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Found 12 results

  1. Hello All, As is said by many, this site is truly a godsend. I cannot commend you all enough for taking the time out of your schedules to assist people with rebuilding and understanding their credit. Thank you so much. I've been reading for awhile now and thought i'd take a stab at my first post in hopes of reaffirming the direction I think i should head. I get a bit overwhelmed when trying to figure out where to start. 1.) I've opted out 2.) I've sent letters to all CRA to remove old address. Below i've put on an excel spreadsheet the baddies on my account. I'm really ho
  2. Good morning I have decided the time is now to begin the long and tedious process I have begun reading about. I have acquired my credit report in paper form and I am now reading through the beginners section. I am currently reading through "PsychDoc's Credit Repair for Beginners" and will begin writing all over copies of my credit reports as it is directing me to do. I just wanted to say hello and thank you for any help you can offer. I do have a question though. Is it better to attack all of my bad listings at once or one at a time? Is it a personal preference or is there a reason to
  3. Hello all, It seems like forever since I have been here. In fact, it has been a few years I believe. A few moons ago, I got started repairing my credit and suddenly a divorce popped in front of me, then homelessness, and now I'm back on my feet with a great job and a place to live with extra money rolling in. My credit is still terrible and I really want it to be better. In the past I got as far as sending validation (or was it verification?) letters to the CRA's through CMRRR and got several replies back saying they were verified. I no longer have these documents, though.
  4. Hello all, It seems like forever since I have been here. In fact, it has been a few years I believe. A few moons ago, I got started repairing my credit and suddenly a divorce popped in front of me, then homelessness, and now I'm back on my feet with a great job and a place to live with extra money rolling in. My credit is still terrible and I really want it to be better. In the past I got as far as sending validation (or was it verification?) letters to the CRA's through CMRRR and got several replies back saying they were verified. I no longer have these documents, though.
  5. 4 new scores x 3 credit bureaus = 12 new FICO scores "Fair Isaac, the company behind the FICO credit scoring system, announced the latest generation of their credit scoring software. The new suite of FICO scores, called FICO 9, is a standard redevelopment of their commonly used credit scoring models." http://www.creditsesame.com/blog/what-you-dont-know-about-fico-9/?utm_nooverride=1&ref=Newsletter_08-29-14&utm_campaign=website&utm_source=StrongView&utm_medium=email
  6. Good Afternoon! I am new to this whole credit process...in terms of cleaning it up. I have a very low credit score with no open credit cards. I need too know how to obtain a credit report with all three scores listed....for free if possible. Then how do I begin deciphering through where to start? Someone help, please. Thanks!
  7. Hey everyone! I have been looking around and decided that this is the best place to discuss credit and get some real help raising my score. Right now it is a 596, eww. My first step was to sign up with credit repair.com, who, for 90 bucks a month, will be disputing the many blemishes on my credit reports. They now have all 3 reports that I have provided for them. My next step was to remove myself as an authorized user on my gf's 2 cards. These were my only credit cards so I didn't want to do this, but they are maxed out and i was advised to remove myself because it will remove debt from m
  8. Hello all! A little history, I've been in business for 2-years. Just recently began researching building my business's credit. I logged into the iUpdate DnB website to obtain my business's DnB report, and was shocked to see an item listed, even though I have not previously applied for anything in the past. My business had ZERO credit. It listed it as a 'Cash Experience' with the "largest high credit" of $750. It contains no information on it's payment in terms of the days until it was paid. Below this, it states under "Payment Details" that it was reported on 5/13 with noth
  9. This may be a simple question but I am kinda confused. I have 9 negatives on my account and there are a lot of posts stating how dispute got rid of there negatives. How do I even start disputing. What do I do? Does it work even if you really were late?
  10. So, I have been really reading, researching, following all adivice on what to read, where to start, even printing all records, triaging, and everything just like psychdoc suggested through the seminars. I am stuck now. I am so afraid to start sending out my validations to CA because I am terrified of waking a sleepy tiger. Several of the accounts that I will have to deal with are past the SOL in Nevada, so I know that they cannot come after me by way of lawsuit, but I am just afraid that I will somehow get the laws mixed up, or coe out as looking like an salamander and end up screwing myself i
  11. My friend is around 26 owns his own business and somehow has never had any credit. He was recently turned down by a cell phone company when trying to get a subsidsed phone. I'd like to help him as he's kind of a caveman with regards to the internet. We ran all 3 reports and also followed up with phone calls and he has nothing on his credit reports. He is now trying to start credit in case he needs a car loan or really anything in the future. I advised him to get a credit card and he is fine with a small limit secured card if that's the way to go, but to be honest it's been so lon
  12. I really need to establish credit in the name of my business. Please tell if I can be approved for anything at this point, or what my chances are. I started an LLC in 2009. This was in college, and part time, so the business never had any significant revenue. However, I recently scaled everything up, full time, and have been successful. I'm now at the point where the business is at $10,000-$15,000 per month in revenue. The history of this increased revenue is only a few months old right now, so it's not reflected on any tax returns yet. Now that my expenses per month are in the thous
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