How you found creditboards

[eeyoresgirl]

hmm was refered to this site a couple of years ago when the infamous (now deceased) CAMCO came calling, after finding some info on CAMCO thru cardreport (whatever happened to them?) and getting a helping hand from Picantel (thank you) CAMCO went away.

[phillyNina]

I found this site through the Wendy Williams msg board. someone posted the link.

[Beachfamily]

Hey Breeze,

 

My credit is sooo bad the CB found me !!!

 

 

Beachfamily

 

 

 

 

 

GOOGLING all the way.

[asm]

Another newbie here. After a few years of being in denial, it was time to wake up and get educated. I'm going about this the way I go about everything I don't fully understand; read, read, and read some more. I got hooked on MSN Money and found their forums, which mentioned this place. After browsing around for a couple of days, I decided you guys had the information I was looking for. I hope you guys can help me make sense of the mess I've gotten myself into, although I'm still a bit hesitant about making an actual post. Don't want to be the annoying newbie who asks repeat questions! Is it ok to jump in or should I lurk for a bit longer before asking questions? Anyway, hi!!

[HopefulOneL]

I found this board through another message board. I'm a current college student with an already rough start to credit history. I have just decided to get back on track with my credit score/report.

 

Over the past three years (since turning 18), I have tons of inquiries from applying for too many CC's, only one Cap1 with a measly $300 limit, and no bank account because I have a charged off account with a bank, that I am just now getting around to paying off. I did a free Lending Tree credit score finder earlier this year and the score reported was around a 530 or so. I would like to get within the range of "good" credit by the time I graduate. In about a month (or less, HOPEFULLY), I will begin the process to better credit by ordering my score report from myfico.com,

 

I look forward to being a CB Success Story!

 

By the way, does anyone know if I can order my own myfico.com score/report using a friend's Debit card? The person would sit while I order and enter her info, but the report needs to be in my name.

[Beachfamily]

bump

[*GB*]

........well, myself and Googlebot had stopped by a bar for a few drinks, one thing led to another and he introduced me to CB.

[clueless alaskan]

A while back I joined a site that had a lot of great info for getting started on cleaning up my credit. However their member forum was quite lame. It could go days without a post. The only thing I ever got from their forum of any value was a suggestion to check out CreditBoards.

 

The members of CreditBoards not only answered my questions. but have also given me many ideas on how to add new lines of credit.

[BooM]

........well, myself and Googlebot had stopped by a bar for a few drinks, one thing led to another and he introduced me to CB.

<{POST_SNAPBACK}>

simmah down nah

[4x4GGG]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

[LKH]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

<{POST_SNAPBACK}>

 

You are the one giving bad info as I proved in another thread or two this evening.

[pryan67]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

<{POST_SNAPBACK}>

 

 

Can you show me ANY example of "bad" information from one of the vets here?

[reachinmygoals]

Last year i was talking to a friend about purchasing a home but my credit was bruised and he directed me here. I came to the site once and took one look at all of the info, it was too much for me. I was a busy woman and didnt have much time. i never came back that year.

 

This year i started a new job and a co-worker was telling me about the site. Tired of renting and being a NEW business owner I took interest in the various forums and have made family and friends here on cb ever since. Its the best

[4x4GGG]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

<{POST_SNAPBACK}>

 

 

Can you show me ANY example of "bad" information from one of the vets here?

<{POST_SNAPBACK}>

 

 

I think this is beating a dead horse, but 2 examples:

 

Sending a letter RR will intimidate the OC to handle the claim faster. False.

If you dispute the balance on your TL, send an ID dispute. False.

[pryan67]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

<{POST_SNAPBACK}>

 

 

Can you show me ANY example of "bad" information from one of the vets here?

<{POST_SNAPBACK}>

 

 

I think this is beating a dead horse, but 2 examples:

 

Sending a letter RR will intimidate the OC to handle the claim faster. False.

If you dispute the balance on your TL, send an ID dispute. False.

<{POST_SNAPBACK}>

 

no one said that sending it RR would cause an OC (or anyone) to handle claims faster...it's suggested to send it RR so you can prove when it was received if/when you end up taking the DF to court over their violations

 

no one has EVER suggested sending in a claim of ID theft when it wasn't true (and if they did, they got jumped on by the vets here). Claiming something isn't yours is different than ID theft...the account, as listed, is NOT the consumers. It's up to the CRA and DF to investigate the TL and discover what's wrong. Also, rarely does anyone dispute the balance of something. There's generally many, MANY things wrong with the TL as listed.

[radi8]

I found this thru a Subaru General Discussion forum.

 

I find it interesting since I worked for Discover Card for 10 years, spending the last 6 years working ACDV's, and the last 2 years of that focusing on the "103 Dispute", or more commonly known as Identity Theft Claims.

 

Curiousity has the best of me and I can see myself searching this forum for things I know, things I didn't know, especially bad information.

<{POST_SNAPBACK}>

 

 

Can you show me ANY example of "bad" information from one of the vets here?

<{POST_SNAPBACK}>

 

 

I think this is beating a dead horse, but 2 examples:

 

Sending a letter RR will intimidate the OC to handle the claim faster. False.

They're sent CMRR so that you have proof that it was received. Intimidation is a nice little "extra" with some CA's, but agree that OC's are not easily intimidated.

 

If you dispute the balance on your TL, send an ID dispute. False.

This one takes some explaination.

Referring to collection agency accounts, sending a "balance incorrect" dispute implies knowledge of the account. Counterproductive when you want it deleted.

 

"not mine" sure isn't the dispute of choice if you need an OC balance corrected.

<{POST_SNAPBACK}>

 

We're a discussion forum, not a CRO. You'll see all kinds of discussion posted here. Some from long standing members, some from new folks.

We try our best to correct things that aren't right, sometimes you'll have to read an entire thread and not just the first post or two to see the entire discussion.

We've had posts titled "new credit file with an EIN" and the first post or two seems to advise using an EIN in place of your social #.

You have to read the whole thing to see that we do NOT(!)recommend doing that-

 

Other times, things that appear "wrong" actually have a sound reason behind them albeit not an obvious one. Ask- we'll explain the "why" part if you are interested.

[DabsandTroy]

Imagine my surprise when as I was reading MSN Money one day, there was a reference to this site. Hm.. my curiosity peaked .. and here I am.

 

I am reading so much on CB that my husband asked me how many hours a day I was spending here! Hopefully he will see the benefits as I put my new knowledge (and great advice from you all) into action.

[GypsyJo]

Picantel's wife and a few others are always recommending this site to members of the DIS boards(Disney Information Station). Most people there prefer to bash people that made credit mistakes in the past. Here at least we're all on the same page so to speak.

[gi_jane]

I found this site through a Personal Finance class at a community college, and am I glad I did!!!!

 

I've only been a member about 2 weeks and have already:

 

Opted out.

Ordered all 3 credit reports and my fico scores.

Disputed my addresses.

 

I'm looking forward to bringing up my credit scores to at least the mid 700's.

 

Thank's so much for this friendly informative site! You people ROCK!!!!!

 

 

 

 

Equifax 610

Experian 563

TransUnion 594

Edited October 8, 2005 by gi_jane

[edna mode]

I found this site this past weekend while searching for sample validation letters...and I can't tell you how happy I am to have found it!

 

Everyone here has been so helpful!

 

It's nice to have someplace where you know you'll be able to find an answer, an insight or an opinion when you need it. And the facts provided here are fantastic as well.

 

KEEP UP THE AMAZING WORK!!!

[eyecool]

THANK YOU GOOGLE!

[DiggingOut]

I joined CB more than a year and a half ago.

 

A frequent poster on MSN Money's YourMoney message board (his screen name there is joey74) from time to time referred some inquiries toward CreditBoards when certain posters had a need to research a more in-depth explanation of a credit repair question.

 

My warmest thank you to joey !!!

[LadyJune]

I voted "search engine". But actually the search engine sent me to another site where I followed a link to the forum. Sorry but I don't remember which site it was that sent me here or I would give credit where credit is due.

 

Whoever's site it was... THANKS FOR THE LINK!!

[Bruski]

I was looking at TrueCredit, and figured i would do a google search to find a better board...looks like i found it!

[ph2072]

I was put on by another member.