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Found 13 results

  1. Not sure if I'm posting in the right section. I worked for a credit repair company for the past 2 years. They did credit repair for $800.00 - $1500.00 per client. I have beening teaching people for the last 4 months how to get all accounts removed from their credit report for $200.00 from all three bureaus. If anyone is interested please contact me.
  2. I've recently returned to CB, I was an avid reader/contributor back in 2007 and 2008. I'm looking to buy a house in the next 12 months, so I'd thought I get re-acquainted. Thanks to everyone who posts here. As always, truly amazing bunch of folks on these boards. I have three private student loans from Sallie Mae that were all reporting lates beginning in September of 2010 through April of 2011. One had 180 days late, three times, the other two 150 days late three times. I entered a payment agreement in February and they agreed to not report any additional lates if I made three paymen
  3. I have multiple disputes for incorrect information being reported. How long do I wait before sending the next dispute to the CRA so it doesn't look like I just decided to have a dispute party? Days, week, month?
  4. So far I have been fairly successful in repairing my credit. The PsychDoc Transcripts have been VERY HELPFUL. However, I am a bit confused as to what I can accomplish as far as disputing inaccuracies is concerned. I apologize in advance if this question has been asked before I just can't seem to find the answer! My question is; If the payment amount reported and the date the account was opened is inaccurate on my report, can I request that the CRA remove the negative reporting associated with these accounts? I have 3 "30 Day Lates" that I'm desperate to get removed. If so, do I
  5. Hi Everyone, I am in the midst of my credit repair journey (lots of derogs resulting from a job loss in 2007). All of my remaining negatives fall off my credit reports between March-September of this year, but I'd love to see if I can get them removed sooner. I'll post my other negatives in other threads, but I'd like to keep this thread dedicated to LVNV Funding & Capital One. I have a collection account with LVNV stemming from an old Capital One charge-off credit card. The card was charged off in 2008 (according to the CRA, I have no documentation from the OC about this) and
  6. I currently have open disputes with EQ & TU for incorrect reporting on some TL's (not as obsolete). I haven't disputed them yet with EX because I was trying to get old addresses removed. They won't delete the old addresses, so I sent them another request to delete them. I doubt EX will delete the old addresses.. although the 2nd request hasn't been processed yet (that I know of). EX is the only CRA with earlier 7 year dates on the same accounts disputed for inaccuracies with EQ & TU. My question is, since I have a lot of different things going on with the CRA's, should I wait unti
  7. Four score and seven disputes ago our creditors brought forth on this continent, a new tradeline, conceived in my wallet, and dedicated to the proposition that all charge offs are created equal. Now we are engaged in a great dispute war, testing whether that tradeline, or any tradeline so conceived and so full of errors, can long endure. We are met on a great battle-field of that we call the Internet. We have come to dedicate a portion of our sanity, as a final resting place for those who here gave up their credit scores so that that my wallet might live on. It is altogether fitting and
  8. Am I the only one having issues with Chexsystems fax number??? I have been trying for the past few days to send my dispute!! The fax number that they have on file (602) 659-2127 doesn't even ring! I even called customer service an spoke with a few reps who informed that the trouble may be "due to backup" and was instructed to re-try "every 15 minutes." I have been trying for the past three business days. Anyone having or had a similar experience?
  9. http://www.ftc.gov/opa/2013/08/certegy.shtm The FTC’s complaint alleges, among other things, that Certegy did not follow proper dispute procedures. The complaint further alleges that Certegy failed to follow reasonable procedures to assure maximum possible accuracy of the information it provided to its merchant clients, as required by the FCRA. In addition to the allegations described above, the complaint alleges that Certegy violated the FCRA by failing to create a streamlined process for consumers to obtain free annual reports that they are entitled to; and establish and implemen
  10. Hi all: I joined credit boards a few days ago and have been fascinated with the wealth of knowledge on the boards. Thanks to all who take the time to assist, comment and give their opinion. I just pulled my credit report at have TU: 696, Ex: 683, Eq: 696 on 8/7 but then 708 on 8/12 from another source. Questions: 1. Is it possible to have a credit score jump 12 points in 5 days? 2. I have a few issues: a. ratio of debt to limits is too high. I have paid down to about 30% on each card. I am thinking of applying for a credit card or two to establish more trade lines, I
  11. Hello everyone, I lost my job about 4 years ago so I decided to go back to school and take on freelance work in order to build on my skills. Within a year of being laid off, I couldn't keep up with the minimum payments. Most of my credit cards had unemployment insurance and although I called within a month of being laid off the insurance never kicked in. I was so nervous about my situation that I completely withdrew, stopped opening the bills and allowed all 5 of my credit cards to go to collection agencies and my student loans to default. BAD! VERY BAD! I've been working for the p
  12. I am writing because my husband defaulted on his Wold Mark timeshare and they repossessed the points on his credit. One reporting agency is not reporting the World Mark loan at all, One reports it as a paid repossession with a $0 balance and one is reporting it as involuntary repossession with a balance of close to $16,000. We contacted the agency reporting it differently twice and both times World Mark states that it is reported correctly. We then attempted contacting World Mark again and they said the only record they have is that my husbands account is closed with no record of a bala
  13. Can EX update a baddie - remove the late, and not delete the TL from a closed account even if I requested them to delete? Account was IIB (of course) If so, does this happen often or are people still able to get TLs deleted when there are erroneous lates, dates, etc?
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