sent! I have been doing it on my own by doing disputing and validation with one "ca". But finding this board has open me up to a whole new world.... I made some mistakes but now I have seen the light!!!

Still reading newbie section and view cr forum! I'm at war with cra's and ca's. I will take no prisoners and delete them all! Marching on to promise land of good credit.

I found this board through Free Advice Forums. I am paying two CA's this month and getting them out of my life, but I sure wish I would have found this information last year!

I will be using this to learn more about repairing my credit.

Thanks for all the hard work that goes into maintaining a site like this!

This is my first post. I found you guys by searching for "credit repair" a month ago. So far, all of my DH's negatives were deleted on the first try of "not mine". Mine, 3 out of 14. I can't explain how glad I am to have found you guys and to be able to share with you all what I have accomplished in 1 month thanks to you guys. THANK YOU, THANK YOU.

MrsKiffer

Via a post at AOC. This site seems more active, so I spend most of my time here "reading and learning".

Found this site via Google. I've been reading the forum and learning the tricks of the trade for a month and I figured it's about time I signed up.

Hi,
This is my first post here too I had a discusion about credit repair in one women's forum and one of the girls gave a link to this board. I heard about a possibility of credit repair from one mortgage broker and looked for information. People said that I was crazy if I want to clean the CR (for DH).

A friend of mine had recommended that I talk to Bud Hibbs. So I did. After chatting with him for a bit, he recommended that I check out CB and try DIY.

hmm was refered to this site a couple of years ago when the infamous (now deceased) CAMCO came calling, after finding some info on CAMCO thru cardreport (whatever happened to them?) and getting a helping hand from Picantel (thank you) CAMCO went away.

I found this site through the Wendy Williams msg board. someone posted the link.

Hey Breeze,

My credit is sooo bad the CB found me !!!


Beachfamily





GOOGLING all the way.

Another newbie here. After a few years of being in denial, it was time to wake up and get educated. I'm going about this the way I go about everything I don't fully understand; read, read, and read some more. I got hooked on MSN Money and found their forums, which mentioned this place. After browsing around for a couple of days, I decided you guys had the information I was looking for. I hope you guys can help me make sense of the mess I've gotten myself into, although I'm still a bit hesitant about making an actual post. Don't want to be the annoying newbie who asks repeat questions! Is it ok to jump in or should I lurk for a bit longer before asking questions? Anyway, hi!!

I found this board through another message board. I'm a current college student with an already rough start to credit history. I have just decided to get back on track with my credit score/report.

Over the past three years (since turning 18), I have tons of inquiries from applying for too many CC's, only one Cap1 with a measly $300 limit, and no bank account because I have a charged off account with a bank, that I am just now getting around to paying off. I did a free Lending Tree credit score finder earlier this year and the score reported was around a 530 or so. I would like to get within the range of "good" credit by the time I graduate. In about a month (or less, HOPEFULLY), I will begin the process to better credit by ordering my score report from myfico.com,

I look forward to being a CB Success Story!

By the way, does anyone know if I can order my own myfico.com score/report using a friend's Debit card? The person would sit while I order and enter her info, but the report needs to be in my name.

bump

........well, myself and Googlebot had stopped by a bar for a few drinks, one thing led to another and he introduced me to CB.

A while back I joined a site that had a lot of great info for getting started on cleaning up my credit. However their member forum was quite lame. It could go days without a post. The only thing I ever got from their forum of any value was a suggestion to check out CreditBoards.

The members of CreditBoards not only answered my questions. but have also given me many ideas on how to add new lines of credit.

simmah down nah

I found this thru a Subaru General Discussion forum.

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

You are the one giving bad info as I proved in another thread or two this evening.

Can you show me ANY example of "bad" information from one of the vets here?

Last year i was talking to a friend about purchasing a home but my credit was bruised and he directed me here. I came to the site once and took one look at all of the info, it was too much for me. I was a busy woman and didnt have much time. i never came back that year.

This year i started a new job and a co-worker was telling me about the site. Tired of renting and being a NEW business owner I took interest in the various forums and have made family and friends here on cb ever since. Its the best

I think this is beating a dead horse, but 2 examples:

Sending a letter RR will intimidate the OC to handle the claim faster. False.
If you dispute the balance on your TL, send an ID dispute. False.

no one said that sending it RR would cause an OC (or anyone) to handle claims faster...it's suggested to send it RR so you can prove when it was received if/when you end up taking the DF to court over their violations

no one has EVER suggested sending in a claim of ID theft when it wasn't true (and if they did, they got jumped on by the vets here). Claiming something isn't yours is different than ID theft...the account, as listed, is NOT the consumers. It's up to the CRA and DF to investigate the TL and discover what's wrong. Also, rarely does anyone dispute the balance of something. There's generally many, MANY things wrong with the TL as listed.

We're a discussion forum, not a CRO. You'll see all kinds of discussion posted here. Some from long standing members, some from new folks.
We try our best to correct things that aren't right, sometimes you'll have to read an entire thread and not just the first post or two to see the entire discussion.
We've had posts titled "new credit file with an EIN" and the first post or two seems to advise using an EIN in place of your social #.
You have to read the whole thing to see that we do NOT(!)recommend doing that-

Other times, things that appear "wrong" actually have a sound reason behind them albeit not an obvious one. Ask- we'll explain the "why" part if you are interested.

Imagine my surprise when as I was reading MSN Money one day, there was a reference to this site. Hm.. my curiosity peaked .. and here I am.

I am reading so much on CB that my husband asked me how many hours a day I was spending here! Hopefully he will see the benefits as I put my new knowledge (and great advice from you all) into action.

Picantel's wife and a few others are always recommending this site to members of the DIS boards(Disney Information Station). Most people there prefer to bash people that made credit mistakes in the past. Here at least we're all on the same page so to speak.

I found this site through a Personal Finance class at a community college, and am I glad I did!!!!

I've only been a member about 2 weeks and have already:

Opted out.
Ordered all 3 credit reports and my fico scores.
Disputed my addresses.

I'm looking forward to bringing up my credit scores to at least the mid 700's.

Thank's so much for this friendly informative site! You people ROCK!!!!!




Equifax 610
Experian 563
TransUnion 594

I found this site this past weekend while searching for sample validation letters...and I can't tell you how happy I am to have found it!

Everyone here has been so helpful!

It's nice to have someplace where you know you'll be able to find an answer, an insight or an opinion when you need it. And the facts provided here are fantastic as well.

KEEP UP THE AMAZING WORK!!!

THANK YOU GOOGLE!

I joined CB more than a year and a half ago.

A frequent poster on MSN Money's YourMoney message board (his screen name there is joey74) from time to time referred some inquiries toward CreditBoards when certain posters had a need to research a more in-depth explanation of a credit repair question.

My warmest thank you to joey !!!

I voted "search engine". But actually the search engine sent me to another site where I followed a link to the forum. Sorry but I don't remember which site it was that sent me here or I would give credit where credit is due.

Whoever's site it was... THANKS FOR THE LINK!!

I was looking at TrueCredit, and figured i would do a google search to find a better board...looks like i found it!

I was put on by another member.