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Got Bad Credit?? Need It Fixed??


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 07-10-2006, 10:59 PM         #26
Coolz 
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 Shizz said
Yeha i got you on that... I was young and stupid.. they gave me a credit card in college ( BAD MIX)... then more came in. so now i actually knwo what it means and how its structured.. just gotta get it corrected. with out costing me an arm and a legg.
You just have 1 bad credit card debt? Trust me, you can get cars and all types of stuff with so-so credit. I'm talking about $10,000 in outstanding debt. But they will push your interest rate up, good credit is more about interest rate than it is about getting the actual loan. Most people have good credit, like myself because of that debit atm card, I swipe everything with that card. Only reason why I don't have a credit card, I recommend people to set one of those up before running out and getting a cred,it card. I get about 13 letters per week offering me credit cards.

 12 years ago '06        #27
kat717 5 heat pts
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I just got a call from a creditor saying I haven't made a payment in 6 months. And the truth is I haven't because I forgot all about the payments and thought it was junk mail. Because I got the credit card while I was in Korea. But it's a 1,200 credit card which was only a 1K limit. The dude said I had to pay the entire 1K off now.

Shizz What's Good???

 12 years ago '04        #28
Shizz|M  OP
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well you can dispute it.. when the address that you had when you were in korea... that would be your best angle. If you have something showing that you residecne was in another place then just dispute it as "Not your debt" they have to come up with some that proves that you owe then. but they have to be able to confirm that address which is ususly hard to do.

 07-13-2006, 11:13 AM         #29
markus 
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Yeah this credit stuff does work, I disputed an old negative item (from about 3 years ago) and it was erased immediately off my credit report. I've just called in to have my credit reports delivered to my house, once I get them, I'm gonna start using those dispute letters you gave out Shizz, hopefully that will put my credit back where it needs to be.

 12 years ago '06        #30
kat717 5 heat pts
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Okay so even though they had the address I had in Korea and the address I have now which. I can dispute it, because I was paying it in Korea but stop when I got to my new address.

 12 years ago '04        #31
Shizz|M  OP
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Thank Markus... I have been tring to Make an Defining outline that will help everyone out.... at the moment if you have anythign that you know will work in repairing you credit, please post it here..

Thanks.

 12 years ago '04        #32
Shizz|M  OP
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 kat717 said
Okay so even though they had the address I had in Korea and the address I have now which. I can dispute it, because I was paying it in Korea but stop when I got to my new address.
Pretty much you can play it off as thats not being you debt. if you paid it at you new address then you will have a problem but if you didnt then it will be easier.

 12 years ago '06        #33
kat717 5 heat pts
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Well I paid it when I gave them my new address and then I didn't get anything for like 2 months. And then I started to receive it, but thought it was one of those junk mail jumpoffs. And I want to get it fixed because it's with Chase!

 07-13-2006, 01:34 PM         #34
r s o n i s t 
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Thanks for this thread. Hopefully these letters will help a great deal :)

 07-16-2006, 02:50 AM         #35
eliot ness 
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Secured credit cards are a good way to repair bad credit or start your credit history off

 12 years ago '04        #36
hmarcelus 
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 Shizz said
OK the FirsT Rule i Learned is "Dispute EVERYTHING NEGEITIVE"
65% of the time the Creditors will not be able to keep up with your stuff and it will drop off in 30 days after they receive notice.. Law goverened
I disputed everything online, but what if they dont answer within the 30 days

 07-16-2006, 11:23 PM         #37
markus 
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 hmarcelus said
I disputed everything online, but what if they dont answer within the 30 days
yeah I just disputed my negative item online too. if the company that you have the account with doesn't respond to the credit agency about your dispute, they will delete it from your credit report.

 12 years ago '04        #38
Shizz|M  OP
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I did that too.. i have one major thing that im waiting to fall off..

*** Some ONline disputes mite take up to 45 days instead of the regular 30. * Just FYI.

Experian's online service allows you to Dispute if you believe that information on your report is inaccurate, or we provide instructions on how to request your investigation by phone. At no cost to you, we will ask the sources of the information to check their records. Incorrect information will be corrected; information that cannot be verified will be updated or deleted. Experian cannot remove accurate information or information verified by the source as accurate. An investigation may take up to 30 days and an investigation of information in a free annual credit report may take up to 45 days. When the investigation is complete, we'll send you the results.


Last edited by Shizz; 07-17-2006 at 08:44 AM..

 07-17-2006, 09:01 AM         #39
markus 
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I didn't do the free credit report thing, I actually called each of the 3 credit bureaus to request a report to be sent postal mail. I figured it was the best way since, its actually cheaper when you call over the phone and usually its sent within 1 business day.

 07-17-2006, 09:35 AM         #40
ladyofrage 
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has been my savior for years. i monitor any and all changes in my equifax report since it is the most used report and then i get my other reports too and i can dispute right on the website. FYI....Equifax will run multiple files with tons of incorrect information in a heart beat. Prepare for a long hard battle if this is the case.

 12 years ago '06        #41
kat717 5 heat pts
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has been my savior for years. i monitor any and all changes in my equifax report since it is the most used report and then i get my other reports too and i can dispute right on the website. FYI....Equifax will run multiple files with tons of incorrect information in a heart beat. Prepare for a long hard battle if this is the case.
Which one did you chose on that site?

 07-17-2006, 08:05 PM         #42
ladyofrage 
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i did all three so i know who has what what what to dispute. for a discount, use promo code 1105score to get 15% off of any item you purchase for the year of 2006. they have a new code every year and they always give me a heads up

 12 years ago '06        #43
kat717 5 heat pts
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Alright good looking out!!!

This company called MRS contacted me saying I had to pay my card off to a certain amount. But I said I'll pay them half now and half next month and they said I had to pay the entire ending balance. I was thinking just saying fu(k and then pay it off later. What do you think???

 07-22-2006, 10:10 AM         #44
ladyofrage 
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negotiate a payment plan with them on a settlement. if you can pay a lump sum at one time, make sure you get a settlement which is usually minus extra service fees. most will agree to do a set of 3-6 checks by phone to guarantee a payment plan but don't default on a payment plan or they may add all your fees back. if you wait to pay it later, one of two things may happen....

The account could get lost in the system so to speak and a dispute will have it deleted from your report
or
The collection agency will maintain great records, report you monthly, and you have 7 years bad luck.

 12 years ago '06        #45
kat717 5 heat pts
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Yeah I'lll just make the payments. Good looking out!!!

 12 years ago '04        #46
magnum man 
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How do I get a copy of my credit report? I see these ads online for like 39.99 and stuff, but isn't there a way to get my credit report for free?

 12 years ago '05        #47
dnut2005 
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 magnum man said
How do I get a copy of my credit report? I see these ads online for like 39.99 and stuff, but isn't there a way to get my credit report for free?

try

by law you get one free a year

 12 years ago '04        #48
magnum man 
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props

 12 years ago '06        #49
kat717 5 heat pts
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You could apply for something and get it from there.

 07-23-2006, 11:04 AM         #50
ladyofrage 
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no. apply for credit and getting turned down does not allow that company to give you the credit report they pulled. however, i does entitle you to a free report from the credit agency. by law, the person pulling your credit is not supposed to give you that information.

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