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PsychDoc's Credit Repair for Beginners


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Condensed by Mark in TN   Please note that you will need to be at MEMBER STATUS before you can access or download these files.     Member status is achieved through posting.  We do

I'm new to this and going to give it a read

  • 3 weeks later...
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  • 2 weeks later...

Hello Everyone!

I am new here to Credit Boards but I'm not all that new to credit repair. I actually cleared my own credit up about 6 years ago but unfortunately it needs to be done again. So, this document is really helping get back on my grind and to get everything setup correctly so that I my credit cleaned up without too many issues ( I pray).

 

Thank you so much for sharing this information, I am only in chapter 1 and I am already intrigue by the info Randy is providing.

 

I will be sharing my journey here on CB and look forward to all the wonderful support.

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How is every one, what is the best way to go about fixing your credit?

 

 

I actually have the same question and seeing the answer above this post, that will be my exact first step. My situation is that I had student loans that went into default and I went through the rehab program. Once that was done, the rep said the would follow up with me to continue the payments. That was two years ago, and now my score is in the low 500's. I've since contacted older lingering debts (called CA's, which I'm finding out isn't the right thing to do?) and I'm in the process of paying off the smaller debts in full (by small I mean in the 300's or 700's). My question, which is most likely answered in PsychDoc's document, is is doing this snowball effect with paying the highest interest acct down first then trying to get a secured CC a good way to build up my cred to what it was two years ago (700)?

 

I want to show that I'm responsible (at least now) and that I'm working to be better financially but there are so many hurdles along the way and because I don't know what the best approach is, I'm been recommended to this board.

 

tl;dr HALP!

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Breeze and All:

I mostly agree that.... " That information is general enough to still be accurate.",

and GREAT information,

however,

is there a topic/forum here that discusses any Identity Theft issues in general,,

or any 609(e) in particular,

vis a vis the PDocs 101 recommendations?

 

Thanks

 

U

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  • Admin

That may be one of the things that got broken when we had to do a security update on short notice, Everything should be back to normal soon. :)

Thanks for your patience.

 

Some people might have saved the files, so if you post in the main credit forum with a link show which ones you want, they might be able to send them to you,

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How is every one, what is the best way to go about fixing your credit?

 

Download the document in the first post in this thread, and read it. smile.gif

 

This link is down...will it be up again? I am trying to set up a binder to start cleaning up my reports...

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Does anyone have a copy of the file? It still doesn't work.

 

 

Sent from my iPhone using Tapatalk

 

Which ones are you having a problem with? I just downloaded and viewed both Psychdoc_s_Credit_Repair_for_Beginners pdf file (post#1) and the nutcase text file (post #27) without any issues.

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Does anyone have a copy of the file? It still doesn't work.

 

 

Sent from my iPhone using Tapatalk

 

Which ones are you having a problem with? I just downloaded and viewed both Psychdoc_s_Credit_Repair_for_Beginners pdf file (post#1) and the nutcase text file (post #27) without any issues.

 

Oh, yay - I hadn't noticed that the nutcase, etc. files were linked upthread. I was bummed that they didn't work from within the doc itself and was bracing myself to search for them. Thank you!

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Why??

 

I just found this amazingly awesome link, and downloaded the pdf to my ibooks. I'm looking at the dates on it. 2005!! 2005, back when our credit was in the toilet, and we were living in a hotel with our first son, who was a tiny baby, because no one wanted to rent to anyone who had an eviction on their reports. (Certain apartment complexes in northern VA can be ruthless and downright disemboweling with some of their collection tactics and psychology.)

 

Whhhy did I not find you people? I sat around on the net all day with a baby on my breast. I lived on the internet back then. (...ok, still do.) I searched and devoured information about credit. I struggled to understand debt to income ratio (which, I didn't quite get until I opened this link and started reading, we had it ALL WRONG.)

 

WHERE WAS MY HEAD? WHAT COMPLETELY TRIVIAL USELESS INTERNET TIME SUCK KEPT ME FROM FINDING YOU PEOPLE? What was I doing, spending too much time on mothering.com? You people were *right here* within a stone's throw distance, right in the days and years before we ended up filing bankruptcy, in 2007. We had to take a class first, and I *STILL* did not come out on the other side with a clear head on exactly how to use credit! I could have avoided all of that if I had pulled my head out from under a rock and found you people before hand! We could probably be owning a house right now. I'm overwhelmed with intense conflicting emotions right now, having observed the date on this seminar. We could have avoided bankruptcy!

Edited by CaptainJaneway
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