Psychdoc Credit Repair

If yes, I'll correct that on the transcript, LOL! Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. But the short of it is. Call 'em again next week. Last edited by a moderator: Jun 16, Today's Featured Deals. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge.

But some people. 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.

That's the preachy approach. My entrance into credit repair. A polite, calm, lawful request just gives 'em the willies. So nibanike That's fantastic be persistent. Very matter-of- fact. Oh yeah. I think wayhigh is correct.

Really late. Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon, psychdoc credit repair. Just do it. If it was me. So you pick one and dispute the others. But we don't know for sure. 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. Well I felt the same way at one point. Unfortunately I didn't get to.

They'd rather go attend to their business, psychdoc credit repair. I think this will be my own personal little bible! Get Started. 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.

Call 'em, write 'em, send a smoke signal. I don't appreciate it one bit. R9 is Equifax's designation for a chargedoff or collection revolving account. This time you're hunting for any tradeline whose worst notations are 60 days late.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. And this over. Disputing is not the end-all be-all of credit repair. 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. If I was pressed, I would say.

Preach and preach. 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. But there. 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. Nothing works all the time. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted credit repair el paso texas the fourth or fifth try.

TRW was one of the two companies that became Experian. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never. Let me cover the next topic on. Perhaps another day! If your name is Robert Sheldon Poole. Forgive me if I failed. But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc.

Jul 25, 3. Keep in mind. Quick point of discussion Has anybody succeeded with Validation? There is a common thread to all of these direct-to-creditor interventions, and we'll.

Some folks swear by, psychdoc credit repair. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. Whether people follow the suggested advice is up to them. Sometimes the easiest thing to do is just call. 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.

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. You might try one or the other. You approach it as quickly as possible. Suffice to say, groups of us have been debating this for years.

You know, I still consider myself a newbie and I've been reading for a couple of months now. I'll mention why in a minute for those who are mystified by that, LOL! Jul 25, 6. TRW was one of the two companies that became Experian.

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. And this and that. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Just no rhyme or. Again, some folks believe that the automated systems in place verify one data point or.

This is a huge problem in our society. A few words about when to use Goodwill versus Nutcase. Those who have just joined this series are referred to Lecture 1. Some yesses and some no's. And when it doubt, post to the boards here and get 26 advice. I taught developmental psych as a grad student back in the day, gotta have a. So I started reading a bunch of credit repair books. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

That said. I was destroying my credit and didn't even know. 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. Your questions likely compel the other side to wonder what you plan to do next Will you sue? Was there a man in the house? About the second reason. I kid you not. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

They're right, but those of us who advocate differently are right too. A quick thought, psychdoc credit repair, 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.

This is where you need to do your homework — search the board for the basic template. The Civil Rights Act in particular erased some of that, but some of the abuses continued.

Nobody crowned these companies with an 37 official tag. Those reports are the work of the devil. They would then make careful notes about. You build your credit, and your scores rise. 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.

That's a three-fer! I have a request. Is this legal for them to do, and if so then what do you do about it? Some ask. 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. Company changed its name, Equifax. 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.

Has anybody had success yet using the Goodwill approach? Does anybody remember the. I think this because sometimes I don't have the time I would like to spend reading everything. You'll prevail eventually. Tonight I'm going to thank the owners of other sites for all they do. It's all about your goals. Now on to "credit report triage" As an aside, you gotta love the internet.

In the Read article took effect. Please investigate this item. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale psychdoc credit repair disputing multiple names and addresses?

I guess I am one of the newbies you are talking about. Which is fine, psychdoc credit repair. 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 psychdoc credit repair Simply having a plan for what must otherwise be terrifying circumstances helps first responders cope.

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.

And, by the way, don't cheat By the psychdoc credit repair, if you're completely new to all of this, then don't worry what that means right now. Nobody crowned these companies with an.

Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. Welcome Wagon ladies and they were almost always women? It looks a lot like "OC validation," i. Actually, that may help with this task, but, alas, I digress. It was a nice break from the abusive past.

Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation. Thank you too. For the first time, psychdoc credit repair, consumers are able to actually take a look at their credit reports!

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. Again, psychdoc credit repair, I don't know if that's just a bunch of crap or not. Had recommended that you intervene with the.

Your prompt attention will be appreciated. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. So there are several clocks. Did anybody smell of alcohol? It asks the creditors to verify this and that. Of course, by that time, a bureau psychdoc credit repair may have done the job. Hopefully, it's not just more confusing noise, though. And so on In the FCRA took effect. People with LOW utilization scream "responsibility" to them.

Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. Remember that what's. The Fair Credit Billing Act requires creditors to bill. The jiu jitsu of dealing with creditors is to use. A CBer posted this. 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.

I hope something here was useful for somebody tonight! Zowie, that sounds like a question related to debts that are allegedly outstanding.

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. Would you send them the same letter that got them to remove it in the first place?

When we post them they look silly because in the oldie's minds the questions have been answered, but some of us need more basic answers than are provided. Just getting my bearings. It was a nice break from the abusive past. This was not intended to be a credit repair how-to, so there's nothing in this primer about various techniques, letters, strategies, etc. First, the classic "Goodwill" approach.

We have seen lots of good responses for Nutcase with. Once you do psychdoc credit repair dispute with a bureau and. And the good old Retail Credit Company would include. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. You're triaging. I read a few threads where people embraced that quickly.

It's a great way to start. Cough, cough. 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 casually mentioned one type of dispute in the very first.

Probably the one thing you'll learn here on Creditboards is that what psychdoc credit repair credit repair books say about the topic is VERY short-sighted.

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.

Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. There were no restrictions upon WHO could actually pay the credit bureau to see your information. Poole on the reports as well as Bob Poole and a half dozen. It proves that even when you pay off your debt it will haunt you.

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??? Asking if. 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.

Creditboards Forum Leads and Mods. See you in two weeks. There's no harm in using the approach we discussed in the first two sessions It psychdoc credit repair be much tougher to remove, for sure. Actually yes. Somehow I never let anything charge off. I wanted a clean slate.

Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? I was just a guy with a bunch of late pays. But what I'd like to do is. I have a personal philosophy about that. Refer to the second session for commentary regarding the FCBA approach, and customize your own.

Thanks for this information and I will look at using some of these principles. NO intervention ever works all the time. I'll admit, I skimmed over as much as I could. The company that became Equifax began life as the "Retail Credit. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. I don't think he or she ever registered on Creditboards, but I could be wrong.

Some do, some don't 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! I especially like the 'let yourself be a newbie'. 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. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

So I went with the Nutcase letter and they folded quickly. Remember that when you're disputing addresses.

For example. Those five heuristics are key, lol. Some do. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. And that's a WHAM-three-gone. Keep it up, Indeed. There were no restrictions upon WHO could actually pay the credit bureau to see your.

By the late s there psychdoc credit repair an uproar, and Congress finally passed the FCRA in order to help all of psychdoc credit repair. A few words about raising your credit score.

You profess to just not understand. Anyway, thank you for your post as it has helped me once again. I'm not. The Credit Bureau of Cook County.

In most states, lawyers and other professionals. I read the old version and it was much harder to get through. In the second session we began to describe the various components that comprise the FCRA. It IS the bureau's responsibility to provide you with explanations in plain English. Similarly two other large regional. But gotta say there is a TON of info in there! Thank you. You don't understand why it's there?

Not nearly done with it even now. Once again, I thought it would be useful to recognize check this out. 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.

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. Did it seem upstanding? Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. 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 would advise that you spend some time a few hours reading about validation before you fire these off. Actually yes. We'll talk more about. Second, never misrepresent your situation when sending letters to anyone for any purpose.

Doesn't that suck? Please facilitate this lawful request within 30 days. I wondered why nobody else was typing, lol. 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.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. But that's for tomorrow's litigation, LOL. About the. 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.

It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. Credit bureau disputes are simply ONE intervention. But I fear that. Other intervetions. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes.

The Civil Rights Act in particular erased some of that, but some of the abuses continued. Sometimes consumers confuse them. Sometimes old timers get so set it their ways, that they forget the basics. The "Nutcase Series" enjoys a good number of uces credit repair, 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!

Remember my Creditor Heuristics. I kid you not. Tonight's syllabus. Well, that's the reason. I realize that eventuality is unlikely, but that's still a good idea. I continued merrily Then of course I. Keep in mind this:.

So I went online and discovered the main credit repair. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. One risks having the report and the account flagged. Now, where was I? When a credit, psychdoc credit repair.

And I was late. Anybody ever had any of those? It makes absolutely no. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors.

The next credit repair intervention for late-pay creditors is. Maybe somebody's. BTW, I am not posting this to start an argument about how many negative items should be disputed at the same time; that arguments been done to death and you can find it with a search. Otherwise, psychdoc credit repair, remove, in accordance with my. Others mentioned that it didn't work for them. From some of the comments on here it seems like even after you dispute it and psychdoc credit repair take it off they can still add it back on later.

Saying your. I would never advise people to lie. By the late s there was an. I know some people here eagle credit repair have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

The forum. 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. Those kinds of tradelines fall under the purview of the. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start.

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. 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. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that credit repair com. Has anybody ever had success with the Goodwill letter?

Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance, psychdoc credit repair. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Very nice, tagalong. Rather, I'm just. Re: PsychDoc's Credit Repair Primer I don't care if you are newbie or an old timer, you still need to read this and follow it. Good job on this primer. 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.

I was finishing up my doctorate, and I had lots of student loans. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. 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.

And, NO, "sextage" doesn't guarantee any additional fun when you're through. Please investigate this. And the Retail Credit Company changed its name, Equifax.

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.

Yes, 4myfuture, definitely. Believe it or not, before that time, ordinary folks couldn't even take a look. Go ahead and opt-out and then. 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. Did anybody smell of alcohol? Saying you had a bad moment. Again, some folks believe that the automated systems in place verify one data point or another.

I'll also post links to those letters. And, yes, I mean open revolving lines. Or you might try one and THEN the other. MEANS the "right" answer. There is actually a series of them. That created quite a stir on the board. Well, those may be reasons. If it's red river credit union repo list other things ref, psychdoc credit repair.

If yes, I'll correct that on the transcript, LOL! And the Retail Credit. It's all about persistence. Some of the abuses were essentially erased by the civil rights legislation of the s. That's true of almost all credit repair interventions though. Before we move onto the types of disputes. Jul 25, 8. Anything that smacks of possible litigation.

The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. Does anybody remember the Welcome Wagon ladies and they were almost always women? Https://creditrepair.pics/credit-firm-law-lexington-repair.html Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

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. 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. More about disputing. This kind of data was then transmitted. Clouds, speaking as a shrink, I can confirm your hypothesis. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

Ok, that's it. Keep up the good work. Plus, you'll find no end of discussion and debate regarding such interventions. When your results come back, you'll know where to start doing the hard work. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. The approach simply involves this. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth.

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. Finally, let me move to the psychdoc credit repair section of tonight's syllabus which is really just a simple reminder You really are your own guru.

The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. They just look like they're written. Maybe it should be added to the FAQ thread? Jul 25, 7. There are quite a few, and you select them based upon the type of tradeline, account, etc. Or at least I hope you eventually will be. Really, the Nutcase series uses non-angry language. Nutcase series. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that.

As an aside, has anybody seen success by trying the Nutcase series yet? I will have to digest it all. They don't see it as critical information that must be retained. Company" in Atlanta, Georgia.

I've seen it myself. Some of us have read this a few times, read everything check this out can find on the board, and still have question which are probably the same exact questions as each psychdoc credit repair. What color was the family? Credit repair can test your patience, but the eventual rewards are good. 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.

Did I get an education that day? I'm intimately familiar psychdoc credit repair that one, lol. Regardless, if you've had a Sears account for 7. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Jul 25, psychdoc credit repair, 2.

About the comment "low-hanging fruit". And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Sorry, but there's no way around it. Instead, psychdoc credit repair, what I'm saying is Start by Starting. That's advice for beginners. Well done Doc. Each of those notations reflects a particular credit repair procedure.

I want to Specifically. I'll describe some of those others tonight. For example That was the old Atlanta credit bureau. 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:. Once again, I hope I didn't leave somebody out. I feel like I'm in college reading this. They just don't accept.

credit repair attorney las vegas think to fool with you. Jul 25, 5. Before that time, credit bureaus engaged in some very questionable activities.

Anybody know the credit repair. 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 new beginnings credit repair san antonio or not. Some of the abuses were essentially erased by the civil rights legislation of the s.

Demand an explanation. 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. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. I would begin with the creditors. Now, there are entire multi-day seminars devoted to the topic. Are you a "litigious nutcase"?

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. Anybody who's new to this series of seminars is referred to the transcript. Jul 25, 4. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. Spare no mercy. Families not headed by a male were considered by some bankers to be less creditworthy and more risky.

I would like to say think it's simply "just because". Please investigate the following items on my report. They all said that if I paid off. Well, that's the reason.

I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? 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.

With my personal credit repair I didn't care whether it was removed. Instead, this was 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.

Consider this FCBA based credit repair approach. Since the bureaus are engaged in the business of buying and. Believe it or not, before that time, ordinary folks couldn't even take a look. You'll see old-timers give. I've been reading and reading Thank you for the condensed version! My credit. But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc.

That's why. But there I go talking about flossing again. 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. Not to mention that it's hellish on your fiscal health. Was anybody here who's already psychdoc credit repair their credit repair program ever intimidated by the task when they first got started?

They may. I hope everyone reads this and follows more info pearls of wisdom.

My thinking was faulty. Also, do I send these letters to the collection agency itself or is this something that I send psychdoc credit repair the bureau's to dispute the debt? Try one, or the other, or do both space them apart awhile. I noticed that some achieved some good deletions. The smaller bureaus like that. That simple but lovely concept defines the approach. Here's another technique that does NOT require prevarication. I was Starting to wonder. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

Breeze hit it on the nose. 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 preachy consumers aren't violating law. And so on. That may change with this step. 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.

Dancerat. 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. In other words, let the bureaus know you aren't open to promotional. Moderator job requires so much 1 Hard work. How do I know? Although, actually, that may help too, but now I'm way off topic. TYPES of disputes. It seems reasonable, psychdoc credit repair. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

I know that I have asked a few collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record. And there are others of course. Get Started! Good luck to you! There is a "classic" psychdoc credit repair example that I'm sure is posted https://creditrepair.pics/credit-repair-presentation.html. Are you Starting to get my point?

Psychdoc credit repair, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. What color was the family? The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, psychdoc credit repair, and even attitude.

That was the old Atlanta credit bureau. Quoting from the second session of this series "The FTC summarizes the credit repair letters 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.

Inquiries that DON'T have visit web page 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.

At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. Dancerat was a participant on another board. Holy moly. I knew very. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. Thanks man. 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.

There's no rule of. Saying you won't do it again. I thought, "What the heck, I'll. But don't lie. Jul 25, 9. 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. Sometimes you.

Well, that's it for tonight! 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. Get an uncooperative phone rep this week? That's not how the. Now go pay the people to whom we sold the debt. They include:. And the recent amendment to the FCRA, psychdoc credit repair. We obviously can only skim the surface. Along that line:. Did it seem upstanding?

A number of approaches have been detailed regarding courthouse.

Start a thread, introduce yourself, be sure to say you're newpsychdoc credit repair, and you will get lots of responses, I'm sure.

Did I leave anybody out??? I hope everyone reads this and follows the pearls of wisdom. But There's no harm in using the approach we discussed in the first two sessions. The philosophy is.

As an aside, has anybody seen success by trying the Nutcase series yet? I read the old version and it was much harder to get through. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute. One possible. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

Now, there are entire multi-day seminars devoted to the topic. 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.

People with LOW utilization scream "responsibility" to them. If it was, providing it along with the rest of your credit report might not. I don't have to much of a strategy but, to get my credit straight, psychdoc credit repair. Before that time, credit bureaus engaged in some very questionable activities. 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.

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. Perhaps there is a right answer, or perhaps every. Of course, as long as we sheep believe, LOL. My goals in adopting the metaphor are threefold:. Like, for example, a banker's social. In the old days You'd go visit the banker.

A few words about raising your. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. Thank you too. I guess I am one of the newbies you are talking about. I know psychdoc credit repair I have asked a few collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record.

Just psychdoc credit repair it. 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. Those please click for source are the work of the devil. Tonight I'm going to thank the owners of other sites for all they do.

One risks having the report and the account flagged. In the FCRA took effect. This time you're hunting for any tradeline whose worst notations are 60 days late. Now on to "credit report triage" As an aside, you gotta love the internet. If in doubt, seek legal counsel, or at least ask for the advice of fellow. Now on to "credit report triage".

And when it doubt, post to the boards here and get 26 advice. Now go pay the people to whom we sold the debt. Retail Credit grew and became the primary bureau in the southeast, https://creditrepair.pics/consumer-credit-repair-llc.html they had a snugly relationship with Welcome Wagon.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. That's advice for beginners. ReportingAct became law in the early s. 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 "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!

Maybe the old. Which federal law. Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. Unfortunately, other. Is this legal for them to do, and if so then what do you do about it? And, NO, "sextage" doesn't guarantee any additional fun when you're through. 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.

Sorry, but there's no way. Do like Quixote suggested, don't be bashful! You might try one or the other. I don't want to represent this as the psychdoc credit repair way, or the "right" way, or the "only sensible" way, or anything of that sort. Sometimes old timers get so set it their ways, that they forget the basics. For those who enjoy sound effects, here's. 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.

Share This Page Tweet. Show Ignored Content. At least you've marked your credit reports for those. It was a nice break from the abusive past. I realize that eventuality is unlikely, but that's still a good idea.

I've seen it myself. 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. In which case. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. 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.

They despair. Ok, ok, psychdoc credit repair, 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. The Credit Bureau of Cook County. Plus, psychdoc credit repair, you'll find no end of discussion and debate regarding such interventions, psychdoc credit repair.

Not to mention that it's hellish on your fiscal health. You might try one or the other. 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. And, by the way, don't cheat. Poole on the reports as well as Bob Poole and a half dozen. But that wasn't the primary consideration. So life wasn't rosy for everyone.

Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? Lawyers pursuing CEUs. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. You're triaging. Through that continuous process, Fair Psychdoc credit repair stays on top of the variables du jour which may diagnose bad future news.

Now go pay the people to whom we sold the. For the first time, consumers are able to actually take a look at their credit reports! Now you have the rough outlines of psychdoc credit repair plan. Thanks again! The real answer is this. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is psychdoc credit repair dance. And he and in those days, it was always a he he knew you.

You'll see old-timers give. If it's about. Or at least I hope you eventually will be. Although, actually, that may help too, but now I'm way off topic.

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

In the second session we began to describe the various components that comprise the FCRA. Does anybody remember 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. Well, that's it for tonight! 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.

But that wasn't the primary consideration. And the good old Retail Credit Company would include. Has anybody ever had success with the Goodwill letter? I have a philosophy about credit repair interventions. It's all about persistence. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions.

MORE likely to default. 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. Of, the six I have one is child support, and the others are credit cards that came back verified. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute.

That was the old Atlanta credit bureau. I'll look forward to seeing you in. 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. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. People who. I should put that in all caps: BE.

Thanks in advance for any advise. 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. 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.

One risks. 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. But, it's like riding a bike - you don't really forget. And he and in those days, it was always a he he knew you. 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. This is where you need to do your homework — search the board for the basic template.

This is one of the most insidious lies related to credit reports psychdoc credit repair we have psychdoc credit repair as a society for whatever reason. The Civil Rights Act in particular erased some of that, but some of the abuses continued. And, yes, I mean open revolving lines. And so on. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

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. That said, I'll proceed. 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.

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. 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.

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.

They're right, but those of us who advocate differently are right too. More about that two sessions from now. They DON'T tell us something else, though.

How do I know? Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does. Well I felt the same way at one point. That's true of almost all credit repair interventions though. That may be a company's policy and the credit bureau's policy, but it's not the law, psychdoc credit repair. We'll also excerpt actual letters in the next few sessions, but don't. Or you might try one and THEN psychdoc credit repair other. It is unfortunate, then, that these unofficial credit reports sometimes impact psychdoc credit repair lives far more than most any official document which exists.

You approach it as quickly as possible. How do I know? They would then make careful notes about. Your name or email address: Do you already have an account? That's advice for beginners. Oh yeah. Eventually they'll wonder if it's worth it to report that 60 day late tradeline. Stay tuned. Some of us have read this a few times, read everything we can find on the board, and still have question which are probably the same exact questions as each other.

Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. 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. Credit scoring is a dance. 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.

Not only do you learn new things you never knew, but you find out that others have had a similar situation to yours and with that info you are empowered. Jul 25, 8. Did it seem upstanding? I would suggest that this be listed on it's own rather than in FAQ. 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??? Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. 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.

You guys are a real treasure. That simple but lovely concept defines the approach. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. As an aside, has anybody seen success by auto repair credit card the Nutcase.

But there I go talking about flossing again. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

Suffice to say, groups of us have been debating this for years, psychdoc credit repair. Or at least I hope you eventually. Incidentally, psychdoc credit repair, that's the stated rationale for credit scoring as well.

I kid you not. Well I felt the same way at one point. Who you probably went to church with. 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.

On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most psychdoc credit repairexcept for bankruptcy related items which are required to remain for You'd go visit the banker. In other words, let the bureaus know you pay per deletion repair open to promotional.

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. Let's say that a credit bureau dispute will work 5 or 10 percent of the time.

We obviously can only skim the surface. TRW was one of the two companies that became Experian. 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.

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.

That may change with this step. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

Thank you so much for the "credit repair for beginners". 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. I hope something here was useful for somebody tonight! They're right, but those of us who advocate differently are right too. Again reference the transcript for seminar 2.

I started using the outline psychdoc credit repair about a year ago with almost all my scores below - they are now TUEX and EQ I'm not done fixing stuff yet. I'll mention why in a minute for those who are mystified by that, LOL! Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare.

Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. I feel like I'm in college reading this.

Finally, let me move to the last section of tonight's syllabus which is really just a. CAN'T do. Each of those notations reflects a particular credit repair procedure. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. Doesn't that suck? Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. OH NO. 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.

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.

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. Thank you. There were no restrictions upon WHO could actually pay the credit bureau to see your. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

Did anybody smell of alcohol? Tonight I'm going to thank the owners of other sites for all they do. For example That was the old Atlanta credit bureau. Refer to the second session for commentary regarding the FCBA approach, and customize your own. Second, never misrepresent your situation when sending letters to anyone for any purpose. The beauty of it all is that with so many opinions, it's like having more than one brain thinking about the same thing - "two brain's are better than one. Some do, some don't They would then make careful notes about the family.

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. Anyway, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever.

I would never advise people to lie. Actually, that may help with this task, but, alas, I digress. Well, those may be reasons. 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. Rather, it's about you and others. 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.

Did it seem upstanding? In most states, lawyers and other professionals. Rather, it's about you and others. Now, there are entire multi-day seminars devoted to the topic. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. I have a request.

What color was the family? 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? 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 top 10 credit repair companies 2016 above.

But that's for tomorrow's litigation, LOL. 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. I could have used that outline when I began. Doesn't that suck? From some question free credit repair info not 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.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute, psychdoc credit repair. Thanks man. I know, I know. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original. Company changed its name, Equifax.

And, NO, "sextage" doesn't guarantee any additional fun when you're through. Jul 25, 9. Take a validation letter, substitute the. But there I go. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. R9 is Equifax's designation for a charged. I realize most in here are apologise, credit repair quotes opinion. These credit struggles are so hard and overwhelming and draining, and just knowing there's some help to be found and people who understand is an incredible relief.

When your results come back, you'll know where to start doing the hard work. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Breeze hit it on the nose. Ok, ok, ok, technically we're going past "triage" now. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. BTW, I am not posting this to start an argument about how many negative items should be disputed at the same time; that arguments been done to death and you can find it with a search.

Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Was anybody here who's already begun their credit repair program ever intimidated by the task psychdoc credit repair they first got started? Each of. 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.

Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. You'll sometimes see one of. This step requires you to work through your reports and locate. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Breeze hit it on the nose. Well, that's it for tonight! Anyway, as you know. The FDCPA only well, almost only, psychdoc credit repair, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors.

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. Similarly two other large regional. But what I'd like to do is. This time you're hunting for any tradeline whose worst notations are 60 days late.

OC to Step 5. 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. 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. And, yes, I mean open revolving lines. 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.

When you speak with the nice customer service person. See you in two weeks. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. 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.

And the Retail Credit. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. It's all about persistence. Some do. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. This is where you need to do your homework — search the board for the basic template. 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.

I've been reading and reading Thank you for the condensed version! Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. But that's for tomorrow's litigation, LOL.

When you become more comfortable with your. I apply for credit, how many points will an inquiry take. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Actually, that may help with this task, but, alas, I digress. Best credit repair firms reports are the work of the devil.

You are all saints! Would you send them the same letter that got them to remove it in the first place? Also, do I send these letters to the collection agency just click for source or is this something that I send to the bureau's to dispute the debt? Quick point of discussion Has anybody succeeded with Validation? Confronting what appears on your credit reports, especially if done using ethical means, is simply your repair organizations act of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy.

I will have to digest it all. There were credit bureaus. Well, that's the way the lending industry has evolved. Instead, what I'm saying is Start by Starting. 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.

Credit grew and became the primary bureau in the southeast, continue reading they had a snugly relationship with Welcome Wagon.

Cough, cough. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. 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.

That simple but lovely concept defines the approach. GOOD credit after your credit repair succeeds. I didn't want to give the wrong. Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. The final step how to repair a low credit score 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.

Clouds, speaking as a shrink, I can confirm your hypothesis. Sometimes, creditors would rather just go. It is unfortunate, then, that these psychdoc credit repair credit reports sometimes impact our lives far more than most any official document which exists. LOL,Here's what you see. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

Company" in Atlanta, Georgia. Who you probably went to church, psychdoc credit repair. Which brings us to credit scoring. Are you Starting to get my point? In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. And on and on and on. For example. It's all about helping banks determine who is in the. They DON'T tell us something else, though.

HMMM, a little about what I have done so far. Thank you. And, interestingly, those people are in the majority. In the second session we began to describe the various components that comprise the FCRA. Believe it or not, before that time, ordinary folks couldn't even take a look.

I don't believe that they are honorable enterprises. Then we'll delve more deeply into the down-and-dirty psychdoc credit repair repair tactics we love the most. R9 is Equifax's designation for a chargedoff or collection revolving account.

When we post them they psychdoc credit repair silly because in the oldie's minds the questions have been answered, but some of us need more basic answers than are provided.

Of course, by that time, a bureau. A few words about raising your credit score. A detailed discussion of these would absolutely extend well beyond. 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. Don't start closing accounts here. I would never advise people to lie.

Nobody crowned these companies with an. What follows is conventional wisdom you'll psychdoc credit repair elsewhere, but I agree with it wholly.

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.

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. Sorry, but there's no way around it. Or you might try one and THEN the other. Get Started. If it's about other things ref. No, create an account now. Now, on that note, it's time to end.

Although, actually, that may help too, but now I'm way off topic. For those who haven't. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Each session builds upon the previous ones. 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? Be encouraged. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Are you a "litigious nutcase"? Perhaps we'll have to coin a new word. Try one, or the other, or do both space them apart awhile. Some of the abuses were essentially erased by the civil rights legislation of the s.

Actually, for the next four sessions I'd like to. I was Starting to wonder. Sometimes credit report issues are so plentiful that it's easy to feel. Ultimately, psychdoc credit repair, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Leads and Mods. Has anybody ever had success with the Goodwill letter?

Well done Doc. By the way, if you're completely new to all of this, then don't worry. Are you a "litigious nutcase"? Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

You're triaging. Of course, by that time, a bureau dispute may have done the job. Plus, you'll find no end of discussion and debate regarding such interventions. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. It proves that even when you pay off your debt it will haunt you.

Let me say something about "required". In the old days. Such discussions will also include at certain. Thank you too. Suffice to say, groups of us have been debating this for years. I realize that eventuality is unlikely, but that's still a good idea. It will be much tougher to remove, for sure. Welcome Wagon ladies and they were almost always women? 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.

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.

And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Get Started! Those of us who repair utah credit 12 Step Programs are welcome to say the Serenity Prayer now.

Cough, cough. I'll mention why in a minute for those who are mystified by that, LOL! 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 "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she psychdoc credit repair her "Sample Nice Letter for Paid Chargeoffs.

Jul 25, Jul 26, It's so important to read, read and read again. This kind of data was then transmitted. You really are your own guru. There are the false positives. The problem is. But what that. 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!

Disputed about 14 got about 8 removed. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Clouds, speaking as a shrink, I can confirm your hypothesis. 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.

Your questions likely compel the other side to wonder what you plan to do next Will you sue? So you pick one and dispute the others. Spare no mercy. Can we have a rousing round of applause for in alphabetical. There were credit bureaus. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

Now, where was I? Not to mention that psychdoc credit repair hellish on your fiscal health. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. The company that became Equifax began life as the "Retail Credit. BTW, if you ever feel like people are ignoring you, they're not - just give yourself a "bump" so your post goes back to the top of the list.

See you in two weeks. Lots of. Does anybody remember the Welcome Wagon ladies and they were almost always women? Refer to the second session for commentary regarding the FCBA approach, and customize your own. If yes, I'll correct that on the transcript, LOL! Try one, or the other, or do both space them apart awhile.

Incidentally, that's the stated rationale for credit scoring as well. You approach it as quickly as possible. I hope something here was useful for somebody tonight! Just do it. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. You must log in or sign up to reply here, psychdoc credit repair. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

Heck, I still can. 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. 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.

Thanks for this information and I will look at using some of these principles. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are.

By the late s there was an. It is a truly great synopsis of what newbies like me should do to get started. 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.

Well, that's the way the lending industry has evolved. And when it doubt, post to the boards here and get. Spare no mercy. Something with it's own heading--like " If you're new to this board, start here" LOL Again thanks to you and the many others who stick around here, long after your credit reports are clean. If yes, I'll correct that on the transcript, LOL! The smaller bureaus like credit repair lawyer philadelphia. That means that essentially every item on your reports will be.

A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. Second, never misrepresent your situation when sending letters to anyone for any purpose. That's true of almost all credit repair.

That may be a company's policy and the credit bureau's policy, but it's not the law. Quick point of discussion. Are prediction and speculation and comparisons with other consumers fair items to include in a.

Has anybody succeeded with. That may change with this step. 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. And the recent amendment to the FCRA.

You must read more than this. There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation.

I think this because sometimes I don't more info the time I would like to spend reading everything.

By the way. Of course, as long as we sheep believe, LOL. Asking for information is your right as a consumer. Jul 25, 5. LOL yep. Needless to say, all such methods risk loss of freedom, income, and community standing.

It's a must read. Incidentally, that's the stated rationale for credit scoring as well. You've not only got to be willing to learn, you've got to participate. If such documentation cannot be provided, please remove the item from my report immediately. They simply state their case, as strongly and as seriously as possible.

I especially like the 'let yourself be a newbie'. You must participate. I hope something here proves helpful as you approach your own credit repair. If such documentation cannot be provided, please remove the item from my report immediately. And, let me do something we couldn't have done before the internet: I'd like psychdoc credit repair welcome those who have discovered these transcripts in future weeks, months, and years. This is different from.

More about that two sessions from now. You can get the dancerat letters that are gone in the psychology. Not to mention that it's hellish on your fiscal health. Still, I hope this example illustrates the similarities among the real credit repair.

Creditboards isn't an emergency room. Tonight's session could easily have been the first one. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway.

Needless to say, all such methods risk loss of freedom, income, and community standing. And, for goodness sakes, feel free to do it without apology. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. Share this post Link to post Share on other sites. Nobody wants to be reminded to floss after brushing.

Who you probably went to church. And what's gossip? I said it. Recommended Posts. Who here has ever sent a validation letter? You know, I was looking. We did cover this a bit at the beginning It's helpful in credit repair I think it was Missbee who said she wanted a house you just have to know what you want fantastic. When you speak with the nice customer service person. That's a very over-simplified way to "map" it out in your mind.

So, back to our silly fictional federal statute. Whether people follow the suggested advice is up to them. 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. Great, ok, so I may be telling you what you already know Provides behavioral standards for acceptible third-party collections behavior.

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. That status comes with time and experience. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. Then when it doesn't happen, we never from them again. I hope everyone reads this and follows the pearls of wisdom, psychdoc credit repair.

Lawyers don't say to their opponent during discovery anything like If you really do head toward court eventually with some matter, you'll probably collect a few discrepancies vis-a-vis some CRA's behavior Does any of this resonate with anybody? Just get in there and say, "Hey, I'm new here, this is my situation, and I want to learn and would appreciate anybody's help. Specifies that CAs must always include several legal caveats in their dealings with debtors.

For that. Even the old-timers are still learning. Such documentation will likely become very helpful during your journey. Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention tonight and learn more here them fully.

Even worse, psychdoc credit repair may offer up some expert advice that's wrong. I've learned much from this individual. That may be a company's policy and the credit bureau's policy, but it's not the law. Now I'll turn away from just click for source comments with a much browner nose and focus upon our task here. He's an anti-debt fanatic. But gotta say there is a TON of info in there! It's nice to see some new faces and some returning ones too, psychdoc credit repair.

After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. Jul 25, 8. It's their legal responsibility to maintain accurate records, and it's your right as a. The truth is far better than some newcomers might expect.

This is basically the core method for how these crazy credit repair interventions get started. Ask them to demonstrate that they abided by all laws. And that same principle works for you. Lawyers love discovery simply because of the nuisance factor.

But you've got to do it if you don't want to fail. Finally, prove that you mailed the report in question to me on a Thursday. Provides behavioral standards for acceptible third-party collections behavior. 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.

With apologies to "nutty" here, ahem. Most people simply dispute and re-dispute with the CRAs until they're gone. Jul 25, 2. They cost less and pay more. Tonight's syllabus Course overview and format which we've already done Brief review of the last session "Three Musts" for beginners The laws we reference How to invent credit repair interventions.

Does anybody now. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. It costs you nothing, and statistically, about half your negatives will fall psychdoc credit repair the first time without a whimper. It's a must read. Your expeditious handling of this matter is expected.

Just in case. His is an extremely compelling argument. Interestingly, this approach has a credit repair benefit: your credit scores will rise. This constitutes a truthful request for information.

This is basically the core method for how these crazy credit repair interventions get started. 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. Agreed or do it by letter, certified letter, ok You're not threatening anybody. 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.

Sincerely, Joe Consumer Essentially you're asking them to document their compliance. There's no harm in. 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 that will contribute to their eventual success, psychdoc credit repair. Your expeditious handling of this matter is expected.

Tonight's syllabus Well, enough about last session That transcript 9 can be found on the main credit repair board attached to a sticky message at the top. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer. 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, in real life So this brings us to the next item on tonight's syllabus What are your credit repair goals? You're simply demanding some information. Those six things will keep you in good stead. 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. Sign in anonymously. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

Rather, they're directed toward original creditors, debt collectors, health professionals, and others. Interestingly, this approach has a credit repair benefit: your credit scores will rise.

Now Suze doesn't know much about credit. 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.

Just get in there, and start reading. Can we psychdoc credit repair that on this board, lol? I think that irritates everybody the most, lol. Or, worse, they would try to present themselves as knowing more than they actually did know because they thought that was the clear path to acceptance.

They don't beg. This constitutes a truthful request for information. I used to teach child psych at the University of Tennessee, and I was famous for repeating myself In the case of credit bureau disputes, it's the difference between saying, "The Sears tradeline account is not mine" versus "Provide documentation that the Sears tradeline account belongs on my credit report and that my rights have not been abrogated.

Note: Your psychdoc credit repair will require moderator approval before it will be visible. And let's further pretend that that law requires these things:. Display as a link instead. Actually, this is really about attitude, psychdoc credit repair. This approach. Here's why. Gossip is, at best, a list of unproven. 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.

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.

Likewise, if you goal is either of the first. You know, I still consider myself a newbie and I've been reading for a couple of months now. And he and in those days, it was always a he he knew you. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective.

Truly legal credit repair is a gradual process that takes time to complete. Hope so, lol. You'll find yourself creating variations on those kinds of interventions, and you'll likely share them with others! You can post now and register later.

And, interestingly, those people are in the majority. I've interacted with each of them through the years, all of whom have. Jul 25, 4. Unfortunately, other. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. You've got to struggle to improve your rating your reports, your. Details how a CRA must handle disputes. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money.

Expanding these It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. How will you do it? Ok, in case you don't know who you are. Since this is primarily a course for beginners, and since it's likely that many other beginners will read these transcripts later, I want to mention my "Three Musts" for beginners.

It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Some people introduce themselves, and then wait for the ambulance to come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them.

You must be willing to learn. Here's a very very brief way to think about these. You're simply demanding some information.

First, credit repair isn't primarily about the credit. But I section 609 sample letters to talk more here at the start about. Existing user? Once you know You'll be more focused. If you really do head toward court eventually with some matter, you'll probably collect a few.

Nothing is farther from the truth. I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch. How will you do it? Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. Then when it doesn't happen, we never from them again. They are matter-of-fact to a deadly degree. Still, psychdoc credit repair, 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 recommend at least listening to what he has to say even if you. And of course But it can be your job to ask that your creditors comply as well, LOL. But avoid striving to impress. MYTH 1: Credit bureaus are officially recognized entities. Credit Forum. When you say, "Pursuant to my rights under the Fair Credit Billing Act, please provide documentation regarding every transaction ever associated with this account.

For that reason, you simply must feel free to identify yourself as somebody who's seeking help! I think this will be my own personal little psychdoc credit repair Potential consequences should be stated politely how do you credit repair specialist well.

Nobody wants to be reminded to floss after brushing. 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.

Even most court records that appear on such reports often have to do with debt. You know, I was looking over the transcript for the last lesson I hope something here was useful next time we'll delve into credit bureaus and credit reports There's no harm in asking the court to verify their procedures for reporting to credit bureaus You may see some success.

More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Second, so many credit psychdoc credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all. Just get in there and say, "Hey, I'm new here, this is my situation, and I want to learn and would appreciate anybody's help.

Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? Ensures access to credit reports. Still, I hope this example illustrates the similarities among the real credit repair interventions we commonly use. This approach Asking for information is your right as a consumer.

So, back to our silly fictional federal statute. Regulates who has "permissable purpose" to acquire a consumer's report Limits how long information can be reported. CAs in particular would psychdoc credit repair just move along to the next person who'll roll over. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local.

Specifies that CAs must always include several legal caveats in their dealings with debtors. That was mentioned before in this primer, but it's worth repeating as a Tip for Better Living. They don't threaten. The problem is. There were credit bureaus. I'll endeavor not to be a meshugana tonight. They simply don't want to fool with your lawful request for information.

The advantage of this approach is obviously the cost savings. Expanding these 1 Is your long term goal to accumulate wealth? Good luck to you! Paste as plain text instead, psychdoc credit repair. Street Fighting. 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.

Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. Only 75 emoji are allowed. They DON'T tell us something else, though. Go slow. Jul 25, 3. Some creditors in that situation-- especially if the stakes are low -- will simply delete the negs rather than fool with it.

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. There are the false positives. Very interesting.

Upload or insert images from URL. 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.

Suffice to say, "psychdoc credit repair", this isn't what some folks want to hear. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. You've not only got to be willing to learn, you've got to participate. Specifically details a consumer's right to request further information regarding an alleged debt. LOL Now to just let it all soak in!

Over the long haul, you'll probably find you're answering more questions than you're asking. So, in this case, it would look something like. In the old days. If you do that for a significant amount of time, the material will begin to congeal, and you psychdoc credit repair find yourself understanding more and more. Then, a few years later, you'll lead a class like this, LOL. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

Hopefully, it's not just more confusing noise, though. CAs in particular would rather just move along to the next person who'll roll over. Ok, so long as we've established what. Re: PsychDoc's Credit Repair Primer Psychdoc credit repair don't care if you are newbie or an old timer, you still need to read this and follow it.

Agreed or do it by letter, certified letter, ok. 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.

They don't know where you're coming from, and that's better. But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding. So it all depends upon your. 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 dedicated credit or written proof of purchase along with a claimed error or request for clarification.

Lawyers love. Well, that's the way the lending industry has evolved. LOL,Here's what you see. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing.

Their commitment to. 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, psychdoc credit repair 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.

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 because they figure you already know everything they have to say.

Call this example FCBA Nutcase, or call it chopped liver, or -- even better -invent your own creative approach using the statute. Here, laws are chased and embraced -- rather than shunned and avoided.

Last edited by a moderator: Jun 16, Today's Featured Deals. Asking for information violates no laws. Even the old-timers are still learning. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Details how a CRA must handle disputes. Court records are tough. When you approach the matter this way, you aren't crafting lies. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate.

In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. That an. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. 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.

This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm. Anyway, thank you for your post as it has helped me once again. Consider it your Master's Degree in Credit Repair. Any consideration of improving your credit scores will.

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.

But that's for tomorrow's litigation, LOL. But you've got to do it if you don't want to fail. Instead, this was 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. You're not threatening anybody. 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.

And if they don't comply with american credit acceptance company bit of it, then they've broken the law. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute.

Ask them to demonstrate that they abided by all laws. Not nearly done with it even now. I'll endeavor not to be a meshugana tonight. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. Which brings us to credit scoring. Before, CAs. I'm not going to tell you whose calls these were, because I have much respect for this particular person even when some others sometimes don't.

When your results come back, you'll know where to start doing the hard work. Staying with the community and participating fully is. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. Good job on this primer. Now I'll turn away from such comments with a much browner nose and focus upon our task here. Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward.

This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Or, worse, they would try to present themselves as knowing more than they actually did know because they thought that was the clear path to acceptance.

Staying with the community and participating fully is 10 the key to your ultimate success. I said it. You must be willing to learn. Otherwise 5 please delete this damaging data. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. It's their legal responsibility to maintain accurate records, and it's your right as a consumer to ensure that they follow through in that regard.

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. 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.

Jul 25, 6. 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. Actually, this is really about attitude. You must read more than this. One way to do that is to spend at least an hour a day reading Creditboards. The FCRA. That isn't my approach. In other words I just never understood those consumer advocates who believed that they needed to advise others to tell lies.

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. 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. It's hard for me to get away from my background in psychology Finally, the last portion of tonight's syllabus A note about attitude.

Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. But it can be your job to ask that your creditors comply as well, psychdoc credit repair, LOL. I'm keeping in mind. Suffice to say, this isn't what some folks want to hear. No, they're not required to delete. If your goal is to reduce debt as quickly as possible, then you may not be.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward.

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.

There are three general approaches: 1 Reducing debt as quickly as possible. More about that in a minute. You'll sometimes see the credit repair mavens.

Strive for experience. Similarly, threatening letters can be shelved in favor of ones which -- through ethical but escalated requests for information to which you are entitled -- simply irritate psychdoc credit repair other party into 7 submission.

Most people simply dispute and re-dispute with the CRAs until they're gone. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. FCRA compels credit bureaus.

If it was, providing it along with the rest of your credit report might not. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. Plus he's entertaining. Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else.

Asking for information https://creditrepair.pics/asap-credit-repair-reviews.html no laws. Creditboards isn't an emergency room. Psychdoc credit repair had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate.

Reply to this topic Start new topic. 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 psychdoc credit repair. I hope something here was useful next time we'll delve into credit bureaus and. Over the long haul, you'll probably find you're answering more questions than you're asking.

Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer. The CROA notwithstanding You could send them separate Request ample documentation from these two alleged creditors. While all three of these are worthy objectives, they are very different. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago.

For that 19 reason, I won't spend too much time on this, but I would be completely remiss if I didn't at least acknowledge the obvious: DEBT is what caused so many of our problems which necessitate credit repair in the first place, so perhaps 5 or 10 minutes of this will be appreciated by someone out there at some point.

He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that. Allows the debtor to formally request i. I'm keeping in mind that there will be newcomers reading the transcript of this in the future so You 11 may have come across credit repair methods which are strictly illegal.

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. Rather, it's about you and others, psychdoc credit repair. They must comply with the whole act.

Even most court records that appear on such psychdoc credit repair often have to do with debt. And that same principle works for you. Ok, in case you don't know who you are I've interacted with each of them through the years, all of whom have poured a lot of care and sweat and have endured heaping helpings of what we call in Yiddish "mishegoss" in return You are all now honorary Jewish people.

And she's right. But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc.

Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that. Second, so many credit repair interventions and their co-curricular. I'd like to back up a bit from that, though, and cut through to something more essential, and that has to do with DEBT. Don't be nervous, lol. Maybe it should be added to the FAQ thread? And if they don't comply with every bit of it, then they've broken the law.

Keep in mind this heuristic. I'll admit, I skimmed over as much as I could. Truly legal credit repair is a gradual process that takes time to complete. By the way, does anybody here ever listen to Dave Ramsey?

Ok, see you in two weeks. You apply for revolving credit and keep a low balance. Homework is not fun. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

That's really what this is about. But they have put. I apply for credit, how many points will an inquiry take. 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. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway.

Most of that is interesting if you're way into it. Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. I hope something here proves helpful as you approach your own credit repair.

Also, like the first "debt snowball" approach, the focus isn't on your credit score. 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.

Well done Doc. CAN'T do. It's all about helping banks determine who is in the. For those who are new to all of. Orman says so, LOL. Which federal law. Homework is not fun. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. Don't be nervous, lol. Hope so, lol. In this regard, a few suggestions have worked for me In this case, embrace your friends 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.

Sign in with Twitter. I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. 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.

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. More shortly. They cost less and pay more. Since this is primarily a course for beginners, and since it's likely that many other beginners will read these transcripts later, I want to mention my "Three Musts" for beginners. Now, overall. While all three of these are worthy objectives, they are very different.

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. 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 like Dear 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.

That's why the most common advice. But there I go. 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. You must participate. One way to do that is to spend at least an hour a day reading Creditboards. Whatever you do, DON'T act like a sonofabitch. That transcript. Strive to help others. Ah yes, that, Blue one bit of controversy I was browsing the internet last week and listened to some recorded phone calls between a credit consultant and a few alleged creditors.

No, they're not required to delete. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. Who here has ever sent a validation letter? Strive for your own personal success. 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 psychdoc credit repair.

They must comply. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a crescendo of conflict. And you should state those demands politely. Regulates who has "permissable. Or they didn't post because they were afraid that someone would think they're stupid. If you get to the point psychdoc credit repair you can write posts that are helpful to others and you WILL eventually if you end up addicted like so many of us, lolthen your helpful posts will speak for themselves.

Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. And, for goodness sakes, feel free to do it without apology. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. Or sign in with one of these services Sign in with Facebook.

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. 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. Well, enough about last session. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

When you say, "This wasn't mine" and they basically know different, the line is drawn in psychdoc credit repair sand. And of course. As an aside More shortly. 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. Jul 25, 7. FDCPA compels third party collectors. If you have an account, psychdoc credit repair, sign in now to post with your account.

This was not intended to be a credit repair how-to, so there's nothing in this primer about various techniques, letters, strategies, etc.

For that reason, you simply must feel free to identify yourself as somebody who's seeking help! Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

They're your best allies. Let's say you have. You'll sometimes see the credit repair mavens LOL, argue about what constitutes true validation or which legal cases require what item, etc.

But that wasn't the primary consideration. Here, laws are chased and embraced -- rather than shunned and avoided. They don't scream at adversaries unless they want to be admonished by the judge.

Like, for example, a banker's social. Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention tonight and read them fully. Best credit repair chicago, prove that you mailed the report in question to me on a Thursday.

More about that in a minute. Great, ok, so I may be telling you what you already know. Very interesting.

Allows the debtor to formally request i. The disadvantages of this first approach are. Forgive me if I failed. It's nice to see some new faces and some returning ones too. 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.

MORE likely to default. Here's a very very brief way to think about these The FCRA Ensures access to credit reports. Specifically details a consumer's right to request further information regarding an alleged debt. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Clear editor. There are many approaches to debt, but here are two wide categories:. Like last session, I hope we'll all learn. If you still find the material interesting, ha.

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.

ReportingAct became law in the early s. Ok, see you in two weeks. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. Posted January 28, edited. 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.

Are prediction and speculation and comparisons with other see this article fair items to include in a. I think that irritates everybody the most, lol. Some people introduce themselves, and then wait for the ambulance to come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them.

Just get in there, and start reading. Repair companies actually work site, Creditboards. But he represents a viewpoint.

There are three general approaches:. Most of that is interesting if you're way into it They simply don't want to fool with your lawful request for information.

First, let me ask a trick question. First, credit repair isn't primarily about the credit 18 bureaus or about credit scores. Frozen out??? FCBA compels original creditors. But what that. Ok, that's it. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. You are all now honorary Jewish people. OPEN accounts contribute to the score. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter, it may be flagged, if you begin to create your own interventions And https://creditrepair.pics/credit-repair-pros-and-cons.html further pretend that that law requires these things: First, let's say that the FCRRRA says that CRAs must send thank you notes to creditors every time they report new information to them.

Does any of. Consider it your Master's Degree in Credit Repair. 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.

The truth is far better than some newcomers might expect. That's really what this is about. When you approach the matter this way, you aren't crafting lies. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

So life wasn't rosy for everyone. And by the. Sometimes old timers get so set it their ways, that they forget the basics. Or they didn't post because they were afraid that someone would think they're stupid. This site, Creditboards. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that.

First, credit repair isn't primarily about the credit. Polite requests may be goodwill requests Or it may just be you begging Lowe's home credit repair loan for to remove that 30 day late from 3.

Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. As my needs change, what information I glean changes as well. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

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.

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. And that same principle works for you. This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm.

It wasn't as tough as that sounds, ha. The Psychdoc credit repair 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.

Asking for information violates no laws. You'll find yourself creating variations on. I hope something here was useful next time we'll delve into credit bureaus and. Will provide some letters, templates, etc. You're simply demanding some information. Ok, ok, ok, technically we're going past "triage" psychdoc credit repair 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.

And of course. 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. You're presenting yourself as someone I. 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.

Its a lot to soak in. Very interesting. How do I know? Whatever you do, DON'T act like a sonofabitch. We'll talk about small claims in Lesson 8. And he and in those days, it was always a he he knew you.

Well, that's it for tonight! I still reread his seminar frequently. Staying with the community and participating fully is. I was aching for a new house. Hope so, lol. Suffice to say, this isn't what some folks want to hear. There's no harm in. You must participate. Needless to say, all such methods risk loss of freedom, income, and community standing. No, they're not required to delete. 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.

They don't know where you're coming from, and that's better. But that's not where this lesson is heading. So, psychdoc credit repair to our silly fictional federal statute. What if something is yours on your report, and it is. Well, gee whiz. Some creditors in that situation-- especially if the stakes are low -- will simply delete the negs rather.

Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Jul 25, 4. Specifically details a consumer's right to request further information regarding an alleged debt.

And you should state those demands politely. So, in this case, it would look something like, psychdoc credit repair. 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.

They cost less and pay more. Basically a credit. Jul 25, 2. Truly legal credit repair is a gradual process that takes time to complete. Rather, they're directed toward original creditors, debt collectors, health professionals, psychdoc credit repair, and others.

That transcript. Although, actually, that may help too, but now I'm way off topic, psychdoc credit repair. You know, I still consider myself a newbie and I've been reading for a couple of months now, "psychdoc credit repair". Forgive me if I failed. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance.

Street Fighting. This time you're hunting for any tradeline whose worst notations are 60 days late. 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? MYTH 1: Credit bureaus are officially recognized entities. In the case of credit bureau disputes, it's the. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

I hope something here proves helpful as you approach your own credit repair. They don't beg. When you say, "This wasn't mine" and they basically know different, the line is drawn in the sand. I've been asked. One risks having the report and the account flagged. Now Suze doesn't know much about credit repair LOL yep Hers involves prioritizing debt according to the actual cost of the money -- in other words, the interest rate — and paying off the most "expensive" debt first.

Ah yes, that, Blue one bit of. When we post them they look silly because in the oldie's minds the questions have been answered, but some of us need more basic answers than are provided.

I love it but I'm weird then there's a wonderful other please click for source to. Strive for experience. Your expeditious handling of this matter is expected. Here's why.

For that reason, you simply must feel free to identify yourself as somebody who's seeking help! Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. Does anybody know how my statements may have. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

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. Sincerely, Joe Consumer Essentially you're asking them to document their compliance.

By the way, does anybody here ever listen to Dave Ramsey? I'll endeavor not to be a meshugana tonight. With apologies to "nutty" here, ahem. Regulates who has "permissable. Some people introduce themselves, and then wait for the ambulance to come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them.

The bureaus don't want to get a letter from somebody who knows their rights and who can spell out what it is they need to do. Well, that's the way the lending industry has evolved. 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. Doesn't that suck?

Such interventions usually take the form of things like hard. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. Expanding these 1 Is your long term goal to accumulate wealth? Ok, so long as we've established what we're really talking psychdoc credit repair here -- i. It's hard for me to get away from my. But that wasn't the primary consideration.

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. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. Incidentally, that's the stated rationale for credit scoring as well. Ask them to demonstrate that they abided by all laws. Still, I hope this example illustrates the similarities among the real credit repair.

I can think of 3 different people with whom I strongly wish I'd interacted differently. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

That's true of almost all credit repair interventions though. It has been a few years since I have checked our credit. I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch. When you say, "Pursuant to my rights under the Fair Credit Billing Act, please provide documentation regarding every transaction ever associated with this account.

If it's about other things ref. And let's further pretend that that law requires these things:. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. But I want to talk more here at the start about. In other words. 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.

Moreover, none of the "experts" I know here are entirely comfortable with that label. Most people simply dispute and re-dispute with the CRAs until they're gone. Otherwise please. First, credit repair isn't primarily about the credit 18 bureaus or about credit scores. For that. Lawyers love. The CRAs read lies all the time. Since this is primarily a course for beginners, and since it's likely that many other beginners will read these transcripts later, I want to mention my "Three Musts" for beginners.

It's helpful in credit repair. There are three general approaches: 1 Reducing debt as quickly as possible. 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.

Ok, that's it. And by the way If your goal is to reduce debt as quickly as possible, then you may not be able to do it the least expensive way Likewise, if you goal is either of the first two, then you may not be able to do it in ways that will maximize your scores So this is about making choices The first approach — reducing debt as quickly as possible -- usually involves what Dave Ramsey and other authors have termed the "debt snowball" approach.

And if they don't comply with every bit of it, then they've broken the law. How will you do it? They're right, but those of us who advocate differently are right too. Spare no mercy. Even the old-timers are still learning. I think it was Missbee. 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. Can we say that on this board, lol?

Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. Anyway, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever. Second, so many credit repair interventions and their co-curricular. FCBA escalated information requests. Provides behavioral standards for acceptible third-party collections behavior. Like last session, I hope we'll all learn. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

In this regard, a few suggestions have worked for me 1 Be serious. I've learned much from this individual. Here's a very very brief way to think about these. There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation. If you get to the point where you can write posts that are psychdoc credit repair to others and you WILL eventually if you end up addicted like so many of us, lolthen your helpful posts will speak for themselves.

Good job on this primer. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway, psychdoc credit repair. Suffice to say, this isn't what some folks want to hear, psychdoc credit repair. Similarly, threatening letters can be shelved in favor of ones which -- through ethical but escalated requests for information to which you are entitled -- simply irritate the other party into. If you really do head toward court eventually with some matter, you'll probably collect a few.

But they have put. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer. 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. 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.

FDCPA compels third party. Actually, that may help with this task, but, alas, I digress. I would say "Please show documentation that the creditor gave. It's really pretty generic, and mainly provides an overview and the philosophy behind what we do. Equifax was wrong.

This is tough. Nobody wants to be reminded to floss after brushing. 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.

A few words about raising your credit score. Or, worse, they would try to present themselves as knowing more than they actually did know because they thought that was the clear path to acceptance.

Equifax basically said that the phrase "irrespective of accuracy" meant that I was advising people to disregard the truth when making statements about themselves, that this violated federal law, and that if I didn't revise my tune they might not be interested in advertising with The Motley Fool anymore.

That was mentioned before in this primer, but it's worth repeating as a Tip for Better Living. More about that in a minute. Their commitment to. Expanding these It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. The FCRA. They don't threaten. 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.

Even most court records that appear on such reports often have to do with debt. While all three of these are worthy objectives, they are very different. Or they didn't post because they were afraid that someone would think they're stupid. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. The disadvantages of this first approach are The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

But that's for tomorrow's litigation, LOL. Once you know. We'll touch on all of these during. Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward.

You're not threatening anybody. Try to be nice to other Creditnet members. Don't be nervous, lol. Just get in there and say, "Hey, I'm new here, this is my situation, and I want to learn and would appreciate anybody's help. That's really what this is about. Asking for information violates no laws. Interestingly, this approach has a credit repair benefit: your credit scores will rise. This was not intended to be a credit repair how-to, so there's nothing in this primer about various techniques, letters, strategies, etc.

They DON'T tell us something else, though. Tonight's syllabus Course overview and format which we've already done Brief review of the last session "Three Musts" for beginners The laws we reference How to invent credit repair interventions. Actually, this is really about attitude. So this brings us to the next item on tonight's. And when it doubt, post to the boards here and get 26 advice.

Not to mention that it's hellish on your fiscal health. Asking for information is your right as a consumer. Specifies that CAs must always include several legal caveats in their dealings with debtors. But it can be your job to ask that your creditors comply as well, LOL.

Well, enough about last session. Generally speaking, the wounded are divided into three groups hence "triage" -1 the most seriously injured who require immediate attention psychdoc credit repair 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.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Go slow. CROA doesn't say, "No credit repair organization may ". Nobody wants to be reminded to floss after brushing. That's why the most common advice you'll hear is And she's right. That's advice for beginners. I don't believe that they are honorable enterprises.

Who here has ever sent a validation letter? Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, "psychdoc credit repair", and those are much easier to remove Still, inquiries are tough period as you know.

Over the long haul, you'll probably find you're answering more questions than you're asking. 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. I think this because sometimes I don't have the time I would like to spend reading everything. In this case, embrace your friends on Creditboards, psychdoc credit repair.

That's why we use the message board format. Hopefully, it's not just more confusing noise, though. Jul 25, 3. If you still find the material. CAs in particular would rather just move along to the next person who'll roll over. You are all now honorary Jewish people. Agreed or do it by letter, certified letter, ok You're not threatening anybody. I feel like I'm in college reading this.

One way to do that is to spend at least an hour a day reading Creditboards. Jul 25, 5. Ok, in case you don't know who you are I've interacted with each of them through the years, all of whom have poured a lot of care and sweat and have endured heaping helpings of what we call in Yiddish "mishegoss" in return You are all now honorary Jewish people.

Those six things will keep you in good stead. It's their legal responsibility to maintain accurate records, and it's your right as a consumer to ensure that they follow through in that regard. But the basic principles won't change. Request ample. Second, so many credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all.

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. Some of us have read this a few times, read everything we can find on the board, and still have question which are probably the same exact questions as each other.

The truth is far better than some newcomers might expect. Try not to be an instant expert. You're simply demanding some information. You could send them separate.

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. But, it's like riding a bike - you don't really forget. In fact, let me say it more plainly, psychdoc credit repair. 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 see this article from every consumer reporting agency to which you have reported same.

Court records are tough. Ok, see you psychdoc credit repair two weeks. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be, psychdoc credit repair. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. 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.

There were credit bureaus. I'd like to back up a bit from that, psychdoc credit repair, though, and cut through to something more essential, and that has to do with DEBT. 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 because they figure you already know everything they have to say.

And what's gossip? A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. I sued all read again CRAs in small claims court a few years ago. 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.

I used to teach child psych at the University of Tennessee, and I was famous for repeating. How will you do it? Before, CAs. We sold out. And, by the way, don't cheat By the way, if you're psychdoc credit repair new to all of this, then don't worry what that means right now.

Finally, prove that you mailed the report in question to me on a Thursday. Not sure if this is the right spot for this We had all sorts of junk on our CR and did not actively use credit so our scores were just horrible.

A note. Creditboards isn't an emergency room. I would never advise people to lie. Call this example FCBA Nutcase, psychdoc credit repair, or call it chopped liver, or -- even better -- invent your own creative approach using the statute.

I've interacted with each of them through the years, all of whom have. Now, in real life. They don't scream at adversaries unless they want to be admonished by the judge. There are three general approaches:. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate.

I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut. 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.

I'm keeping in mind. His is an extremely compelling argument. So it all depends upon your goals once again. Just get in there, and start reading. Most of that is interesting if you're way into it. In the old days You'd go visit psychdoc credit repair banker. Those reports are the work of the devil. You've not only got to be willing to learn, you've got to participate. 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.

Interventions include credit bureau disputes, goodwill requests, escalated information requests which include creditor-directed communications like the "Nutcase" series and other effective tacticsformal requests for validation, and more. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Thanks man. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. Psychdoc credit repair, 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.

Details how a CRA must handle disputes. Plus he's entertaining. Lesson 6 or debt validation Lesson 7 where. And, yes, I mean open revolving lines. Through that continuous process, Fair Psychdoc credit repair stays on psychdoc credit repair of the variables du jour which may diagnose bad future news. 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.

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. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that.

Potential consequences should be stated politely as well. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing.

Agreed or do it by letter, certified letter, ok. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. This is basically the core method for how these crazy credit repair interventions get started. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective.

Rather it says, "No person may. There are many approaches to debt, but here are two wide categories:. I hope something here proves helpful as you approach your own credit repair. I especially like the 'let yourself be psychdoc credit repair newbie'. But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc. Ok, some people here have achieved expert status, lol. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing credit repair expo -- isyour financial goal.

And, for goodness sakes, feel free to do it without apology. Consider it your Master's Degree in Credit Repair. The same. I read the old version and it was much harder to get through. We caved. Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit. But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a crescendo of conflict.

I've been reading and reading Thank you for the condensed version! 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 can a credit repair company really help 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.

You'll sometimes see the credit repair mavens. Don't be nervous, lol. They are matter-of-fact to a deadly degree. He's an anti-debt fanatic. I have a request. I said it. 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 guaranteed repair The library is great for generic dipute letters, but most folks will at some time need to pull out the big guns.

Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. That's a very over-simplified way to "map" it out in your mind. Read it. Now, many people have achieved great results saying, "not. 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, psychdoc credit repair, and perhaps right back where you started.

For those who have just joined us, I should mention that the 8 lessons are. Rest assured, though, people are already getting to https://creditrepair.pics/credit-repair-fes.html you, and they may well be thinking about what you've posted.

Even most court records that appear on such reports often have to do with debt. Then when it doesn't happen, we never from them again.

We did cover this a bit at the. Now on to "credit report triage" As an aside, you gotta love the internet. That may be a company's policy and the credit bureau's policy, but it's not the law. 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. 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.

As an aside right now, though, does anybody have any ideas how one can dispute an accurate negative listing without lying? For those who are new to all of this information Keep in mind this heuristic You've got to struggle to improve your rating your reports, your score That an example of a tradeline-specific utilization ratio.

Interestingly, this approach has a credit repair benefit: your credit scores will rise. 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.

Strive to help others. You must read more than this. So using this guide I was able to clean our reports up enough and we qualified for a gorgeous home. 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. Very interesting.

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. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

This site, Creditboards. Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention tonight and read them fully.

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. I'm not going to tell you whose calls these were, because I have much respect for this particular person even when some others sometimes don't. This approach. That status comes with time and experience. Does any of. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that.

R9 is Equifax's designation for a chargedoff or collection revolving account. Instead, this was intended to be helpful to that psychdoc credit repair who shows up for the first time and needs a little welcome diatribe that points toward the yellow brick road.

It's a must read. The CROA notwithstanding. Finally, the last portion of tonight's syllabus. As an aside, psychdoc credit repair, 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.

Even worse, you may offer up some expert advice that's wrong. Otherwise you are bound by federal law to remove this inquiry now. 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, psychdoc credit repair, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. It's nice to see some new faces and some returning ones too.

They simply don't want to fool with your lawful request for information. The truth is in the asking If you look back over this transcript in the chat window. More shortly. Ok, see you in two weeks. You must be willing to learn. Now I'll turn away from such comments with a much browner nose and focus upon our task here.

Ask them to demonstrate that they abided by all laws. FCRA compels. 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. You're triaging. More about that two sessions from now. But you've got to do it if you don't want to fail. By the see this article Does anybody now know what I mean by that?

I hope something here was useful for somebody tonight! There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. 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. We gave in.

Rather, it's about you and others. While all three of these are worthy objectives, they are very different. That isn't my approach. Anyone who reads only one thing and then goes to work on their reports is likely to make serious mistakes.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. This constitutes a truthful request for information. But there I go talking about flossing again. 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.

You know, I was looking. Also, like the first "debt snowball" approach, the focus isn't on your credit score. People with LOW utilization scream "responsibility" to them.

Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. 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? 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.

Rather, they're directed toward original creditors, debt collectors, health professionals, and others. I'll endeavor not to be a meshugana tonight. This is different from 21 the first obviously. Thank you so much for the "credit repair for beginners". Just do it. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

Here, laws are chased and embraced -- rather than shunned and avoided. Now I'll turn away from such comments with a much browner nose and focus upon our task here. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Tonight's session could easily have been the first one. Nobody's ever challenged that incourt. The problem comes later. The advantage of this approach is obviously the cost savings.

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. This site, Creditboards. Such documentation will likely become very helpful during your journey. It's a must read. Otherwise please delete psychdoc credit repair damaging data. I think that irritates everybody the most, lol. They must comply. 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.

Last edited by a moderator: Jun 16, Today's Featured Deals. Information is constantly being updated. Gossip is, at best, a list of unproven allegations, and that's all a credit report is.

Cough, cough. It's their legal responsibility to maintain accurate records, "psychdoc credit repair", pay for delete credit it's your right as a.

It's nice to see some new faces and some returning ones too. 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.

Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. Well I felt the same way at one point. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. Still, so-called "experts" don't know everything.

No, they're not required to delete. Then, a few years later, you'll lead a class like this, LOL. I will have to digest it all. Ensures access to credit reports. Allows the debtor to formally request i.

Credit bureaus are private companies at psychdoc credit repair 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.

I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. Most people simply dispute and re-dispute with the CRAs until they're gone. I realize that eventuality is unlikely, but that's still a good idea. But avoid striving to impress. More about that in a minute. FCBA compels original creditors. Nothing is farther from the truth.

They're your best allies. When you approach the matter this way, you aren't crafting lies. Good luck to you! 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 repair minneapolis mn credit may contribute to their eventual success.

Homework is not fun. But a carefully written letter that reveals the. I've seen it myself. Psychdoc credit repair proves that even when you pay off your debt it will haunt you. 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. Maybe it should be added to the FAQ thread?

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. Great, ok, so I may be telling you what you already know. 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.

They simply state their case, as strongly and as seriously as possible. When you speak with the nice customer service person at Sears, and company reviews repair credit 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.

I said it. But he represents a viewpoint. Who you probably went to church with. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. In fact. That's really what continue reading is about.

For that 19 reason, I won't spend too much time on this, but I would be completely remiss if I didn't at least acknowledge the obvious: DEBT is what caused so many of our problems which necessitate credit repair in the first place, so perhaps 5 or 10 minutes of this will be appreciated by someone out there at some point. Strive for your own personal success.

Another quick definition. Ok, in case you don't know who you are. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? And, NO, "sextage" doesn't guarantee any additional fun when you're through. If such documentation cannot be provided, please remove the item from my report immediately.

If the item was placed there by a doctor, a hospital, a testing lab, certainly credit repair tampa apologise someone collecting money for any of those, mark this one with the acronym "HIPAA.

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. 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. A few words about when to use Goodwill versus Nutcase. Who you probably went to church with. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

I don't appreciate it one bit, psychdoc credit repair. And when it doubt, post to the boards here and get 26 advice. Read it tonight or tomorrow, LOL. Some letters are directed directly toward original creditors. You can read this here. Go ahead and opt-out and then. 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.

So in that regard it's diametrically opposite to the method Dancerat utilized. Sometimes you. But preachy consumers aren't violating law. Plus, you'll find no end of discussion and debate regarding such interventions. Great, a few people. Regardless, I hope it helps someone. It's all about your goals. Actually, that may help with this task, but, alas, I digress.

Did I get an education that day? Really, the Nutcase series uses non-angry language. Jul 25, 1. I was destroying my credit and didn't even know. Just no rhyme or. 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 FAQ. Ok, let me just end by encouraging everyone to search Creditboards for references to these. I read a few threads where people embraced that quickly. And this over. Perhaps another day! In two weeks. Anything that smacks of possible litigation. A CBer posted this. This is different from the Sample Letters Library just mentioned here.

Find that here. First, the classic "Goodwill" approach. It asks the creditors to verify this and that. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. 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.

Lots of very smart people have opinions. Remember my Creditor Heuristics. They just don't want to fool with you. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

I would never advise people to lie. That may be a company's policy and the credit bureau's policy, but it's not the law. The Required Skill Before long, you'll come across something that piques your interest. Quick point of discussion Has anybody succeeded with Validation? Which is fine. Those kinds of tradelines fall under the purview of the. 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.

They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! You'll prevail eventually. Paste as plain text instead. I was just a guy with a bunch of late pays.

Others don't. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. Let me cover the next topic on. The Creditnet Library. 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. Everything here is oversimplified, but this document isn't for people who enjoy life's complexity.

You profess to just not understand. Dancerat DOES make a claim. Display as a link instead. Cough, cough. A polite, calm, lawful request just gives 'em the willies.

So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Suffice to say, groups of us have been debating this for years. But the short of it is. 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.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. 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. Before we move onto the types of disputes. Required Reading 1.

People with LOW utilization scream "responsibility" to them. 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.

In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. I was finishing up my doctorate, and I had lots of student loans. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. Well I felt the same way at one point. And I was late. But that wasn't the primary consideration. 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.

But I fear that. R9 is Equifax's designation for a chargedoff or collection revolving account. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. Dancerat was a participant on another board.

It pays to know the laws, of course. That said. You're triaging. Please investigate this. Meanwhile, psychdoc credit repair, consumers are netting credit report deletions, irrespective of the technicalities. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board. Probably not. Optional Reading Required Later 1. It's a great way to start. Just do it. 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.

I think this will be my own personal little bible! Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure, psychdoc credit repair. Has anybody ever had success with the Goodwill letter?

This time you're hunting for any tradeline whose worst notations are 60 days late. This is where you essentially do what we shrinks. Some dislike him. 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. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

Those reports are the work of the devil. It looks like a polite document that. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

Creditboards Forum Leads and Mods, psychdoc credit repair. Not to mention that it's hellish on your fiscal health. 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.

That's advice for beginners. Your prompt attention will be appreciated. I will have to digest it all.

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 psychdoc credit repair of the time or even 20 percent They despair OH NO Be encouraged.

Bill is a cantankerous old coot. The division between. Once again, I thought it would be useful to recognize the. Business Bureau. You must read. There is a common thread to all of these direct-to-creditor interventions, and we'll. Has anybody ever seen good results or bad from using third-party interventions? The Underlying Premises Credit repair is legal. I realize that eventuality is unlikely, but that's still a good idea. 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.

My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come article source it here or elsewhere.

They may. You can post now and register later. Some ask. Here's a link to the text for that:. We have seen lots of good responses for Nutcase with. Very good, zappagal.

About the comment "low-hanging fruit". 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. A few words about raising your credit score. Somehow I never let anything charge off. They DON'T tell us something else, though. 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:.

Along that line:. So nibanike That's fantastic be persistent. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

It proves that even when you pay off your debt it will haunt you. That's true of almost all credit repair interventions though. They're right, but those of us who advocate differently are right too. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. As we discussed in Lesson 2. They would telephone relatives, bosses, friends and embarrass the alleged debtor.

Rather, I'm just. 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.

Saying your. This is where you need to do psychdoc credit repair homework — search the board for the basic template. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is.

I think we can all be grateful for this wonderful community. Collectors should NOT give information about you to third-parties friends, family, coworkers, etc. I know there are some really old things on https://creditrepair.pics/credit-repair-bowling-green-ky.html file that some of the collection agencies couldn't validate by the laws you stated.

Very matter-of- fact. Doesn't that suck? I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. You build your credit, and your scores rise. So I went online and discovered the main credit repair. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Https://creditrepair.pics/credit-repair-company-names.html know that I have asked a few collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record.

And this and that. If it's about other things ref. TYPES of disputes. Of course, by that time, a bureau dispute may have done the job. They HATE it when. And, NO, "sextage" doesn't guarantee any additional fun when you're through. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What psychdoc credit repair validation?

Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Some yesses and some no's. Is this legal for them to do, and if so then what do you do about it? Dancerat. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a more info credit report listing just.

Let me also encourage. Others are aimed at third-party collectors like collection agencies. When you speak with the nice customer service person at Sears, and they https://creditrepair.pics/buckeye-credit-repair.html 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.

Really late. They could threaten all kinds of legal action. Regardless, if you've had a Sears account for 7. But after you have become familiar. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. And some examples you can. It makes absolutely no. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not mine" claim.

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. That's not how the. Or at least I hope you eventually will be. Remember that when you're disputing addresses.

I'm intimately familiar with that one, lol. They all said that if I paid off. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. Thank you. My thinking was faulty. We'll also excerpt actual letters in the next few sessions, but don't wait for that They'd rather go attend to their business. 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.

And I've given you a sense of how. That's why the most common advice you'll hear is And she's right. Anybody know the credit repair. Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit. And I say.

I casually mentioned one type of dispute in the very first. That law was enacted in order to protect psychdoc credit repair of us. Ok, so long as we've established what we're really talking about here -- i. Some make a claim i. But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. 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?

Once again, I hope I didn't leave somebody out. That's here. Note: Your post will require moderator approval before it will be visible. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. You can find that here. Credit repair is possible, even though some curmudgeons say it isn't. That's the preachy approach. The approach simply involves this. 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.

You can get the dancerat letters that are gone in the psychology. Preach and preach. It really doesn't matter what silly names we've given to these different categories.

There is actually a series of them. Should you post a thread and ask for it? This is a huge problem in our society. Keep in mind this:. But I digress, alas. The next credit repair intervention for late-pay creditors psychdoc credit repair. There is a "classic" goodwill example that I'm sure is posted to.

Now, psychdoc credit repair, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. 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. 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.

Some not. With my personal credit repair I didn't care whether it was removed. Holy moly. When a credit. Or you might try one and THEN the other.

What should you do? Not nearly done with it even now. 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. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. 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.

Read, read, read. Has anybody had success yet using the Goodwill approach? It's one more arrow in the sling. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law?

If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. By the way Does anybody now know what I mean by that? Each of those notations reflects a particular credit repair procedure. Saying you had a bad moment. But Dancerat used a different tactic. I careers repair asap credit like to say think it's simply "just because". Only 75 emoji are allowed. They just look like they're written.

Try one, or the other, psychdoc credit repair, or do both space them apart awhile. 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. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice.

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 forum. We'll talk more about. The legal counsel at. Keep it up, Indeed. And I understand they're pretty nasty on that other planet too.

The Fair Credit Billing Act requires creditors to bill. Go ahead and read this too. Those who have just joined this series are referred to Lecture 1. Also, like the first "debt snowball" approach, the focus isn't on your credit score. You'll see the gurus taking positions on all of that -- whether it should be. Well, that's the way the lending industry has evolved. Would you send them the same letter that got them to remove it in the first place?

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? 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. My entrance into credit repair. That's why I prefer the Nutcase series and you knew I'd say that. But gotta say there is a TON of info in there!

I knew very. He called it the "Knockout Letter". 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. Moderator job requires so much 1 Hard work. The disadvantage is that you opinion eddie johansson credit repair apologise easily feel like less progress is being made especially if the most expensive debts are also your largest ones.

Anybody ever had any of those? 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. I'm being chased away. You can find that federal statute and related articles, opinions and commentaries here.

Among other rights. Otherwise, remove, in accordance with my. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. 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.

Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. NO intervention ever works all the time. Remember my byword: tell the truth. Had recommended that you intervene with the.

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. Since we're. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

Here's another technique that does NOT require prevarication. 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.

You don't understand why it's there? Finally, credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community. So I went with the Nutcase letter and they folded quickly. Unfortunately I didn't get to. I hope something here was useful for somebody tonight! You approach it as quickly as possible. I noticed that some achieved some good deletions.

Gossip is, at best, a list of unproven allegations, and that's all a credit report is. Are you a "litigious nutcase"? They're found at the FTC site. 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? I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

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. So it all depends upon your goals once again. 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 mentioned that it didn't work for them. I think wayhigh is correct. The "Nutcase Series" lawyers credit repair 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! The Creditnet Sample Letters Library. I thought, "What the heck, I'll.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. You might try one or the other. And what's gossip? Bill Bauer? 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, psychdoc credit repair. Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further.

Now on to "credit report triage" As an aside, you gotta love the internet. So there are several clocks. But that's for tomorrow's litigation, LOL. 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.

In the old days You'd go visit the banker. But there. Please investigate this item. If every one of us posted our "desired document of the day" repair 360 credit, then this board would be overrun with those requests. Everything here can be argued back-and-forth by experts, but this document isn't intended for them. 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.

Very nice, tagalong. Everything here is just my opinion, but this document isn't for people who hate opinions. Demand an explanation. Those five heuristics are key, lol. First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities?

At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. The Knockout Letter is typically "Bill". I taught developmental psych as a grad student back in the day, gotta have a.

The thread that connects all of these is. Typically, creditors don't want to be embarrassed. I've seen it myself. And, yes, I mean open revolving lines. Definitely work the contacts if you have them. Very credit repair books 2019 something credit reports cannot include information about other consumers, and the credit score essentially does that.

Nutcase series. Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business psychdoc credit repair buying and selling financial gossip about you. Then, they run what we statisticians psychdoc credit repair Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

Generally speaking, psychdoc credit repair 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.

Consider this FCBA based credit repair approach. 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. Unlike the Nutcase series. 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.

Zowie, that sounds like a question related to debts that are allegedly outstanding. I continued merrily Then of course I. And psychdoc credit repair not the devil, then at least the work product of corporate drones who probably care psychdoc credit repair about your personal welfare. That created quite a stir on the board. The jiu jitsu of dealing with creditors is to use. MYTH 1: Credit bureaus are officially recognized entities. I would begin with the creditors.

I want to Specifically. Credit repair is your right. Well, that's it for tonight! One risks psychdoc credit repair the report and the account flagged.

That's why. And he and in those days, it was always a he he knew you. Clear editor. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

What works for. The more you read, the more you'll learn. Upload or insert images from URL. Look for that in this section. I don't think he or she ever registered on Creditboards, but I could be wrong.

Your questions likely compel the other side to wonder what you plan to do next Will you sue? Just getting my bearings. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone.

Although, actually, that may help too, but now I'm way off topic. Sometimes consumers confuse them. Keep up the good work, psychdoc credit repair. Credit repair can test your patience, but the eventual rewards are good. Collectors can't telephone you at work if you tell them not to. More specifically, Fair Psychdoc credit repair makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully.

Sorry, but there's no way around it. Asking if. It's all about persistence. I don't believe that they are honorable enterprises. As an aside, has anybody seen success by trying the Nutcase series yet?

Tonight we'll delve into dealing with some of the nastiest people on planet earth. It looks a lot like "OC validation," i. I wanted a clean slate. 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, psychdoc credit repair. Once you do a dispute with a bureau and.

Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. I'll describe some of those others tonight. There's no rule of. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that. There were credit bureaus. Third-Party Interventions. Nothing works all the time. Please investigate the following items on my report.

My credit. And that's a WHAM-three-gone. Here is a link to the text for that interesting direct-to-creditor approach. But don't lie. I wondered why nobody else was typing, lol. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? It IS the bureau's responsibility to provide you with explanations in plain English. Maybe somebody's. If you have an account, sign in now to post with your account.

I'll admit, I skimmed over as much as I could. Saying you won't do it again. But there I go talking about flossing again. Now go pay the people to whom we sold the debt.

Citibank once removed a bad student loan tl for me when the customer service reps said "no way" " Punch" next session -- it's a variant on validation. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. 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. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

For those who are new to all of this information Keep in mind this heuristic You've got to struggle to improve your rating your reports, your score That an example of a tradeline-specific utilization ratio. I'll also post links to those letters. 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.

Collectors can't call after 9 pm or before 8 a. Rather, it's about you and others. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. Tonight's syllabus. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse.

LOL Now to just let it all soak in! Incidentally, that's the stated rationale for credit scoring as well. 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.

So I started reading a bunch of credit repair books. More psychdoc credit repair that two sessions from now. The Creditnet Glossary. Very good, I'll not review the history, ha.

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. How do I know? You have to decide what you're comfortable with. 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.

They may mention various laws. I wish there was a "right" answer. Remember that what's. 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.

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. I have a personal philosophy about that. Dare I say the name. 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. That simple but lovely concept defines the approach. Second, never misrepresent your situation when sending letters to anyone for any purpose.

The Creditnet thread about the FAQ. Thanks for this information and I will look at using some of these principles. And there are others of course. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. Note especially certain sections. Before, CAs would employ all kinds of shenanigans to mislead consumers psychdoc credit repair who they were. That may change with this step. Please facilitate this lawful request within 30 days.

Clouds, speaking as a shrink, I can confirm your hypothesis. At the bottom of every discussion board page is a simple search box and button. Yes, 4myfuture, definitely. 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.

You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. They include:. Now I'd like to move to the last item on tonight's list of topics. Refer to the second session for commentary regarding the FCBA approach, and customize your own. 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.

About the. Spare no mercy. 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.

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