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  1. to remove an old address to remove an old closed account from 2001 and to remove a duplicate account.
  2. same thing with equifax. what is the best contact # for all 3 credit kings if you refuse to pay for another report from the king him self?
  3. i use cct to get my credit report. i just called 7 different phone numbers for EQUIFAX and all of them ask me for the conformation # on the top of my EQUIFAX credit report. i dont want to buy another credit report but do i have to?
  4. thanks for the stores! will a retail card help though considering i have multiple credit cards already? do i just need time to do its thing now?
  5. Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on September 30, 20027. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “verification†or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, Your Signature Your Name
  6. since jan of 09 I have been on a mission to improve my credit and i do not think i am doing a great job. jan 09 mid score was 530 now it is 620 i have a secured card as of feb 09 and another one from dec 09 both with 250 limit both used for basics like gas both paid off in full monthly a few days ago i was added as a co owner to my girl friends wells fargo card- they say it will improve my score we will see what happens as far as collection accounts i disputed 5 or 6 of them all removed. the rest will fall off due to age over the next yr or 2 what is next a retial card? if so what is the easiest one to get?
  7. I am looking for a monthly credit pull that pulls from the major 3 i also NEEEED to know the expected date my collections/inquires are expected to drop off. Thanks Eric
  8. and as far as opening up to trade lines. i opened a secured card through applied bank 3 months back- i read some where that you shouldn't apply for a lot of cards at once so is it time to open a 2nd or should i wait a while longer? I also would like to get a loan- i do not need money for anything but i would like to make payments on something... since i cant open an account @ a credit union i cant get a loan and use a cd as security- i dont think banks do this type of thing.. so how do i go about getting a loan for maybe 1k tops.
  9. no there isnt, i also have check systems screwing things up on old wells fargo debt. this is from 05. i have 2 bank accounts now but when i tried to open an account at a credit union i couldnt- should i let this fall off as well or will check systems screw things up for a while?
  10. thanks, i already rep[lied but my msg didnt show so.... my 2nd reply..... if it does not help my score what is the point... should i just take the money i was going to use to pay older debt to open up a 2nd secured credit card? i opened my first 3months ago. also how do i find out when this debt will fall off my report?
  11. how do i find out when this stuff falls off?
  12. yes it is from 06 the r cable tv and a land line phone so if paying off old debt does not improve score what is the point to pay it off? so should i take the 250 i owe them and open up a 2nd secured credit card for 250?
  13. im on the second page need to be on the first page for a reply!
  14. i have 2 small debts from 2006 with cox communications a total of like 250- i can pay this but the collection agency said i could pay 60% and they will be satisfied. if i pay 60% because thats what they told me they wanted will they report paid in full or what? will my score go up if i only pay 60% should i just pay it in full ? should i just forget about it since it will be falling off my report shortly Thanks

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