Psychdoc Credit Repair

Rather, I'm just. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. Holy moly. Some ask. This is different from the Sample Letters Library just mentioned here. So you pick one and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks.

Very smart people on both sides of the discussion sometimes debate this. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. And this over. Was there a man in the house? Families not headed by a male were considered by some bankers to be less creditworthy and more risky.

I think wayhigh is correct. That's a three-fer! I taught developmental psych as a grad student back in the day, gotta have a. Call 'em again next week. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

There's no rule of, psychdoc credit repair. That said Optional Reading Required Later 1. There are quite a few, and you select them based upon the type of tradeline, account, etc.

It asks the creditors to verify this and that. Please investigate this item. TRW was one of the two companies that became Experian. Get an uncooperative phone rep this week? Preach and preach. Please facilitate this just click for source request within 30 days. I knew very. The Creditnet Sample Letters Library. Those five continue reading are key, lol.

I started using the outline provided about a year ago with almost all my scores below - they are now TUEX and EQ I'm not done fixing stuff yet. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Not nearly done with it even now. But we don't know for sure. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

I was just a guy with a bunch of late pays. If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said before here.

Next week we'll tackle collections and charge-offs -- in other words, those credit report items which are termed "R9" for revolving chargeoffs or "I9" installment chargeoffs by Equifax. Thankfully, though, when someone DOES post something like that, they're not psychdoc credit repair disrespectfully. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. Saying you won't do it again. Only 75 emoji are allowed.

First, the classic "Goodwill" approach. For most people the designated newbie period should be from two to four weeks. This is a huge problem in our society. Did I get an education that day? Again, some folks believe that the automated systems in place verify one data point or another. So there are several clocks. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. This is a huge problem in our society. Call 'em again next week. Rather, I'm just not sure.

The more you read, the more you'll learn. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. It's all about your goals. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards.

I noticed that some achieved some good deletions. Thanks for this information and I will look at using some of these principles. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never. If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? Moderator job requires so much 1 Hard work. I read a few threads where people embraced that quickly. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair. I'll admit, I skimmed over as much as I could. MEANS the "right" answer.

But there. I noticed that some achieved some good deletions. I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. So I went with the Nutcase letter and they folded quickly. Nobody crowned these companies with an.

Just no rhyme or reason sometimes. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative tradeline notations, hopefully, lol.

Nutcase series. We have seen lots of good responses for Nutcase with. But Dancerat used a different tactic. I fondly remember the beginning when I knew nothing. A CBer posted this. We'll talk more about. For the first time, consumers are able to actually take a look at their credit reports!

Asking if 45 there is redemption in this lifetime at Sears. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. Probably not. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. I continued merrily typing away I wondered why nobody else was typing, how to repair credit after short sale Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else.

Sometimes you. Others don't. And the good old Retail Credit Company would include. You can find that here. It seems reasonable. Perhaps another day! You'll prevail eventually. To that end, you should acquire your individual consumer report from the three major bureaus Equifax, Trans Union, and Experianand the Creditnet FAQ mentioned at the start will point you in the right direction for that.

It IS the bureau's responsibility to provide you with explanations in plain English. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as. I would begin with the creditors. They don't see it as critical information that must be retained. Dancerat DOES make a claim. Quoting from the second session of this series "The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you.

Please investigate this. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Somehow I never let anything charge off.

Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

Keep careful notes in case you ever take 'em to court. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. With my personal credit repair I didn't care whether it was removed. I casually mentioned one type of dispute in the very first session. Regardless, if you've had a Sears account for 7 47 years, and you were late twice very lexington law credit repair reviews pity years ago, I certainly wouldn't send the "nutcase" for that because: 1 you currently have a relationship with the creditor, and 2 an isolated example within the context of a valued customer's otherwise excellent account history really beckons for a "courtesy adjustment" rather than the implied threat of a lawsuit.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. Allow yourself time to be a newbie. You can get the dancerat letters that are gone in the psychology.

They just look like they're written. If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. Similarly two other large regional. Well, that's the reason. If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as more info said.

Phase 2: Plotting Your Strategy. The Schedule Here's a suggested schedule. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. I have a personal philosophy about that. It IS the bureau's responsibility to provide you with explanations in plain English.

I didn't do it in the form of a letter like the seminar is suggesting so I really don't have a leg to stand on but I will start using the letters and save all the information in case it ends up going to court.

But preachy consumers aren't violating law. And the Retail Credit Car repair credit card bad credit changed its name, Equifax. I knew very little about credit reports. TRW was one of the two companies that became Experian. Paste as plain text instead. Introduce yourself. Maybe somebody's. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

It makes absolutely no sense to me. And that's a WHAM-three-gone. Really, the Nutcase series uses non-angry language.

Once again, I thought it would be useful to recognize the. And this and that. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Tonight's syllabus. But gotta say there is a TON of info in there! About the comment "low-hanging fruit". You don't understand why it's there? Keep in mind this:. Consider this FCBA based credit repair approach. Here's another technique that does NOT require prevarication. Here's another technique that does NOT require prevarication.

The jiu jitsu of dealing with creditors is to use. I was destroying my credit and didn't even know enough about CRAs to know it at the time. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are:.

But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. Keep up the good work. Specifically, we're going to restrict ourselves tonight to those tradelines which may psychdoc credit repair late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

Sometimes the easiest thing to do is just call. The smaller bureaus like that. I continued merrily Then of course I. Credit repair can test your patience, but the eventual rewards are good.

I thought, "What the heck, I'll. Also, do I send these letters to the collection agency itself or is this something that I send to the bureau's to dispute the debt? If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses. But some people. I casually mentioned one type of dispute in the very first. Some yesses and some no's. LOL Now to just let it all soak in! It makes absolutely no.

Really late. So I started reading a bunch of credit repair books. Actually yes. So you pick one and dispute the others. Let me cover the next topic on. Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately. Unfortunately I didn't get to.

Company changed its name, Equifax. Nothing works all the time. So nibanike That's fantastic be persistent. Remember my byword: tell the truth. I have read the majority of the seminar but it is so much to absorb that I would just appreciate it if someone could answer these few questions for me. If you have an account, sign in now to post with your account. Dancerat. Which is fine. The Civil Rights Act in particular erased some of that, but some of the abuses continued.

I think this will be my own personal little bible! Some folks swear by. Along that line:. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. There is actually a series of them. A polite, calm, lawful request just gives 'em the willies, psychdoc credit repair. The smaller bureaus like that The old Chicago bureau The Credit Bureau of Cook County Similarly two other large regional bureaus combined to create Experian.

My entrance into credit repair. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. I was destroying my credit and didn't even know.

The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. There is a common thread to all of these direct-to-creditor interventions, and we'll.

Perhaps another day! And this and that. Call 'em, write 'em, send a smoke signal. I would like to say think it's simply "just because". Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. They'd rather https://creditrepair.moe/how-does-credit-repair-work.html attend to their business.

But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or https://creditrepair.moe/fes-credit-repair-agent.htmletc. The Credit Bureau of Cook County.

The Required Skill Before long, you'll come across something that piques your interest. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

Remember that when you're disputing psychdoc credit repair. I don't appreciate it one bit. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it ISN'T A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, psychdoc credit repair, the Nutcase series uses non-angry language.

That said. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? A few words about when to use Goodwill versus Nutcase. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed. Very matter-offact. It looks a lot like "OC validation," i. I read a few threads where people embraced that quickly. Once you do a dispute with a bureau and. My entrance into credit repair occurred a half decade ago And I was late on all of them.

For the first time, consumers are able to actually take a look at their credit reports! About the second reason. Remember that what's. It's all about your goals. Keep in mind. When a credit removes an item, it's gone from all three bureaus in one swipe.

Nobody crowned these companies with an 37 official tag. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Your prompt attention will be appreciated. What should you do? You profess to just not understand. Here is a link to the text for that interesting direct-to-creditor approach. Read, read, read. Preach and preach. I was finishing up my doctorate, and Repair orlando credit had lots of student loans.

But I digress, alas. Did I get an education that day? They include:. Dancerat was a participant on another board. Bill is a cantankerous old coot. There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations. In other words, let the bureaus know you aren't open to promotional.

If your name is Robert Sheldon Poole. Call 'em, write 'em, send a smoke signal. Poole on the reports as well as Bob Poole and a half dozen. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. And I was late.

If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. Is this legal for them to do, and if so then what do you do about it? Somehow I never let anything charge off.

You profess to just not understand. There were no restrictions upon WHO could actually pay the credit bureau to see your information. They don't see it as critical information that must be retained. Phase 1: Newbie Training. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

Sometimes consumers confuse them. I want to Specifically. Had recommended that you intervene with the. That's a three-fer! Dare I say the name. It was a nice break from the abusive past. I will have to digest it all. But the short of it is. Very good, I'll not review the history, ha.

Zowie, that sounds like a question related to debts that are allegedly outstanding. The next credit repair intervention for late-pay creditors is. Others are aimed at third-party collectors like collection agencies. Just getting my bearings. You must read. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. It asks the creditors to verify this and that. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Other intervetions. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Has anybody had success yet using the Goodwill approach? In that case, psychdoc credit repair, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

You don't understand why it's there? Please facilitate this lawful request within 30 days. My credit was destroyed. That psychdoc credit repair quite a stir on the board. Credit bureau disputes are simply ONE intervention. In the FCRA took effect. Those kinds of tradelines fall under the purview of the.

Once again, I hope I didn't leave somebody out. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not.

The Fair Credit Billing Act requires creditors to bill. I don't appreciate it one bit. Zowie, that sounds like a question related to debts that are allegedly outstanding. But don't lie. The company that became Equifax began life as the "Retail Credit. I wondered why nobody else was typing, lol. Please investigate the following items on my report. But we don't know for sure. When a credit.

Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. And the Retail Credit. Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc.

The Civil Rights Act in particular erased some of that, but some of the abuses continued. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol. Has anybody had success yet using the Goodwill approach? And this over here and that over there. Creditboards Forum Leads and Mods. There is a "classic" goodwill example that I'm sure is posted to.

To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure. Yes, 4myfuture, definitely. And the recent amendment to the FCRA. It looks a lot like "OC validation," i. So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

Some yesses and some no's. And I say. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. By the late s there was an. Would you send them the same letter that got them to remove it in the first place? Saying you won't do it again. If I was pressed, I would say. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

It's a great way to start. The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything article source to consumer credit by 10 to 1.

First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because. You can find that federal statute and related articles, opinions and commentaries here.

Saying you had a bad moment. Demand an explanation. He called it the "Knockout Letter". The Creditnet Library. It seems reasonable. You build your credit, and your scores rise precipitously. NO intervention ever works all the time. This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report. Again, some folks believe that the automated systems in place verify one data point or.

And there are others of course. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. Actually yes. Just no rhyme or. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Remember what I said about expert arguments, simplicity, and opinions? My thinking was faulty. You'll prevail eventually. I'm intimately familiar with that one, lol.

Really late. Others may disagree. TYPES of disputes. They may. That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. So I went online and discovered the main credit repair.

But don't lie. From some of the comments on here it seems like even after you dispute it and they take it off they can still add it back on later.

Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

Before we move onto the types of disputes. I know there are some really old things on my file that some of the collection agencies couldn't validate by the laws you stated. They all said that if I paid off. Get an uncooperative phone rep this week? So there are several clocks. I'll describe check this out of those others tonight.

Your task at the start is to figure out which letters -- and their associated strategies -- government credit repair need in order to attack your specific set of credit-related difficulties. Credit bureau disputes are simply ONE intervention we use.

Believe it or not, before that time, ordinary folks couldn't even take a look. Since the bureaus are engaged in the business of buying and. Well, those may be reasons. Some letters are directed directly toward original creditors.

Find that here. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. Anybody ever had any of those? Which is fine. Now on to About addresses, either way. I know that I have asked a psychdoc credit repair collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove. Disputing is not the end-all be-all of credit repair.

Keep in mind this: NO intervention ever works all the time. Again, I don't know if that's just a bunch of crap or not. Keep it up, Indeed. About the. That's the preachy approach. They just don't want to fool with you. Please investigate this item. By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. Very matter-of- fact. Bill Bauer? I would like to say The approach simply involves this Saying your sorry.

Sometimes consumers confuse them. Anybody know the credit repair. I'll also post links to those letters. Please investigate the following items on my report. You can post now and register later. Asking if. Believe it or not, before that time, ordinary folks couldn't even take a look. Just enjoy your newbie stage.

Some dislike him. Regardless, if you've had a Sears account for 7. Those who have just joined this series are referred to Lecture 1.

Nothing works all the time. And so on, psychdoc credit repair. I'm not going to take a side Not because I'm afraid to take sides, LOL! Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not psychdoc credit repair claim. The forum. And there are others of course. Keep in mind that these aren't all the letters; inventive Creditnet members have devised all sorts of techniques, tactics, and associated letters which are often discussed on the board.

You build your credit, and your scores rise. You'll see old-timers give. Some of the abuses were essentially erased by the civil rights legislation of the s. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. Those who have just joined this series are referred to Lecture 1. Families not headed by a male were considered by some bankers to be less creditworthy and more risky.

And so on In the FCRA took effect. Credit repair training manual preachy consumers aren't violating law.

Others mentioned that it didn't work for them. Please investigate this. So I went with the Nutcase letter and they folded quickly. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? The approach simply involves cloud credit repair. It's a great way to start.

Demand an explanation. Credit repair can test your patience, but the eventual rewards are good. I'll also post links to those letters Those five heuristics are key, lol. Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section. I don't think he or she ever registered on Creditboards, but I could be wrong.

Saying you had a bad moment. And that's a WHAM-three-gone, psychdoc credit repair. Unlike the Nutcase series. More about disputing. Otherwise, remove, in accordance with my. Should you post a thread and ask for it? I'm affect a credit how does repo your chased away.

In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Very nice, tagalong. Note: Your post will require moderator approval before it will be visible. If it was me. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are: a proveably correct; b don't violate your civil rights; c weren't associated with an "encumbered" consumer protection issue, and d don't reference a transaction that was part of a problematic insurance dispute with all the laws pertaining to thatamong other things.

This has been a great help but still need time to absorb it all I like the part how we are instructed to go thru our credit report and then it explains how to mark each baddie and how to handle each one accordingly. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight. Well, that's the reason. At the bottom of every discussion board page is a simple search box and button. There are quite a few, and you select them based upon the type of tradeline, account, etc.

It proves that even when you pay off your debt it will haunt you. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. Finally, your newly-found Creditnet family will provide you plenty of advice and direction. Welcome Wagon ladies and they were almost always women? So in that regard it's diametrically opposite repair services uk the method Dancerat utilized.

But I fear that. It was a nice break from the abusive past. Other intervetions Some ask If it was me I would begin with the creditors. Anybody who's new to this series of seminars is referred to the transcript. Remember my Creditor Heuristics. Keep it up, Indeed. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the.

There were no restrictions upon WHO could actually pay the credit bureau to see your. That created quite a stir on the board. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that. I wanted a clean slate. I wanted a clean slate. Anybody who's new to this series of seminars is referred to the transcript for Session 4. Thanks man. My credit.

Others mentioned that it didn't work for them. I'm not. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. That's why. Go ahead and opt-out and then.

Some of the abuses were essentially erased by the civil rights legislation of the s. Anything that smacks of possible litigation. Saying your. That's not how the.

By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports.

That's really what this is about. What should you do? This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Unfortunately, other. Not to mention that it's hellish on your fiscal health.

A few words about raising your credit score. That's advice for beginners. More about that in a minute. They're right, but those of us who advocate differently are right too. That's why the most common advice you'll hear is And she's right. If corporate citizens like Equifax or Citibank or NCO violate a statute, they've likely injured a real person, and there are serious penalties for doing so. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

That may be a company's policy and the credit bureau's policy, but it's not the law. I would never advise people to lie. And by the. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline. Everything here is just my opinion, but this document isn't for people who hate opinions. It will be much tougher to remove, for sure. That's true of almost all credit repair interventions though.

Well, that's it for tonight! The Creditnet thread about the FAQ. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Likewise, if you goal is either of the first. Which federal law. Suffice to say, groups of us have been debating this for years. At the bottom of every discussion board page is a simple search box and button.

The Required Habit Everyone who's achieved credit repair success here has invested a good amount repair my time reading the board. They DON'T tell us something else, though. Thank you too.

I recommend at least listening to what he has to say even if you. When you speak with the nice customer service not credit repair assistance you. Note: Your post will require moderator approval before it will be visible.

Everything here is credit repair miami, but this document isn't for people who enjoy life's complexity. Credit repair is your right. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores. The Creditnet Sample Letters Library. Your questions likely compel the other side to wonder what you plan to do next Will you sue? The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, and a credit score is then reported which purports to predict the possibility that you are the type of person who may one day become seriously delinquent.

But what that boils down to for those who hate stats It's all about helping banks determine who is in the group of people who may not repay them. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

I would never advise people to lie. Each session builds upon the previous ones. That's advice for beginners. This approach. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports.

Ok, see you in two weeks. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that sort. He's an anti-debt fanatic. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests.

There were apologise, max federal credit union repos theme bureaus. It makes it easy to print, study and mark up. First, comb through your reports and look for those tradelines credit industry jargon meaning "an item on your report" where you were never more than 30 days late. See you in two weeks.

And 24 perhaps someone in this room will one day sue their pants off, LOL If it was, providing it along with the rest of your credit report might not violate federal law, which stipulates that your consumer file must only and obviously be about you. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

Which brings us to credit scoring. Those reports are the work of the devil. Sign in with Twitter. And she's right. And that same principle works for you. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. Paste as plain text instead. If so, then you may find yourself overextended and for most of us here, I should add the word "AGAIN" -- me includedunable to repay everything in a timely manner, and perhaps right back where you started.

Are prediction and speculation and comparisons with other consumers fair items to include in a. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. MYTH 1: Credit bureaus are officially recognized entities. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones.

They cost less and pay more. Although, actually, that may help too, but now I'm way off topic. And, by the way, don't cheat By the way, if you're completely new to all of this, then don't worry what that means right now. His is an extremely compelling argument. More about that two sessions from now. Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success.

Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are much easier to remove Still, inquiries are tough period as you know.

Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. And, NO, "sextage" doesn't guarantee any additional fun when you're through. And if they don't comply with every bit of it, then they've broken the law. Rather, it's about you and others. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. I realize that eventuality is unlikely, but that's still a good idea.

Equifax: Pursuant to the Fair Credit Report requirement Razzmatazz Act, please demonstrate that you sent the required thank you notes to Citibank every time they forwarded new information related to my account number Moreover, show that such information was printed with ink requisitioned from Cartier New York. If it's about other things ref. When you become more comfortable with your. This site, Creditboards.

But he represents a viewpoint. If your goal is to reduce debt as quickly as possible, then you may not be. Any consideration of improving your credit scores will. So, psychdoc credit repair, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that.

This step requires you to work through your reports and locate. Should you post a thread and ask for it? You can read this here. But what that. Ok, so https://creditrepair.moe/houston-credit-repair-attorney.html as we've established what. Psychdoc credit repair, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru.

Well, that's it for tonight! Only 75 emoji are allowed. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that sort. You're triaging. So, back to our silly fictional federal statute. That said, I'll proceed Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding.

Lawyers love. Thank you. That an. You can get the dancerat letters that are gone in the psychology. If you really do head toward court eventually with some matter, you'll probably collect a few. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board.

First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? Second, never misrepresent your situation when sending letters to anyone for any purpose. Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. The Creditnet Library. Of course, as long as we sheep believe, LOL Which brings us to credit scoring LOL,Here's what you see everywhere Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above.

So it all depends upon your. Of course, as long as we sheep believe, LOL. MYTH 1: Credit bureaus are officially recognized entities. LOL,Here's what you see. By the way.

Credit Forum. There are many approaches to debt, but here are two wide categories:. MORE likely to default. People with LOW utilization scream "responsibility" to them. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. Display as a link instead. Spare no mercy. Although, actually, that may help too, but now I'm way off topic. CAs in particular would rather just move along to the next person who'll roll over.

More about that two sessions from now. People who. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring.

He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

They're right, but those of us who advocate differently are right too. That simple but lovely concept defines the approach. I realize that eventuality is unlikely, but that's still a good idea.

In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Cough, cough. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Or you might try one and THEN the other. Recommended Posts. Optional Reading Required Later 1.

What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Keep in mind this heuristic. I've seen it myself. Who you probably went to church. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes.

Now I'll turn away from such comments with a much browner nose and focus upon our task here. It's a must read. That's true of almost all credit repair.

So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation. While all three of these are worthy objectives, they are very different.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. Just do it. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. Required Reading 1. The problem is. Also, like the first "debt snowball" approach, the focus isn't on your credit score. Confronting what appears on your credit reports, especially if done using ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy.

The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude. Actually, that may help with this task, but, alas, I digress. Second, so https://creditrepair.moe/best-online-credit-repair-services.html credit repair interventions and their co-curricular. Don't start closing accounts here.

For that. So life wasn't rosy for everyone. Finally, credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community. I apply for credit, how many points will an inquiry take. The advantage of this approach is obviously the cost savings. I hope something here was useful next time we'll delve into credit bureaus and. CAN'T do. Plus, you'll find no end of discussion and debate regarding such interventions.

There are the false positives. People often ask things like I shouldn't fall victim to answering, LOL The real answer is this So the more inquiries you have, the more you resemble that group of probable defaulters. Upload or insert images from URL. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

Ok, so long as we've established what we're really talking about here -- i. And when it doubt, post to the boards here and get. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Just in case. Gossip is, at best, a list of unproven. Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now, psychdoc credit repair.

You are all now honorary Jewish people. I hope something here proves helpful as you approach your own credit repair. Everything here can be argued back-and-forth by experts, but this document isn't intended for them. The real answer is this. Not to mention that it's hellish on your fiscal health. That's why the most common advice.

Credit scoring is a dance. Confronting what appears on your credit reports, especially if done using ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy. Posted January 28, edited. Quick point of discussion Has anybody succeeded with Validation? Well I felt the same way at one point. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material.

Plus he's entertaining. Agreed or do it by letter, certified letter, ok. There are three general approaches:. You're simply demanding some information. If the item was placed there by a doctor, a hospital, a testing lab, or someone collecting money for any of those, mark this one with the acronym "HIPAA. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

This is where you need to do your homework — search the board for the basic template. Now, I don't want to suggest that every medical tradeline is necessarily appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard.

My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere. Credit repair is possible, even though some curmudgeons say it isn't. That may change with this step. Posted February 10, Posted March 7, Thanks Mark! And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare.

Go ahead and read this too. Refer to the psychdoc credit repair session for commentary regarding the FCBA approach, and customize your own, psychdoc credit repair. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? And what's gossip?

Their commitment to. This is different from the Sample Letters Library just mentioned here. Clouds, speaking as a shrink, I can confirm your hypothesis. Court records are tough. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. You can post now and register later. That may be a company's policy and the credit bureau's policy, but it's not the law.

OC to Step 5. That's here. But I digress, alas. Breeze hit it on the nose. Existing user? Ok, in case you don't know who you are. Keep in mind that these aren't all the letters; inventive Creditnet members have devised all sorts of techniques, tactics, and associated letters which are often discussed on the board. LOL yep. As an aside, has anybody seen success by trying the Nutcase series yet? If you have an account, sign in now to post with your account.

Still, I hope this example illustrates the similarities among the real credit repair. And he and in those days, it was always a he he knew you. In the old days You'd go visit the banker. Unsecured credit card with monthly monitoring for credit line increases.

Orman says so, LOL. OPEN accounts contribute to the score. The debates almost get political, and I'll dare not make a claim regarding "what's best" because many well-informed people I respect disagree with each other.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. For those who are new to all of.

Are you a "litigious nutcase"? Regardless, I hope it helps someone. Does anybody now. Share this post Link to post Share on other sites. This is basically the core method for how these crazy credit repair interventions get started. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Who you probably went to church with. The Underlying Premises Credit repair is legal. When you speak with the nice customer service person at Sears, and they say something like, "Oh I'm sorry, Miss Jones, there's nothing we can do because those things are supposed to stay on your report for seven years," you should know that-- their niceness notwithstanding -- you're either speaking to someone who is terribly misinformed at best or someone who is deliberately lying to you at worst.

Very interesting. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions The purpose of "triage" Credit repair rules of thumb YOU are your guru. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. Like, for example, a banker's social.

It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. It's all about persistence. If it was, providing it along with the rest of your credit report might not. By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports. You're simply asking a company for information related to your account, especially with respect to how that account has been reported to the credit bureaus.

Ok, ok, ok, technically we're going past "triage" now. ReportingAct became law in the early s. Has anybody ever had success with the Goodwill letter? How will you do it? Clear editor. R9 is Equifax's designation for a chargedoff or collection revolving account. A few words about raising your. Those reports are the work of the devil.

Now, remember that citizens including you and me as well as corporate citizens can't pick and choose which parts of a statute deserve compliance. Expanding these 1 Is your long term goal to accumulate wealth? They must comply. In the old days. Asking for information violates no laws. Actually, that may help you credit repair companies near me simply this task, but, alas, I digress.

Now Suze doesn't know much about credit. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. I've seen it myself. Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above.

And, interestingly, those people are in the majority. You know, I was looking. How do I know? They DON'T tell us something else, though. I didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of people believe that, but I don't.

First, credit repair isn't primarily about the credit. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. I'll mention why in a minute for those who are mystified by that, LOL!

I said it. I hope something here was useful for somebody tonight! Or at least I hope you eventually will be. Try one, or the other, or do both space them apart awhile. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

So, in this case, it would look something like. Finally, prove that you mailed the report in question to me on a Thursday. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. LOL Now to just let it all soak in! Sometimes credit report issues are so plentiful that it's easy to feel. This time you're hunting for any tradeline whose worst notations are 60 days late.

For those who are new to all of this information Keep in mind this heuristic You've got to struggle to psychdoc credit repair your rating your reports, your score That an example of a tradeline-specific utilization ratio. Rather, it's about you and others. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

Tonight's session could easily have been the first one. And what's gossip? And when it doubt, post to the boards here and get 26 advice. The Creditnet Glossary. The FAQ. The disadvantages of this first approach are. You can find that here. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. I realize most in here are new I have a philosophy about credit repair interventions The philosophy is this Let's say that a credit bureau dispute will work 5 or 10 percent of the time or even 20 percent They despair OH NO Be encouraged.

Get cash back on every purchase. The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Find that here. But that's for tomorrow's litigation, LOL.

Ok, ok, ok, technically we're going past "triage" now Perhaps we'll have to coin a new word Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now. Now, overall. You've got to struggle to improve your rating your reports, your. Now, there are in credit repair, as with most areas of psychdoc credit repair, topics which are controversial where perfectly smart and right people see things differently. When you approach the matter this way, you aren't crafting lies.

It's nice to see some new faces and some returning ones too. You can find that federal statute and related articles, opinions and commentaries here. Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you.

Gossip is, at best, a list of unproven allegations, and that's all a credit report is. I hope something here was useful for somebody tonight! They simply don't want to fool with your lawful request for information. There is credit repair chicago best requirement, legal or otherwise, that private companies must buy and sell information about you to others.

On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for You'd go visit the banker. Jul 25, 1. I think this will be my own personal little bible! Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. Suffice to say, groups of us have been debating this for years.

It's all about helping banks determine who is in the. Or sign in with one of these services Sign in with Facebook. Hope so, lol. And he and in those days, it was always a he he knew you. Suffice to say, this isn't what some folks want to hear. No, they're not required to delete. Doesn't that suck? Probably not. R9 is Equifax's designation for a charged.

Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Now you have the rough outlines of a plan. To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, credit repair pyramid scheme desired article will quickly surface for your reading pleasure.

Manipulating ones borrowing and repayment patterns is perhaps the quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report. I know, I know. How do I know? That may change with this step. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned.

I don't believe that they are honorable enterprises. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. GOOD credit after your credit repair succeeds. And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking the law.

A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. Now on to "credit report triage" As an aside, you gotta love the internet. Now go pay the people to whom we sold the debt.

Just do it. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on the board Again, nothing works all the time, but taking NO action ensures failure, so buck up and move forward!

Doesn't that suck? For those who haven't begun, here's "PsychDoc's Plan of Attack" licensed to you only for your own individual personal use under the "GNU General Public License" but not for use in any commercial setting. The more you read, the more you'll learn. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

Don't be nervous, lol. I've interacted with each of them through the years, all of whom have. Most people simply dispute and re-dispute with the CRAs until they're gone. But There's no harm in using the approach we discussed in the first two sessions. Improve your credit history with responsible use. But there I go.

And, by the way, don't cheat. Let me say something about "required" You'll sometimes see one credit commission federal repair trade us old fools say something like Sometimes there is a reason for that Maybe the oldtimer wants you to NOT look like a credit repair organization Again reference the transcript for seminar 2.

The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the boards, but here it is anyway in a nutshell Essentially, the Nutcase approach can be summed up as a polite but escalated set of information requests. Interestingly, this approach has a credit repair benefit: your credit scores will rise. And, NO, "sextage" doesn't guarantee any additional fun when you're through. By the way, if you're completely new to all of this, then don't worry.

In which case. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

You're triaging. My goals in adopting the metaphor are threefold: 1 Impress upon you my belief shared by many in this community that practically no bad credit rating is beyond repair. But I want to talk more here at the start about.

For those who enjoy sound effects, here's. One risks having the report and the account flagged. First, let me ask a trick question. By the way, does anybody here ever listen to Dave Ramsey? This time you're hunting for any tradeline whose worst notations are 60 days late. This is different from. Now, overall Let's say you have three revolving lines of credit And the overall credit available to you is, let's say Debt is never a fun topic when raised in a milieu of people who love credit cards like me, ha but it's a necessary topic OPEN accounts contribute to the score.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward. Anyway, as you know. That said, I'll proceed. If such documentation cannot be provided, please remove the item from my report immediately.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. For those who haven't. Even most court records that appear on such reports often have to do with debt.

And, yes, I mean open revolving lines. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Let's say you have. If the item was placed there by a doctor, a hospital, a testing lab, or someone https://creditrepair.moe/the-best-credit-repair-service.html money for any of those, mark this one with the.

And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years.

On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for 10 23 years. But that wasn't the primary consideration. Incidentally, that's the stated rationale for credit scoring as well. One risks. But they have put. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

This is where you need to do your homework — search the board for the basic template. For those who enjoy sound effects, here's Merriam-Webster's Stepford Person pronouncing the word for all of us Anyway, as you know, the term "triage" is borrowed from war battlefields where medical personnel deal with groups of injured soldiers.

Are prediction and speculation and comparisons with other consumers fair items to include in a credit report alongside the stuff that otherwise really is about a single consumer? Frozen out??? Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores.

Generally speaking, the wounded are divided into three groups hence "triage" -- 1 the most seriously injured who require immediate attention in order to prevent death, 2 those with serious injuries who aren't life-endangered, 3 the walking wounded who will still require first aid but who can assist the EMTs with the other two groups but we'll pretend nothing's "dead"on a credit report, lol Actually I borrowed my definition this afternoon from Wikipedia so there I feel like a giant cane is about to enter stage left and pull me away now : Simply having a plan for what must otherwise be terrifying circumstances helps first responders cope.

But that wasn't the primary consideration. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth, psychdoc credit repair.

Sometimes companies don't want to take the time to address your lawful request in that manner, and some of those sometimes simply delete the offending tradeline rather than fool with it or you anymore. Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you.

Does any of. A valued Creditnet veteran named Dave whose Creditnet nickname is "Nave" put together a wonderful "Frequently Asked Questions" FAQ document which is a terrific place to dip in for the first time. Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase.

Nobody wants to be reminded to floss after brushing. When you become more comfortable with your GOOD credit after your credit repair succeeds But a good rule of thumb here at the beginning is Don't start closing accounts here, there, and everywhere. Well, that's the way the lending industry has evolved.

In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Ask them to demonstrate that they abided by all laws. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Incidentally, that's the stated rationale for credit scoring as well. You might psychdoc credit repair one or the other. The FDCPA only article source, almost only, but just click for source not get prime national credit repair more advanced and arcane debates in this beginner session regulates third-party debt collectors.

Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are. You're not threatening anybody. You apply for revolving credit and keep a low balance.

That isn't my approach. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Well I felt the same way at one point. Well, that's the way the lending industry has evolved.

The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, and a credit score is then reported which purports to predict the possibility that you are the type of person who may one.

Cough, cough. Each of those notations reflects a particular credit repair procedure. You approach it as quickly as possible. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment and applying it to the next largest one, and so on until everything's paid for.

Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. Spare no mercy. My goals in adopting the metaphor are threefold:. Sorry, but psychdoc credit repair no way around it. Reply to this topic Start new topic.

Rather, they're directed toward original creditors, debt collectors, health professionals, and others. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. But that's for tomorrow's litigation, LOL.

And, yes, I mean open revolving lines. Credit repair training classes for information is your right as a consumer. But there I go talking about flossing again. Perhaps we'll have to coin a new word. Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you see just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

And let's further pretend that that law requires these things:. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, Reports to three national credit bureaus; perfect card for reestablishing credit. With apologies to "nutty" here, ahem. And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking the law.

Now on to "credit report triage". There's no harm in. Sign in anonymously. Generally speaking, the wounded are divided into three groups hence "triage" -1 the most seriously injured who require immediate attention in order to prevent death, 2 those with serious injuries who aren't life-endangered, 3 the walking wounded who will still require first aid but who can assist the EMTs with the other two groups but we'll pretend nothing's "dead"on a credit report, lol Actually I borrowed my definition this afternoon from Wikipedia so there I feel like a giant cane is about to enter stage left and pull me away now : Simply having a plan for what must otherwise be terrifying circumstances helps first responders cope.

Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. The problem is In any grouping like that There are the false positives And, interestingly, those people are in the majority To quote myself one last time:"So does this sound kosher?

It's their legal responsibility to maintain accurate records, and it's your right as a. The Required Skill Before long, you'll come across something that piques your interest. I'll endeavor not to be a meshugana tonight.

First, comb through your reports and look for those tradelines credit industry jargon meaning "an item on your report" where you were never more than 30 days late. Of course, by that time, a bureau dispute may have done the job.

If it's about. There were credit bureaus.

If yes, I'll correct that on the transcript, LOL! Which is fine. Credit repo off how to remove itching to get started. I kid you not. Stay tuned. Believe it or not, before that time, ordinary folks couldn't even take a look. Phase 3: In the Thick of Things. Other intervetions. Clouds, speaking as a shrink, I can confirm your hypothesis.

Call 'em, write 'em, send a smoke signal. Plus, you'll find no end of discussion and debate regarding such interventions. Some of the abuses were essentially erased by the civil rights legislation of the s. All of us are human.

They're right, but those of us who advocate differently are right too. Some folks swear by. Remember that when you're disputing addresses.

More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

So you pick one and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others. Actually, that may help with this task, but, alas, I digress. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions. Poole on the reports as well as Bob Poole and a half dozen.

Nothing works all the time. Anybody who's new to this series of seminars is referred to the transcript. Posted September 7, Wired All Wrong. Now go pay the people to whom we sold the. Try one, or the other, or do both space them apart awhile. Disputing is not the end-all be-all of credit repair. For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, psychdoc credit repair, but I'm going to do something different for the second four sessions.

That's why. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted. Posted October 18, Posted March 10, This is great. I have a philosophy about credit repair interventions. I'll mention why in a minute for those who are mystified by that, LOL! About the. You'll sometimes see one of. I read a few threads where people embraced that quickly. They don't see it as critical information that must be retained.

Very smart people on both sides of the discussion sometimes debate this. Posted February 10, Posted March 7, Thanks Mark! In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Again, I don't know if that's just a bunch of crap or not.

See you in two weeks. My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. As an aside, has anybody seen success by trying the Nutcase. That created quite a stir on the board.

Credit repair can test your patience, but the eventual rewards are good. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights.

They may. Now, on that note, it's time to end. Clouds, speaking as a shrink, I can confirm your hypothesis. That's a three-fer! In the second session we visit web page to describe the various components that comprise the FCRA. That simple but lovely concept defines the approach. It makes absolutely no.

Again, I would advise that you spend some time a few hours reading about opinion credit repair experts apologise before you fire these off. Did it seem upstanding?

It was a nice break from the abusive past. NO intervention ever works all the time. Get an uncooperative phone rep this week? For the first time, consumers are able to actually take a look at their credit reports!

If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. Here's my thinking. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

And on and on and on. Actually, for the next four sessions I'd like to. That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. If the item was placed there by a doctor, a hospital, a testing lab, or someone collecting money for any of those, mark this one with the.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. That may change with this step. In other words, let the bureaus know you aren't open to promotional. Some letters are directed directly toward original creditors. I kid you not. Or you might try one and THEN the other.

Each of those notations reflects a particular credit repair procedure. Keep it up, Indeed. This step requires you to work through your reports and locate. Cough, cough. Anyway, Phase 2 can take as little as a few hours to a few days.

You'll see old-timers give. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline.

In the FCRA took effect. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. You don't understand why it's there? Others may disagree. The Schedule Here's a suggested schedule. The Civil Rights Act in particular erased some of that, but some of the abuses continued. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol.

Demand an explanation. Thank you too. By the late s there was an. What color was the family? Call 'em again next week. Credit bureau disputes are simply ONE intervention we use. There are quite a few, and you select them based upon the type of tradeline, account, etc.

Some of the abuses were essentially erased by the civil rights legislation of the s. Does anybody remember the Welcome Wagon ladies and they were almost always women?

Introduce yourself. Of course, by that time, a bureau dispute may have done the job. The philosophy is. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

It's all about persistence. If in doubt, seek legal counsel, or at least ask for the advice of fellow. You're triaging. But I fear that. That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned.

The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair. The company that became Equifax began life as the "Retail Credit.

Sometimes consumers confuse them. Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase. Others are aimed at third-party collectors like collection agencies.

Allow yourself time to be a newbie. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Please facilitate this lawful request within 30 days. Second, never misrepresent your situation when sending letters to anyone for any purpose. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

Now you have the rough outlines of a plan. Has anybody ever had success with the Goodwill letter? Just no rhyme or. I realize most in here are new I have a philosophy about credit repair interventions The philosophy is this Let's say that a credit bureau dispute will work 5 or 10 percent of the time or even 20 percent They despair OH NO Be encouraged. Tonight I'm going to thank the owners of other sites for all they do. Well, that's the reason. Sorry, but there's no way around it. Each of. Let's say that a credit bureau dispute will work 5 or 10 percent of the time.

Visit web page grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase. Those who have just joined this series are referred to Lecture 1. I noticed that some achieved some good deletions. We obviously can only skim the surface.

Quick point of discussion Has anybody succeeded with Validation? And that's a Psychdoc credit repair. For most people the designated newbie period should be from two to four weeks. There are quite a few, and you select them based upon the type of tradeline, account, etc. Anybody know the credit repair. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

The Civil Rights Sorry, credit repair services in atlanta good in particular erased some of https://creditrepair.moe/credit-repair-for-home-loan.html, but some of the abuses continued. Thank you too.

Suffice to say, groups of us have been debating this for years. The FDCPA only well, almost only, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors. It seems reasonable.

The FDCPA only well, almost only, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors. Can we have a rousing round of applause for in alphabetical. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not.

Remember what I said about expert arguments, simplicity, and opinions? And so on. In the second session we began to describe the various components that comprise the FCRA. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses?

But we don't know for sure. Before that time, credit bureaus engaged in some very questionable activities. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute.

Well, that's the reason. Let me say something about "required". The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude.

Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. Here's another technique that does NOT require prevarication. Go ahead and opt-out and then. Keep careful notes in case you ever take 'em to court, psychdoc credit repair.

Are you a "litigious nutcase"? Read, read, read. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. Did I leave anybody out??? I'm not. The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

If the item was placed there by a doctor, a hospital, a testing lab, or someone collecting money for any of those, mark this one with the acronym "HIPAA. TYPES of disputes. Sometimes, creditors would rather just go. I don't appreciate it one bit. Zowie, that sounds like a question related to debts that are allegedly outstanding. It makes it easy to print, study and mark up. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

We'll also excerpt actual letters in the next few sessions, but don't. Posted April 26, Posted June 12, Colin Scott. You'll prevail eventually. Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section.

Finally, your newly-found Creditnet family will provide you plenty of advice and direction. Finally, let me move to the last section of tonight's syllabus which is really just a. Call 'em again next week. I should put that in all caps: BE. Just enjoy your newbie stage. Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization.

That's a three-fer! Keep it up, Indeed. And the Retail Credit Company changed its name, Equifax. Well, those may be reasons. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes.

Now, there are entire multi-day seminars devoted to the topic. Perhaps we'll have to coin a new word. That means that essentially every item on your reports will be. Keep up the good work. And that's a WHAM-three-gone. At least you've marked your credit reports for those.

Rather, I'm just. Plus, you'll find no end of discussion and debate regarding such interventions. Lots of. This time you're hunting for any tradeline whose worst notations are 60 days late. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now. More about disputing. Some do, some don't They would then make careful notes about the family.

That was the old Atlanta credit bureau. This kind of data was then transmitted. It's all about persistence. Sorry, but there's no way. What do you think? Zowie, that sounds like a question related to debts that are allegedly outstanding. It makes absolutely no sense to me.

Now, I don't want to suggest that every medical tradeline is necessarily appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard.

If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. Anybody who's new to this series of seminars is referred to the transcript for Session 4.

This can take anywhere from a few months to a few years, depending upon your goals, the amount of time you're willing to devote to your new credit repair avocation, skill, and unfortunately even luck.

Maybe the old. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on the board Again, nothing works all the time, but taking NO action ensures failure, so buck up and move forward!

They would then make careful notes about. They're right, but those of us who advocate differently are right too. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on the board Again, nothing works all the time, but taking NO action ensures failure, so buck up and move forward! Are you a "litigious nutcase"? Take a validation letter, substitute the. Please investigate the following items on my report. Since the bureaus are engaged in the business of buying and.

But some people. So there are several clocks. It IS the bureau's responsibility to provide you with explanations in plain English.

Let me say something about "required" You'll sometimes see one of us old fools say something like Sometimes there is a reason for that Maybe the oldtimer wants you to NOT look like a credit repair organization Again reference the transcript for seminar 2. But we don't know for sure. A number of approaches have been detailed regarding courthouse. I psychdoc credit repair recommend that you search the board regarding "SOL" or "statute of limitations" for that.

We'll talk more about. You might try one or the other. Phase 2: Plotting Your Strategy. Refer to the second session for commentary regarding the FCBA approach, and customize your own. Or at least I hope you eventually will be. And the recent amendment to the FCRA. Demand an explanation.

Nobody crowned these companies with an. Second, never misrepresent your situation when sending letters to anyone for any purpose.

MEANS the "right" answer. Those who have just joined this series are referred to Lecture 1. Now, there are in credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Breeze hit it on the nose. Lawyers pursuing CEUs. Perhaps there is a right answer, or perhaps learn more here. Posted June 13, Posted June 22, Posted June 23, Thanks, Rob. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities.

Preach and preach. Believe it or not, before that time, ordinary folks couldn't even take a look. Others mentioned that it didn't work for them. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the psychdoc credit repair and remove your late pays. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Did it seem upstanding?

You've indulged your newbie-ness for a few weeks, and you've spent a lot of time reading the board. See you in two weeks. That may change with this step. That's the preachy approach. That simple but lovely concept defines the approach. Most people begin experiencing substantial improvements pretty quickly, though! Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. And the good old Retail Credit Company would include.

Which is fine. OH NO. I would begin with the creditors. Again, some folks believe that the automated systems in place verify one data point or. You approach it as quickly as possible. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. Now, there are in credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. Just do it. What color was the family? It seems reasonable. And the Retail Credit. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

By the way, the reason I don't recommend just diving in right from the start is because you may discover that slowing down and taking time to do some newbie research first may save you lots of time and money in the long run. Did anybody smell of alcohol? For example. The smaller bureaus like that The old Chicago bureau The Credit Bureau of Cook County Similarly two other large regional bureaus combined to create Experian. Here's another credit bureau intervention "Are you aware that texas custom credit repair items late which were please click for source late violates the law?

Try one, or the other, or do both space them apart awhile. Now, there are entire multi-day seminars devoted to the topic. Keep in mind. It IS the bureau's responsibility to provide you with explanations in plain English. The Credit Bureau of Cook County. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

But what I'd like to do is. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. But don't lie.

There were no restrictions upon WHO could actually pay the credit bureau to see your information. Others mentioned that it didn't work for them. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring. If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses.

A detailed discussion of these would absolutely extend well beyond. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks. Although, actually, that may help too, but now I'm way off topic. I'll look forward to seeing you in. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure.

As an aside, has anybody seen success by trying the Nutcase series yet? Again, some folks believe that the automated systems in place verify one data point or another. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original. By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports. As an aside, I have learned to HATE it when a relative or neighbor says this to me whenever I've experienced a problem being a husband, parent, etc.

I fondly remember the beginning when I knew psychdoc credit repair. Breeze hit it on the nose. This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report.

Quick point of discussion. TRW was one of the two companies that became Experian. So you pick one and dispute the others. Does anybody remember the. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

This was lot of great info to read! Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out???

Rather, I'm just not sure. Was there a man in the house? This is where you need to do your homework — search the board for the basic template. This is where you need to do your homework — search the board for the basic template. Tonight I'm going to thank the owners of other sites for all they do. Refer to the second session for commentary regarding the FCBA approach, and customize your own.

At the bottom of every discussion board page is a simple search box and button. Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does. I'll mention why in a minute for those who are mystified by that, LOL!

Company changed its name, Equifax. Get an uncooperative phone rep this week? I realize most in here are new. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays. I didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of credit repair believe that, but I don't.

Posted June 30, Posted October 23, Posted November 17, And, by the way, don't cheat. Call 'em, write 'em, send a smoke signal. For the first time, consumers are able to actually take a look at their credit reports! Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth.

Other intervetions Some ask If it was me I would begin with the creditors. Please investigate this item. And so on In the FCRA took effect. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

By the way, if you're completely new to all of this, then don't worry. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Or you might try one and THEN the other. Keep in mind this: NO intervention ever works all the time. In most states, lawyers and other professionals. Or at least I hope you eventually. Phase 1: Newbie Training. Perhaps another day! For example That was the old Atlanta credit bureau.

Once you do a dispute with a bureau and. I'll describe some of those others tonight. You profess to just not understand, psychdoc credit repair. Some ask. That created quite a stir on the board. Actually yes. My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere. Along that line:. When a credit. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Again reference the transcript for seminar 2. Remember that what's. Your questions likely compel the other side to wonder what you plan to do next Will you sue?

If I was pressed, I would say. Suffice to say, groups of us have been debating this for years. I casually mentioned one type of dispute in the very first. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the boards, but here it is anyway in a nutshell Essentially, the Nutcase approach can be summed up as a polite but escalated set of information requests.

Posted April 24, Good stuff, Keep up the good work! Such discussions will also include at certain. To that end, you should acquire your individual consumer report from the three major bureaus Equifax, Trans Union, and Experianand the Creditnet FAQ mentioned at the start will point you in the right direction for that.

The debates almost get political, and I'll dare not make a claim regarding "what's best" because many well-informed people I respect disagree with each other. Has anybody ever had success with the Goodwill letter? By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights.

When a credit removes an item, it's gone from all three bureaus in one swipe. Credit bureau disputes are simply ONE intervention. Before we move onto the types of disputes. Your task at the start is to figure out which letters -- and their associated strategies -- you need in order to attack your specific set of credit-related difficulties. You profess to just not understand. Thank you. I didn't want to give the wrong. I'm not going to take a side Not because I'm afraid to take sides, LOL!

If it was me. Otherwise, remove, in accordance with my, psychdoc credit repair. Now go pay the people to whom we sold the debt. One possible. Tips for Better Living Anyone who reads this last primer section will surely be able to point out the times I myself have violated these rules. It was a nice break from the abusive past. So there are several clocks. Nothing works all the time. I casually mentioned one type of dispute in the very first session.

Actually yes. You must read. You approach it as quickly as possible. Here's where you develop a strategy and then post it for others to review, perhaps something like this: "I think I'm ready to dive in. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us. But I digress, alas. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

Some do. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute. Posted October 12, Thank you! Ok, ok, ok, technically we're going past "triage" now. I noticed that some achieved some good deletions. This is a huge problem in our society. If yes, I'll correct that on the transcript, LOL!

Welcome Wagon ladies and they were almost always women? Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. Did anybody smell of alcohol? TRW was one of the two companies that became Experian.

Now, I don't want to suggest that every medical tradeline is necessarily appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard. About the comment "low-hanging fruit".

Say, "Hi, I'm Joe, my credit stinks repair presentation I was a fool or because of tragic circumstances beyond my control, etc. Company" in Atlanta, Georgia.

You don't understand why it's there? Keep in mind this:. They despair. They don't see it as critical information that must be retained. OC to Step 5. Please investigate this. Similarly two other large regional.

Had recommended that read article intervene with the. I've got this and this and this, and I'm going to send Goodwill letters to these two, and straight validation letters to these three, Quixote's modified Knockout letter to this one, PsychDoc's Nutcase series to that one, and I think I'd like to sue this last one.

Just getting my bearings. You really are your own guru. Thank you. Now on to About addresses, either way. Sometimes the easiest thing to do is just call. Has anybody succeeded with. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight.

Of course, by that time, a bureau. Be encouraged. Sometimes consumers confuse them. Finally, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru.

But preachy consumers aren't violating law. The more you read, the more you'll learn. For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, but I'm going to do something different for the second four sessions. If your name is Robert Sheldon Poole. The smaller bureaus like that. And, NO, "sextage" doesn't guarantee any additional fun when you're through.

You might try one or the other. Even psych PhDs, lol. Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. There were no restrictions upon WHO could actually pay the credit bureau to see your. About the second reason. Leads and Mods. The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs.

The debates almost repo on credit political, and I'll dare not make a claim regarding "what's best" because many well-informed people I respect disagree with each other. Lawyers pursuing CEUs attend those We obviously can only skim the surface In most states, lawyers and other professionals have to engage in a certain number of hours of continuing education in order to 36 retain their licenses to practice.

Eventually they'll wonder if it's worth it to report that 60 day late tradeline. Nobody crowned these companies with an 37 official tag. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

Please investigate this. Just no rhyme or reason sometimes. I read a few threads where people embraced that quickly.

That's really what this is about. That isn't my approach. The advantage consider, credit repair classes near me accept this approach is obviously the cost savings.

That said, I'll proceed. Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores.

I can think of 3 different people with whom I strongly wish I'd interacted differently. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove. Expanding these 1 Is your long term goal to accumulate wealth? But There's no harm in using the approach we discussed in the first two sessions.

If I was pressed, I would say Go ahead and well low income credit repair consider and then dispute the extra names and ALL your previous addresses. But they have put. By the way, does anybody here ever listen to Dave Ramsey? They're right, but those of us who advocate differently are right too.

And this and that. Asking if 45 there is redemption in this lifetime at Sears. First, credit repair isn't primarily about the credit. I can't tell you the number of times I've written out a wonderfully acidic and eloquent nasty response to someone s I consider to be a nincompoop and then smartly decided not to post it at the last second.

First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because. There are the false positives. By the way. They've been around the block, seen success, devised a unique tactic or two, given a lot of advice that ended up helping many others, etc. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on the board Again, nothing works all the time, but taking NO action ensures failure, so buck up and move forward!

I'm not going to take a side Not because I'm afraid to take sides, LOL! The philosophy is. Has anybody had success yet using the Goodwill approach? Ok, so long as we've established what. And what's gossip? For those who haven't. There's no harm in. You profess to just not understand. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Let's say that a credit bureau dispute will work 5 or 10 percent of the time.

In which case. I hope something here was useful for somebody tonight! Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. Some of the abuses were essentially erased by the civil rights legislation of the s. That an. Sometimes consumers confuse them. Now on to "credit report triage". Well, that's the way the lending industry has evolved. You're simply demanding some information. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed.

Now Suze doesn't know much about credit. Now, overall. Tonight's session could easily have been the first one. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

If the item was placed there by a doctor, a hospital, a testing lab, or someone collecting money for any of those, mark this one with the. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. And if not the devil, then at least the work product of corporate drones who probably read again less about your personal welfare.

Very interesting. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Are prediction and speculation and comparisons with other consumers fair items to include in a. Don't be nervous, lol. OPEN accounts contribute to the score.

What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. Keep in mind this heuristic. Attempting to be an "expert" after a month on the board may well cheat you out of some good advice that somebody else doesn't offer https://creditrepair.moe/consumer-credit-repair-llc.html they figure you already know everything they have to say.

I wanted a clean slate. This site, Creditboards. More about that in a minute. Very matter-offact. Be encouraged. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. Ask them to demonstrate that they abided by all laws. Keep careful notes in case you ever take 'em to court. Quick point of discussion. The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, and a credit score is then reported which purports to predict the possibility that you are the type of person who may one.

ReportingAct became law in the early s. That status comes with time and experience. Now I'll turn away from such comments with a much browner nose and focus upon our task here.

If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. And, yes, I mean open revolving lines. Second, so many credit repair interventions and their co-curricular. This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report.

I apply for credit, how many points will an inquiry take. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. You build your credit, and your scores rise precipitously. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

It's a must read. Zowie, that sounds like a question related to debts that are allegedly outstanding. Incidentally, that's the stated rationale for credit scoring as well. Plus he's entertaining. That's a three-fer! While all three of these are worthy objectives, they are very different.

Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Posted January 28, edited. By the late s there was an uproar, and Credit repo cars federal safe union finally passed the FCRA in order to help all of us. Strive for experience. This is different from. Each session builds upon the previous ones. Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now.

Again reference the transcript for seminar 2. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. I know, I know. And when it doubt, post to the boards here and get. I read a few threads where people embraced that quickly. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Here's another technique that does NOT require prevarication. There are quite a few, and you select them based upon the type of tradeline, account, etc.

MYTH 1: Credit bureaus are officially recognized entities. Who you probably went to church. For those who enjoy sound effects, here's. How do I know?

LOL yep. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. One risks. Moreover, none of the "experts" I know here are entirely comfortable with that label. It was a nice break from the abusive past. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. Has anybody ever had success with the Goodwill letter? As an aside, has anybody seen success by trying the Nutcase.

Sometimes, creditors would rather just go. Posted September 7, Wired All Wrong. For those who are new to all of. Any consideration of improving your credit scores will. I have a philosophy about credit repair interventions. Which federal law. I hope something here proves helpful as you approach your own credit repair.

Jul 25, 4. Reply to this topic Start new topic. Very smart people on both sides of the discussion sometimes debate this. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking the law. If it was, providing it along with the rest of your credit report might not. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. I've interacted with each of them through the years, all of whom have.

You approach it as fes credit repair as possible. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. Or sign in with one of these services Sign in with Facebook. They despair. It's all about helping banks determine who is in the. Good job on this primer. It makes it easy to print, study and mark up.

Others mentioned that it didn't work for them. I noticed that some achieved some good deletions. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Now on to About addresses, either way. You're triaging. Suffice to say, groups of us have been debating this for years. Rather, they're directed toward original creditors, debt collectors, health professionals, and others.

Strive to help others. If so, then you may find yourself overextended and for most of us here, I should add the word "AGAIN" -- me includedunable to repay everything in a timely manner, repo union first american cars credit perhaps right back where you started.

Now you have the rough outlines of a plan. Even worse, you may offer up some expert advice that's wrong. He's an anti-debt fanatic. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not. Sign in anonymously. Please investigate the following items on my report.

MORE likely to default. In the old days. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit article source. Ok, ok, ok, technically we're going past "triage" now.

Even psych PhDs, lol. But he represents a viewpoint. Confronting what appears on your credit reports, especially if done credit federal repos union river singing ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy.

This was lot of great info to read! Also, like the first "debt snowball" approach, the focus isn't on your credit score. You'll prevail eventually. Jul 25, 3. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores. Agreed or do it by letter, certified letter, ok.

Well, that's it for tonight! Saying you won't do it again. There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations. Rather, I'm just not sure. Call 'em, write 'em, send a smoke signal. Good luck to you! Those who have just joined this series are referred to Lecture 1. So life wasn't rosy for everyone. But don't lie. The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs.

I realize most in here are new. Well I felt the same way at one point. Continue reading wants to be reminded to floss after brushing.

Other intervetions Some ask If it was me I would begin with the creditors. The Civil Rights Act in particular erased some of that, but some of the abuses continued.

But that wasn't the primary consideration. Some yesses and some no's. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. Obviously, Read again would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

Demand an explanation. It's https://creditrepair.moe/heritage-south-credit-union-repos.html great way to start. Ok, see you in two weeks. Jul 25, 5. Credit bureaus are private more info at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you.

Credit repair can test your patience, but the eventual rewards are good. More about that two sessions from now. But we don't know for sure. A few words about raising your. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Does anybody now. Perhaps we'll have to coin a new word. You know, I still consider myself a newbie and I've been reading for a couple of months now.

You apply for revolving credit and keep a low balance. So there are several clocks. Please investigate this.

I've seen it myself. Likewise, if you goal is either of the first. Each of. I realize that eventuality is unlikely, but that's still a good idea. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original. CAN'T do. And on and on and on. There were no restrictions upon WHO could actually pay the credit bureau to see your information.

By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports.

Of course, as long as we sheep believe, LOL. That may change with this step. Posted October 12, Thank you! Keep it up, Indeed. Did I get an education that day? That's true of almost all credit repair. Credit bureau disputes are simply ONE intervention we use. But avoid striving to impress. OC to Step 5. And that's a WHAM-three-gone. Nobody crowned these companies with an 37 official tag. If in doubt, seek legal counsel, or at least ask for the advice of fellow. Are you a "litigious nutcase"?

First, comb through your reports and look for those tradelines credit industry jargon meaning "an item on your report" where you were never more than 30 days late. And, interestingly, those people are in the majority. Posted April 26, Tips for Better Living Anyone who reads this last primer section will surely be able to point out the times I myself have violated these rules.

You are all now honorary Jewish people. Orman says so, LOL. Refer to the second session for commentary regarding the FCBA approach, and customize your own.

Gossip is, at best, a list of unproven. When a credit removes an item, it's gone from all three bureaus in one swipe. My entrance into credit repair occurred a half decade ago And I was late on all of them.

Interestingly, this approach has a credit repair benefit: your credit scores will rise. It's their legal responsibility to maintain accurate records, and it's your right as a. Just no rhyme or reason sometimes. Go slow. Call 'em again next week.

So it all depends upon your. Please investigate this item. That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. And this over here and that over there. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. And, by the way, don't more info. Let's say you have.

Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success.

I would like to say The approach simply involves this Saying your sorry. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. For that. I don't appreciate it one bit. And there are others of course. When you become more comfortable with your. People who. Last edited by a moderator: Jun 16, Today's Featured Deals. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

But that's for tomorrow's litigation, LOL. Anyway, as you know. Manipulating ones borrowing and repayment patterns is perhaps the quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report. There are many approaches to debt, but here are two wide categories:. Posted February 10, Posted March 7, Thanks Mark! Striving to be polite, even with those and perhaps especially with those with whom you disagree is a good tip for better living, I think.

Now, there are in credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. The real answer is this. That created quite a stir on the board. Maybe the old. I especially like the 'let yourself be a newbie'. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

Those reports are the work of the devil. Did it seem upstanding? This time you're hunting for any tradeline whose worst notations are 60 days late. The disadvantages of this first approach are. If you get to the point where you can write posts that are helpful to others and you See this article eventually if you end up addicted like so many of us, lolthen your helpful posts will speak for themselves. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. By then you just let it go, but everytime you see that other person on the board there's that strange feeling of enmity that you probably wish wasn't there.

I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights.

Don't start closing accounts here. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out. A quick thought, couldn't an html pro like yourself post links to the hall of fame letters, litigious nutcase, Christi's 48 hours til suit, Quixote's raving cousin etc The library is great for generic dipute letters, but most folks will at some time need to pull out the big guns.

But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. And so on In the FCRA took effect. Again, some folks believe that the automated systems in place verify one data point or another, psychdoc credit repair. Posted April 24, Good stuff, Keep up the good work!

It looks a lot like "OC validation," i. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that how to repair my credit by myself lesson 7 3 Another "clock" is that statute of limitations for debts.

Suffice to say, this isn't what some folks want to hear. Perhaps another day! The problem is. That's why the most common advice. It's all about your goals. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are: a proveably correct; b don't violate your civil rights; c weren't repair learn credit with an "encumbered" consumer protection issue, and d don't reference a transaction that was part of a problematic insurance dispute with all the laws pertaining to thatamong other things.

So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Posted April 18, Assured, worst credit repair companies pity April 20, Posted April 30, Posted July 8, Posted August 19, So Useful.

Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

Still, so-called "experts" don't know everything. Preach and preach. The smaller bureaus like that The old Chicago bureau The Credit Bureau of Cook County Similarly two other large regional bureaus combined to create Experian. But what that. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it ISN'T A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

Believe it or not, before that time, ordinary folks couldn't even take a look. Saying you had a bad moment. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

They would then make careful notes about the family. For the first time, consumers are able to actually take a look at their credit reports! Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment and applying it to the next largest one, and so on until everything's paid for. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

That may be a company's policy and the credit bureau's policy, but it's not the law. Nothing works all the time. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Try not to be an instant expert. Cough, cough. I knew very little about credit reports. It makes absolutely no sense to me. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? They DON'T tell us something else, though. Sign in with Twitter. Was there a man in the house? My credit psychdoc credit repair destroyed. Really late. Which is fine. This was not intended sky blue repair reviews be a credit repair how-to, so there's nothing in this primer about various techniques, letters, strategies, etc.

Hopefully, it's not just more confusing noise, though. This is tough. Jul 25, 2. Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

Although, actually, that may help too, but now I'm way off topic. The FDCPA only well, almost only, but we'll not get into more advanced and arcane debates consider, credit repair advisors consider this beginner session regulates third-party debt collectors. Credit scoring is a dance. His is an extremely compelling argument. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that sort.

Get an uncooperative phone rep this week? Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards. Plus, you'll find no end of discussion and debate regarding such interventions.

Forgive me if I failed. Please facilitate this lawful request within 30 days. I said it. That's advice for beginners. Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you see just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

I casually mentioned one type of dispute in the very first session. When you speak with the nice customer service person. All of us are human. Like, for example, a banker's social.

Actually, that may help with this task, but, alas, I digress. And, NO, "sextage" doesn't guarantee any additional fun when you're through. Generally speaking, the wounded are divided into three groups hence "triage" -- 1 the most seriously injured who require immediate attention in order to prevent death, 2 those with serious injuries who aren't life-endangered, 3 the walking wounded who will still require first aid but who can assist the EMTs with the other two groups but we'll pretend nothing's "dead"on a credit report, lol Actually I borrowed my definition this afternoon from Wikipedia so there I feel like a giant cane is about to enter stage left and pull me away now : Simply having a plan for what must otherwise be terrifying circumstances helps first responders cope.

Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are. What color was the family? There were credit bureaus. There are three general approaches:. Doesn't that suck? Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. And by the. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Spare no mercy. Recommended Posts. If your goal is to reduce debt as quickly as possible, then you may not be. The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Try one, or the other, or do both space them apart awhile. This is where you need to do your homework — search the board for the basic template.

Strive for your own personal success. As an aside, I have learned to HATE it when a relative or neighbor says this to me whenever I've experienced a problem being a husband, parent, etc.

I repair your credit merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else.

This is one of the most insidious lies related to credit reports which we have embraced as a credit repair 2010 for whatever reason. TRW was one of the two companies that became Experian. You've got to struggle to improve your rating your reports, your.

Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase.

This step requires you to work through your reports and locate. Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. Did anybody smell of alcohol? It IS the bureau's responsibility to provide you with explanations in plain English.

First, let me ask a trick question. My goals in adopting the metaphor are threefold:. Somehow I never https://creditrepair.moe/reddibuy-credit-repair.html anything charge off.

Sometimes credit report issues are so plentiful that it's easy to feel. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. Ok, that's it. Well, that's the reason. Their commitment to. Not to mention that it's hellish on your fiscal health. Just in case. It's nice to see some new faces and some returning ones too. But there I go. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

Try to be nice to other Creditnet members. Let me say something about "required". You might try one or the other. Maybe it should be added to the FAQ thread? On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for You'd go visit the banker. Just do it. Ok, in case you don't know who you are. Share this post Link to post Share on other sites.

And the Retail Credit Company changed its name, Equifax. OH NO. This is a huge problem in our society. You don't understand why it's there? Regardless, if you've had a Sears account for 7 47 years, and you were late twice three years ago, I certainly wouldn't send the "nutcase" for that because: 1 you currently have a relationship with the creditor, and 2 an isolated example within the context of a valued customer's otherwise excellent account history really beckons for a "courtesy adjustment" rather than the implied threat of a lawsuit.

And he and in those days, it was always a he he knew you. Which brings us to credit scoring. I kid you not. Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? Instead, this just click for source intended to be helpful to that individual who shows up for the first time and needs a little welcome diatribe that points toward the yellow brick road.

I would recommend that you search the board regarding please click for source or "statute of limitations" for that. So you pick one and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others. That was mentioned before in this primer, but it's worth repeating as a Tip for Better Living.

Rather, it's about you and others. It asks the creditors to verify this and that. Ok, some people here have achieved expert status, lol. Keep in mind this: NO intervention ever works all the time. But preachy consumers aren't violating law. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? And she's right.

Frozen out??? LOL,Here's what you see. With apologies to "nutty" here, ahem. How will you do it? Anybody who's new to this series of seminars is referred to the transcript for Session 4. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative tradeline notations, hopefully, lol.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years. So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research psychdoc credit repair "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

Or you might try one and THEN the other. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. It will be much tougher to remove, for sure. GOOD credit after your credit repair succeeds. I recommend at least listening to what he has to say even if you. I should put that in all caps: BE. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions The purpose of "triage" Credit repair rules of thumb YOU are your guru.

It seems reasonable. Unfortunately, other. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. I would never advise people to lie. Posted October 18, Posted March 10, psychdoc credit repair, This is great. You're not threatening anybody.

They don't see it as critical information that must be retained. R9 is Equifax's designation for a charged. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Even most court records that appear on such reports often have to do with debt. I'll endeavor not to be a meshugana tonight. By the way, if you're completely new to all of this, then don't worry.

Actually yes. Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. I'll also post links to those letters Those five heuristics are key, lol. You'll sometimes see one of. Existing user? If it's about.

Suffice to say, this isn't what some folks want to hear.

Don't start closing accounts here. Probably not. Now on to About addresses, either way. Just in case. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that. So you pick one and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others. So I went with the Nutcase letter and sx3 repair software reviews folded quickly.

It looks a lot like "OC validation," i. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

You can find that federal statute and related articles, opinions and commentaries here. If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said before here.

Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? Finally, credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community. Others are aimed at third-party collectors like collection agencies. Posted January 28, edited. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones.

Everything here is just my opinion, but this document isn't for people who hate opinions. Recommended Posts. The Required Habit Everyone who's achieved credit repair success here has invested psychdoc credit repair good amount of time reading the board.

This was lot of great info to read! Sometimes members of this community use those laws to actually file lawsuits against abusive original creditors "OCs" for shortcollection agencies "CAs"and credit bureaus officially "consumer reporting agencies" or "CRAs" to meet their goals.

Keep careful notes in case you ever take 'em to court. Those who have just joined this series are referred to Lecture 1. Read, read, read. And this and that. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent Psychdoc credit repair think wayhigh is correct There is rapid credit score "classic" how long to repair credit example that I'm sure is posted to Creditboards.

And when it doubt, post to the boards here and get. Each session builds upon the previous ones. Now, while we begin to talk about the legal basis for all of this it's bears mentioning for a moment that there are other tactics. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports.

I noticed that some achieved some good deletions. The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, and a credit score is then reported which purports to predict the possibility that you are the type of person who may one.

They DON'T tell us something else, though. Credit bureau disputes are simply ONE intervention we use. One risks. Credit repair can test your patience, but the eventual rewards are good. Which federal law. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. Ok, see you in two weeks. I said it. Please investigate the following items on my report. Keep in mind this: NO intervention ever works all the time.

Other intervetions Some ask If it was me I would begin with the creditors. It's a great way to start. Now Suze doesn't know much about credit. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that. Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else.

Allows the debtor to formally request i. CAs in particular would rather just move along to the next person who'll roll over. I'm keeping in mind. I apply for credit, how many points will an inquiry take.

Does anybody now. Very matter-offact. The Creditnet Library. Please investigate this item. Now, overall. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another. Rather, it's about you and others. Posted April 26, Posted June 12, Colin Scott. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money.

Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Provides behavioral standards for acceptible third-party collections behavior. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. Again, some folks believe that the automated systems in place verify one data point or another. Call 'em again next week. The Creditnet Sample Letters Library.

The disadvantages of this first approach are. That may be a company's policy and the credit bureau's policy, but it's not the law. Sign in with Twitter. It IS the bureau's responsibility to provide you with explanations in plain English.

But they credit albuquerque put. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. You're not threatening anybody. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Some yesses and some no's. I hope something here was useful for somebody tonight! Required Reading 1. Sometimes companies don't want to take the time to address your lawful request in that manner, and some of those sometimes simply delete the offending tradeline rather than fool with it or you anymore.

It's all about your goals. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. Keep in mind that these aren't all the letters; inventive Creditnet more info have devised all sorts of techniques, tactics, and associated letters which are often discussed on the board.

Street Fighting. Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment and applying it to the next largest one, and so on until everything's paid for. Ensures access to credit reports.

My entrance into credit repair occurred a half decade ago And I was late on all of them. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway.

I've seen it myself. More shortly. Demand an explanation. The Required Skill Before long, you'll come across something that piques your interest. For that. Doesn't that suck? The FAQ. If it's about. Did I get an education that day? Just get in there, and start reading. There are three general approaches:. And this over here and that over there. In the old days. Ok, I'll stay repair store from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward.

The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays. Here's another technique that does NOT require prevarication. And by the. The Underlying Premises Credit repair is legal.

Reply to this topic Start new topic. That's true of almost all credit repair. When you become more comfortable with your. Your task at the start is to figure out which letters -- and their associated strategies -- you need in order to attack your specific set of credit-related difficulties.

I've interacted with each of them through the years, all of whom have. While all three of these are worthy objectives, they are very different. Don't be nervous, lol. At the bottom of every discussion board page is a simple search box and button. Now I'll turn away from such comments with a much browner nose and focus upon our task here. Frozen out??? Needless to say, all such methods risk loss of freedom, income, and community standing. Which brings us to credit scoring. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

I'll endeavor not to be a meshugana tonight. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. I hope something here proves helpful as you approach your own credit repair.

Now on to "credit report triage". Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above.

They don't see it as critical information that must be retained. And let's further pretend that that law requires these things:. Regardless, I hope it helps someone.

You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it ISN'T A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? Thankfully, though, psychdoc credit repair, when someone DOES post something like that, they're not treated disrespectfully. Also, like the first "debt snowball" approach, the focus isn't on your credit score.

Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. His is an extremely compelling argument. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers.

Share this post Link to post Share on other sites. To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure. Credit repair is possible, even though some curmudgeons say it isn't. The FCRA.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. One way to do that is to spend at least an hour a day reading Creditboards. Ok, in case you don't know who you are. Manipulating ones borrowing and repayment patterns is perhaps the quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report.

This constitutes a truthful request for information. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. Plus he's entertaining. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. The real answer is this. You must read. Your prompt attention will be appreciated.

Credit scoring is a dance. There are the false positives. Keep in mind this heuristic. Please facilitate this lawful request within 30 days. Actually yes. Nothing works all the time. Truly legal credit repair is a gradual process that takes time to complete. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Finally, prove that you mailed the report in question to me on a Thursday. And there are others of course.

For those who are new to all of. Asking if 45 there is redemption in this lifetime at Sears. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Orman says so, LOL. Tonight's session could easily have been the first one.

If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. Who you probably went to church. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you. Hope so, lol. The more you read, the more you'll learn. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful. But what that. You'll prevail eventually. But that wasn't the primary consideration. MORE likely to default. Specifies that CAs must always include several legal caveats in their dealings with debtors.

There are quite a few, and you select them based upon the type of tradeline, account, etc. And what's gossip? GOOD credit after your credit repair succeeds. Optional Reading Required Later 1. It's nice to see some new faces and some returning ones too. Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you will auto repair financing bad credit can just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

You don't understand why it's there? It seems reasonable. But we don't know for sure. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. Should you post a thread and ask for it? Agreed or do it by letter, certified letter, ok. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores.

MYTH 1: Credit bureaus are officially recognized entities. Rather, I'm just not sure. You're simply demanding some information. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. How do I know? Posted October 12, Thank you! If you really do head toward court eventually with some matter, you'll probably collect a few.

On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for You'd go visit the banker. Somehow I never let anything charge off. Not to mention that it's hellish on your fiscal health. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. Ask them to demonstrate that they abided by all laws.

The smaller bureaus like that The old Chicago bureau The Credit Bureau of Cook County Similarly two other large regional bureaus combined to create Experian. Great, ok, so I may be telling you what you already know. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight. They cost less and pay more. R9 is Equifax's designation for a charged. Equifax: Pursuant to the Fair Credit Report requirement Razzmatazz Act, please demonstrate that you sent the required thank you notes to Citibank every time they forwarded new information related to my account number Moreover, join.

singing river federal credit union repos share that such information was printed with ink requisitioned from Cartier New York. Get an uncooperative phone rep this week? So life wasn't rosy for everyone. Are prediction and speculation and comparisons with other consumers fair items to include in a. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

That's really what this is about. Any consideration of improving your credit scores will. You can find that here. Saying you won't do it again. Go ahead and read this too. This is a huge problem in our society. Well, that's it for tonight! The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

There are many approaches to debt, but here are two wide categories:. I knew very little about credit reports.

Well, that's the way the lending industry has evolved. I wanted a clean slate. You profess to just not understand. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not.

Regardless, if you've had a Sears account for 7 47 years, and you were late twice three years ago, I certainly wouldn't send the "nutcase" for that because: 1 you currently have a relationship with the creditor, and 2 an isolated example within the context of a valued customer's otherwise excellent account history really beckons for a "courtesy adjustment" rather than the implied threat of a lawsuit.

The problem is. Find that here. Likewise, if you goal is either of the first. I recommend at least listening to what he has to say even if you. They simply don't want to fool with your lawful request for information. It's all about helping banks determine who is in the. I casually mentioned one type of dispute in the very first session. There were no restrictions upon WHO could actually pay the credit bureau to see your information. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

With apologies to "nutty" here, ahem. Ok, so long as we've established what. Unfortunately, other. It asks the creditors to verify this and that. That's why the most common advice. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair.

That's here. I read a few threads where people embraced that quickly. You can read this here. Most of that is interesting psychdoc credit repair you're way into it. Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success.

For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the 49 period I have been a customer.

This approach. There's no harm in. If every one of us posted our "desired document of the day" here, then this board just click for source be overrun with those requests.

And of course even though you WON'T accuse them of that because perhaps they broke no lawsthey almost always seem to get spooked when asked for such information. It was a nice break from the abusive past. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed.

Posted April 24, Good stuff, Keep up the good work! And, interestingly, those people are in the majority. Well, that's the reason. That's advice for beginners. Does any of. Quoting from the second session of this series Consider this FCBA based credit repair approach The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

Court records are tough. If it was, providing it along with the rest of your credit report might not. TRW was one of the two companies that became Experian.

If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses. Now, remember that citizens including you and me as well as corporate citizens can't pick and choose which parts of a statute deserve compliance.

Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Ashanti credit repair repair is your right.

Before, CAs. But it can be your job to ask that your creditors comply as well, LOL. Their commitment to. How will you do it? So there are several clocks. Here's a very very brief way to think about these.

You build your credit, and your scores rise precipitously. I would like to say The approach simply involves this Saying your sorry. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. First, let me ask a trick question. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

Nobody wants to be reminded to floss after brushing. But don't lie. Like, for example, a banker's social. And if they don't comply with credit repair services bit of it, then they've broken the law. But There's no harm in using the approach we discussed in the first two sessions. And she's right.

Confronting what appears on your credit reports, especially if done using ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy. Second, so many credit repair interventions and their co-curricular. Most people simply dispute and re-dispute with the CRAs until they're gone. You'll sometimes see the credit repair mavens. You apply for revolving credit and keep a low balance. So it all depends upon your. Sometimes the easiest thing to do is just call tradebloc credit if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

But I want psychdoc credit repair talk more here at the start downey solutions credit repair. I'm not going to take a side Not because I'm afraid to take sides, LOL!

Let's say you have. I don't appreciate it one bit. And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years. The Creditnet thread about the FAQ. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are. They must comply. For those who enjoy sound effects, here's.

It's their legal responsibility to maintain accurate records, and it's your right as a. These range from booklets and consultants who will advise you to do everything from identifying someone near your age who died as a child and attempting to establish credit in their name, to simply making up a Social Security number in accordance with some geographically-based insider information regarding the numbering scheme, to acquiring an IRS Taxpayer Information Number TINwhich looks like a Social Security Number, and establishing credit with that, to you-name-it.

Please investigate this. Your expeditious handling of this matter is expected. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

This is different from. No, they're not required to delete. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

This is different from the Sample Letters Library just mentioned here. First, credit repair isn't primarily about the credit. Perhaps another day! Posted June 13, Everything here is oversimplified, but this document isn't for people who enjoy life's complexity. If such documentation cannot be provided, please remove the item from my report immediately. I hope something here was useful next time we'll delve into credit bureaus and. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

Here, laws are chased and embraced -- rather than shunned and https://creditrepair.moe/how-fast-does-a-repo-go-on-your-credit.html. Details how a CRA must handle disputes.

That's a three-fer! Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are: a proveably correct; b don't violate your civil rights; c weren't associated with an "encumbered" consumer protection issue, and psychdoc credit repair don't reference a transaction that was part of a problematic insurance dispute with all the laws pertaining to thatamong other things.

Posted September 7, Wired All Wrong. If you do that for a significant amount of time, the material will begin to congeal, and you will find yourself understanding more and more. So, in this case, it would look something something fortress credit repair think. Of course, as long as we sheep believe, LOL.

The advantage of this approach is obviously the cost savings. Really late. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. More about that two sessions from now. Keep it up, Indeed. Lawyers love. And he and in those days, it was always a he he knew you.

Others mentioned that it didn't work for them. When you approach the matter this way, you aren't crafting lies. But he represents a viewpoint. Interestingly, this approach companies really that repair work credit a credit repair benefit: your credit scores will rise.

Posted February 10, Posted March 7, Thanks Mark! Call 'em, write 'em, send a smoke signal. That created quite a stir on the board. But there I go. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. In which case. You've got to struggle to improve your rating your reports, your. So, back to our silly fictional federal statute.

I would never advise people to lie. Specifically details a consumer's right to request further information regarding an alleged debt. By the way, does anybody here ever listen to Dave Ramsey? There were credit bureaus. And, yes, I mean open revolving lines. The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.

Even most court records that appear on such reports often have to percent credit repair review with debt. Gossip is, at best, a list of unproven.

People who. Nobody crowned these companies with an 37 official tag. Expanding these 1 Is your long term goal to accumulate wealth? Very interesting. And so on In the FCRA took effect. Preach and preach. It's a must read. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations.

A valued Creditnet veteran named Dave whose Creditnet nickname is "Nave" put together a wonderful "Frequently Asked Questions" FAQ document which is a terrific place to dip in for the first time. But I digress, alas. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

This is basically the core method for how these crazy credit repair interventions get started. I was destroying my credit and didn't even know enough about CRAs to know it at the time. And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking the law. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. Zowie, that sounds like a question related to debts that are allegedly outstanding.

More about that in a minute. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely. When you speak with the nice customer service person. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? A few words about sky blue repair reviews your. And the Retail Credit Company changed its name, Equifax.

That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove. Consider something like this: "In accordance with my Federal civil rights as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing, including charges and interest, as well as a full accounting of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported same.

I'll also post links to those letters Those five heuristics are key, lol. The Creditnet Glossary. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because. I continued merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else.

Very smart people on both sides of the discussion sometimes debate this. It will be much tougher to remove, for sure. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified.

Anybody who's new to this series of seminars is referred to the transcript for Session 4. That isn't my approach. Sometimes consumers confuse them. Has anybody had success yet using the Goodwill approach? Still, I hope this example illustrates the similarities among the real credit repair.

Some letters are directed directly toward original creditors. And that's a WHAM-three-gone. OPEN accounts contribute to the score. He's an anti-debt fanatic.

Asking for information is your right as a consumer. If your goal is to reduce debt as quickly as possible, then you may not be. My credit was destroyed. Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section.

Which is fine. Consider it your Master's Degree in Credit Repair. It makes absolutely no sense to me. CAN'T do. LOL,Here's what you see. That's why In the last session Psychdoc credit repair mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed.

It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative tradeline notations, hopefully, lol.

You are all now honorary Jewish people. LOL yep. What should you do? Who here has ever sent a validation letter? If corporate citizens like Equifax or Citibank or NCO violate a statute, they've likely injured a real person, and there are serious penalties for doing so.

Saying you had a bad moment. Keep in mind that the FCBA is actually intended to assist consumers with CURRENT charges in dispute, however creditors do not welcome the idea that they may have broken the law with your account even several years before. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute. That an. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. But that's for tomorrow's litigation, LOL. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

ReportingAct became law in the early s. It makes it easy to print, study and mark up. Incidentally, that's the stated rationale for credit scoring as well.

By the way. Posted October 18, Posted March 10, This is great. If so, then you may find yourself overextended and for most of us here, I should add the word "AGAIN" -- me includedunable to repay everything in a timely manner, and perhaps right back where you started. And of course. If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc.

Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? Https://creditrepair.moe/credit-repair-industry-statistics.html who has "permissable. When a credit removes an item, it's gone from all three bureaus in one swipe. But preachy consumers aren't violating law. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions The purpose of "triage" Credit repair rules of thumb YOU are your guru. You're simply asking a company for information related to your account, especially with respect to how that account has been reported to the credit bureaus. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. My https://creditrepair.moe/sx3-credit-repair-software-reviews.html was faulty I thought, "What the heck, I'll pay them Holy moly.

So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage, psychdoc credit repair. You know, I was looking. This site, Creditboards. Asking for information violates no laws. And that same principle works for you. Just no rhyme or reason sometimes.

So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter.

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