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  1. Thanks - Does anyone have the mailing address and cost amounts for each of the 4 CBs?
  2. Its been a year, and I need a new copy of my credit report for 2023. Please tell where I can pay to obtain credit reports. I don't want the free reports or to sign up with any monitoring, et. Just pay and go for faster credit replies. Please send me the link where i can get the 4 CB reports for a fee. Thanks!
  3. I have a score in the 500 range. Want to get a secured credit card while rebuilding my credit. Can you recommend a good list of secured credit cards? Please share a link or location. thanks!
  4. I previously started a journey to improve my credit but can’t find my previous content. I want to obtain the 4 credit reports. I know that I shouldn’t use the free reports. Is there a place to find the cost. I visited their websites and they only want to sale the credit scores. Also I have read many templates on what should and shouldn’t be included in a letter requesting a copy with my personal information. Is there an up to date templAte , with Credit bureau information and pricing? Or links? thanks
  5. I have probably three (3) entries of tax liens on at least one or more of my credit reports. 1. State tax - individual, - Satisfied, my taxes were filed in another state because I moved. 2. State tax - individual, - satisfied, paid 3. State tax - individual - $3K balance - monthly payments I am planning to send letters to the CBs to have them removed. I looked online and see that Federal taxes will remove negative information but not states. Has anyone had any success with getting personal state tax - lien negative information removed? If so, what was your process? Thanks!
  6. Hello Fellow CB members, I was planning to start with a few dispute letters tomorrow. However, I think i should start with removing my old addresses information and making sure that my new address appears correctly. I am planning to send a copy of my license, utility bill, birthdate and SS number with my address removal letters. Issue: I pulled the free credit reports, so i think the CRA now have 60 days instead of 30. Should i wait for their removal before i begin my dispute letters. The free reports are going to slow my pace down, significantly, if I wait for their response. I am planning to send a letter every day until i have addressed all disputes for the next few days. Can you give me some advice on my strategy or how to improve my plan? Thanks, Debtstopay
  7. Hello everyone, I am in the process of writing a few credit repair letters to the three credit bureaus. The last time I wrote a few letters, some years ago, I think i recall at least one of the credit bureaus required that I ONLY use a dispute form and one at least required a copy of my drivers license, utility bill. Can you please verify which credit bureaus require a letter or dispute form only and type of identification. TransUnion Experian Equifax Thanks, Debts to pay
  8. thanks for the credit karma referral. I will check the website.
  9. Thanks, what is a "real TU 08 FICO score". It was an approval but they changed the conditions and gave me a very high interest rate but they offered me 10.99% for balance transfer for 6 months. I will take what I can get and use the best to my advantage.
  10. I am looking to start monitoring my credit scores. And, I want to do it on a budget. Which company has the best offer for all three scores? and or should I use the FICO scores? If so, which company should I use? I recently obtained a Discover cc and I was told that they would sent me a copy of my FICO score monthly. Is this the real FICO credit score? Is there a good plan or pattern to utilize to monitor and improve my credit score weekly or monthly? Thanks for answering all of my questions in advance. Any advice or recommendations would be helpful. My current FICO score from Discover as of 11/18 is 642. I would like a 720 score by June or earlier. Thanks in advance.
  11. Is there a utilization spreadsheet? I want to keep track of my utilization and credit score at a quick glance daily or weekly? Is there a company that will allow me to see my FICO credit score daily or weekly? Any coupons? Thanks!
  12. I am paying off several credit card balances. I want the creditors to update this information immediately. Which address do I write to get this done immediately? Would it be the correspondence address for disputes?
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