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hferreiras

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  1. hferreiras

    Auto loan with no credit? Is it possible

    What do you mean, tobettercredit. Buy here pay here are decent option? Sent from my iPhone using Tapatalk
  2. I have few item that are not being reported accurate, I decide to hire a lawyer/credit repair agency. Been few weeks that I don't get a respond from the repair company what was exactly disputed. I was thinking to send letter to creditor instead of disputing it credit bureau to avoid receiving frivolous letter from bureau. Thank you in advance for any help. Sent from my iPhone using Tapatalk
  3. Right I understand, I have 90 days late on my CR, 2 years ago. Im trying to find how long does late payment affect score.
  4. I have a CreditKarma Account and in the payment history show that i have 191 payment ontine. Any idea how they come up with that number.
  5. hferreiras

    6 month of payment Credit card sitting on my CR Account

    Thank you so much, I really appreciate. Very helpful Sent from my iPhone using Tapatalk
  6. hferreiras

    6 month of payment Credit card sitting on my CR Account

    It's an old account, been that is few years old might help me on credit length. Sent from my iPhone using Tapatalk
  7. Back in 2007 I check my credit report and find out, someone had open a credit card on my name. I file a police reports for Identity stolen. Since that the card was paid on time i never disputed. But now recently i starting thinking if i should remove this account from my report, been that the limit is $250. i heard this forum says the cleaner the better. yes i still have the police report. a picture is bellow to show how it looks like. Show i ask to get this remove.
  8. hferreiras

    Disputing Late Payment from 2013

    Account is paid off, closed account. bank is Wells Fargo dealer. I refinance but I didn't get anything intone I was paying old bank. Was 90 days late. Sent from my iPhone using Tapatalk
  9. hferreiras

    Disputing Late Payment from 2013

    I have an late payment reported from 2013 that i was 90 days late. I disputed last year, wasn't unsuccessful, i think they ask me for document i didnt follow up. My question should dispute it again or should i just ignore it been that is from 2013? Would affect on decision when dealing with banks?
  10. Thank you so much, hope it works.
  11. I have a State Tax lien only on Transunion, But according to the county clerk where was file nothing come up. i dispute various way, last one was sending Section 609 FCRA Letters certified. Transunion says account come verified. i ask then that i want to see the court paper and they playing game; We (Transunion)send the paper that proof thats your account, i said to then of all letter that you send me the only one that i didnt get was the result, Can you reprint, ohh we can reprint those document. My question is : Should i try to dispute again using same method Section 609?
  12. This the error that we taking about right? Sent from my iPhone using Tapatalk
  13. Do you know for how long? Sent from my iPhone using Tapatalk
  14. Yes that's when I got that error, I was trying to submit a dispute. May 29, 16 using live report. Sent from my iPhone using Tapatalk

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