repair credit score

December 25, 2011

Repair Credit Report: The Fastest Way To Increase Your FICO Scores

Filed under: Repair Credit Report — Tags: , , , , , , — @ 5:58 pm


bit.ly Increasing your FICO score may take time and often there is no quick fix. FICO scores reflect credit payment patters over time with more of an emphasis on recently reported information. To find out more information on credit score and other credit card related issues, please visit bit.ly


December 7, 2011

How do I get a “summary” of what I should correct first on my credit report ?

Filed under: Credit Report Repair — Tags: , , , , , — @ 8:56 am


Question by : How do I get a “summary” of what I should correct first on my credit report ?
another credit report question, I have been to so many credit report repair sites, and on one, somewhere ????????? they gave me a summary of what was most critical to dispute, as I know they are wrong. Do you have any idea where I can get that, as I have a long list, and only need to dispute the most important. I know they have a couple of revolving accounts that say I’m seriously past due and because of that summary I saw somewhere once, I know I need to take care of these first along with ????????????? If you know, I would really appreciate your help once again. you can email me too if you wantI NEED A LIST OF WHAT IS MOST CRITICAL TO DISPUTE. ONE SITE GAVE ME THAT BUT CAN’T FIND IT AGAIN.

Best answer:

Answer by Ryan Pesavento
ask for it



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December 3, 2011

Credit Repair – 13 Battle Tested Techniques To Remove Negative Information Off Your Credit Report


bit.ly There are many ways to remove negative items on your credit report. However, the most effective method of getting items deleted to be sending a certified letter, along with documentation to the bureaus that are reporting the negative information.To find out more information on credit score and other credit card related issues, please visit bit.ly



a1creditrepairkit.com – discover 7 proven strategies that will help you repair your credit yourself.

November 27, 2011

What’s the best website to find HONEST people to help someone repair their credit report? Are any free?

Filed under: Credit Report Repair — Tags: , , , , , , , , , , , , — @ 3:54 am


Question by ravensworldrocks: What’s the best website to find HONEST people to help someone repair their credit report? Are any free?


Best answer:

Answer by mblastguy
freecreditreport.com is a good resource and they can point you in the flop direction. or else i would just go through your bank where you have most of your accounts or with your credit card companies.



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November 21, 2011

CA Credit Report Repair: Where can I obtain a form letter to send to creditors?

Filed under: Credit Report Repair — Tags: , , , , , , , — @ 12:57 am


Question by Amy: CA Credit Report Repair: Where can I obtain a form letter to send to creditors?
Where can I find a legal form letter to send to creditors on my credit report to dispute and/or request them to remove themselves from my credit report?My ex-husband’s credit items are showing up on my credit report, so I’d like to starting working on getthing that stuff off.Ahh… I can do this online? That is awesome! I will find that and do it.And, no, these are not my accounts at all, so I’m not on any of them that I’m trying to get removed.Oh Goodness! Let’s hope it doesn’t go down THAT road! I think these are things that happended while we were in separation and legally married while waiting-out the 6-month divorce period.I’m unsure how the Community Property stuff works or if that still makes them MY debts or not.

Best answer:

Answer by Ryan M
You are doing this the hard way. Just dispute the information online with the credit describe agencies and let THEM do the work. However, if you name is on these accounts as joint credit, they cannot and will not remove them from your credit. Not even the creditors themselves will do that. However, if these are recent postings on your credit, THEN your ex might be using your identity to obtain credit. If that is happening, you pretty much must press charges against him or else it will appear that you are complacent with his activities.



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November 19, 2011

Credit Report Repair

Filed under: Credit Report Repair — Tags: , , — @ 12:04 am


www.raise-credit-score.net Credit report repair. If you want to learn how to fix credit and clean up credit report watch this video.You can repair bad credit yourself. Increase my credit score is real and you can do it.


November 16, 2011

How to repair an error on my credit report?

Filed under: Credit Report Repair — Tags: , , , — @ 10:53 pm


Question by knesa27: How to repair an error on my credit report?
I have a collection on my credit report from the old AT&T, when they had wireless products (cell phone.) I paid my account in full, but when I went to check my credit report it says that I owe them $ 5.00 and they put me in collections. Now when I called the collection department to dispute it, the collection department no longer exists because AT&T wireless no longer exists!! Any suggestion on what I should do? I’ve already tried to correct the error with the ascribing reporting agencies, but they need proof that my account was paid in full. HELP!

Best answer:

Answer by redforman1951
The fact that the credit dept no longer exist is in your favor. You can dispute with the credit reporting agency, who has to check with the credit dept at AT&T for validity. (since the imputed dept is gone, so is your problem)



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November 4, 2011

does lexington credit report repair have good standards with the BBB. what bar association are they connected?


Question by mscoolann1@sbcglobal.net: does lexington credit report repair have good standards with the BBB. what bar association are they connected?
do they have high ratings with the better business bureau and what bar association are they with, how many complaints do they have

Best answer:

Answer by Christy
I don’t know about lexington credit report repair, but I can tell 2 things about credit repair agencies:1) if they specialize in repairing mistakes that occasionaly occur in people’s credit reports (and that is your case), don’t waste your money – you can do it yourself for free. You just need to cantact the credit reporting agency (Equifax, Experian or Transunion) that made the mistake and follow their mistake repair procedure.2) if a credit repair agency claims they can fix a genuinely bad credit (and that is your case) by giving you a new identity (new SSN etc), wear’t bother as well – all that is illegal. You would be better off by attempt to pay off your debts by budgeting and discipline, or by employed a qualified financial advisor if you are in deep trouble.Wish you the best of luck!



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November 2, 2011

Iam tryint to repair my credit report, what are the most imporatnt debts to pay ?

Filed under: Credit Report Repair — Tags: , , , , , , — @ 3:51 pm


Question by Lilskeerd: Iam tryint to repair my credit report, what are the most imporatnt debts to pay ?
I got a copy of my credit report andI dont know what the most important things to pay are.I have never had any credit cards so I dont owe any credit card companies.i HAVE TWO MEDICAL COLLECTIONS ACCOUNTS, ONE TO VERIZON WIRELESS, COLLECTIONS FOR A LIBRARY DEBT ,AND ONE I OWE FOR AN APARTMENT THAT I BROKE THE LEASE ON IN 2000..I dont really have 1500.00 to put towards this one..but Id still like to know what is the most helpful to pay forth anyway, and is credit really that important, I have a really know it all friend who says not to pay these that they dont really matter

Best answer:

Answer by peyton
Well I don’t know the reply. I do know that if you want credit in the future you should pay them off. I believe it is 7 years before the ascribe report will remove these debts. That is 7 years from the clock these debts quit reporting.



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October 25, 2011

Is there a way to repair your credit by sending registered letters denying the debts to the credit report cos.

Filed under: Credit Report Repair — Tags: , , , , , , , , , — @ 11:51 am


Question by DetroitDublin: Is there a way to repair your credit by sending registered letters denying the debts to the credit report cos.
I have heard this often. That you tin directed registered lettering denying the debts one by one to the three imputing reporting bureaus and if they didn’t provide proof of the debts within 30 days or something that they had to remove the debts. Everything except judgements. Is this true? If so, how is it done exactly?

Best answer:

Answer by Mary B
What these unethical companies tell you, is only HALF of the legal story.They will take your money for impute repair and tell you that by sending the letter, if the credit bureau does not respond in 30 days, they have to remove it from the calculation of your credit report.However, here is what they DON’T tell you:1. That the item is removed from calculation of your score, but still appears on your report as “in dispute”.2. That even AFTER 30 days, if the creditor can prove that the debt is valid, it can RETURN to your credit report at a later time. There are many, legal reasons why a debt would be “in between creditors” , and that is usually for a collection.In other words, those letters are a band-aid, but they are not a long-term fix.



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