Got Bad Credit?? Need It Fixed??

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 06-25-2006, 08:11 AM         #21
markus 
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 YaStreetz said:

Will go out and check all of your creditors to validate slow pays lateness remove discrepancies and contest them
It costs 39.99 a month but can be stopped at anytime I have been doing it for 2 months gained 20 pts on my credit score
but can't you do all that yourself?
 11 years ago '04        #22
Shizz|M  OP
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 markus said:
but can't you do all that yourself?
Thats the reason for this thread so you wont have to pay nobody else..

Markus... these young kidd just dont understand
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 06-25-2006, 09:32 AM         #23
mc_breed 
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propps might need this
 11 years ago '04        #24
BigChrisP 
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props... i'm not really in debt right now.. but its always good to read stuff like this to keep from making major mistakes.
 11 years ago '04        #25
DJWho 
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good sh*t props all day long
 07-10-2006, 09:59 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.
 11 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???
 11 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, 10:13 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.
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 11 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.
 11 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.
 11 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.
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 11 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, 12:34 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, 01:50 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
 11 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, 10:23 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.
 11 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 07:44 AM..
 07-17-2006, 08:01 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, 08:35 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.
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