Psychdoc Credit Repair

What should you do? Let me also encourage everyone to post about their successes and otherwise, so that others will be able to benefit from your experience. Such documentation will likely become very helpful during your journey. Agreed credit repair pros number do it by letter, certified letter, ok.

It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative tradeline notations, hopefully, lol. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that.

But he wrote a VERY good direct-to-creditor check this out, and released it to the internet gratis -- which is 50 unusual for him. You know, I was looking. Great, ok, so I may be telling you what you already know. Some yesses and some no's.

I hope something here was useful next time we'll delve into credit bureaus and. 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. So, in this case, it would look something like. 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. There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations.

Here's why. Some dislike him. Those six things will keep you in good stead. Ok, in case you don't know who you are. So in that regard it's diametrically opposite to the method Dancerat utilized. Now, remember that credit repair credit cards canada including you and me as well as corporate citizens can't pick and choose which parts of a statute deserve compliance.

They don't threaten. First, let me ask a trick question. Specifies that CAs must always include several legal caveats in their dealings with debtors. This is a huge problem in our society. By the way. You must be willing credit repair learn.

It IS the bureau's responsibility to provide you with explanations in plain English. Second, so many credit repair interventions and their co-curricular.

I don't appreciate it one bit. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. Here, laws are chased and embraced -- rather than shunned and avoided. You can read this here. FDCPA compels third party. One way to do that is to spend at least an hour a day reading Creditboards. Only 75 emoji are allowed.

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

They don't scream at adversaries unless they want to be admonished by the judge. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. I was destroying my credit and didn't even know enough about CRAs to know it at the time. I think it was Missbee. It's one more arrow in the sling. Sign in with Twitter. Introduce yourself. Keep it up, Indeed. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified.

Otherwise please. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Reply to this topic Start new topic. I wish there was a "right" answer. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer.

Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? It's helpful in credit repair. Ok, see you in two weeks. LOL Now to just let it all soak in! Sign in anonymously. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think bad credit repo car dealerships is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards.

Asking for information is your right as a consumer. Let's say you have. Remember my byword: tell the truth. It makes it easy to print, study and mark up. Allow yourself time to be a newbie.

Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect Credit repair fresno 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.

The CROA notwithstanding. Most people simply dispute and re-dispute with the CRAs until they're gone. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. So this brings us to the next item on tonight's. 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.

While all three of these are worthy objectives, they are very different. Most of that is interesting if you're way into it. Regulates who has "permissable. 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. That's here. I'm keeping in mind. But it can be your job to ask that your creditors comply as well, LOL. And of course. The Knockout Letter is typically "Bill" That's why I prefer the Nutcase series and you knew I'd say that.

Probably not. I love it but I'm weird then there's a wonderful other way to. Did I get an education that day? That isn't my approach. Can we say that on this board, lol? Then, a few years later, you'll lead a class like this, LOL. Yes, 4myfuture, definitely. You're simply demanding some information.

Orman says so, LOL. Asking for information violates no laws. Others may disagree. Very matter-offact. Bill is a cantankerous old coot. That created quite a stir on the board. But preachy consumers aren't violating law.

But I want to talk more here at the start about. You must participate. Consider it your Master's Degree in Credit Repair. Just get in https://creditrepair.cam/credit-repair-jax-fl.html, and start reading. Like last session, I hope we'll all learn. Nothing is farther from the truth. Request ample. And that same principle works for you. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

By the way, does anybody here ever listen to Dave Ramsey? But he represents a viewpoint. And this over here and that over there. Go ahead and read this too. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Gossip is, at best, psychdoc credit repair, a list of unproven. Sometimes consumers confuse them. They don't beg. Here is a link to the text for that interesting direct-to-creditor approach.

And by the. Dare I say the continue reading Bill Bauer? Please facilitate this lawful request within 30 days. It really doesn't matter what silly names we've given to these different categories because YOU can write one even better.

Even the old-timers are still learning. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. And if they don't comply with every bit of it, then they've broken the law. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

And you should state those demands politely. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Please investigate the following items on my report. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

The FCRA. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. Street Fighting.

For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the 49 period I have been a customer. Even most court records that appear on such reports often have to do with debt. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights.

And let's further pretend that that law requires these things:. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. I think that irritates everybody the most, lol. I don't think he or she ever registered on Creditboards, but I could be wrong. Those who have just joined this series are referred to Lecture 1.

That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. 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.

You're not threatening anybody. Over the long haul, you'll probably find you're answering more questions than you're asking. Finally, prove that you mailed the report in question to me on a Thursday.

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.

More about that in a minute. Zowie, that sounds like a question related to debts that are allegedly outstanding. He's an anti-debt fanatic. It's their legal responsibility to maintain accurate records, and it's your right as a. Nothing works all the time. Existing user? Details how a CRA must handle disputes. This constitutes a truthful request for information. Homework is not fun.

CAs in particular would rather continue reading move along to the next person who'll roll over. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks.

They may mention various laws Some make a claim i. That's really what this is about. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to psychdoc credit repair.

And there are others of course. I casually mentioned one type of dispute in the very first session. Display as a link instead. It's nice to see some new faces and some returning ones too. You'll find yourself creating variations on.

This is basically the core method for how these crazy credit repair interventions get started. Expanding these 1 Is your long term goal to accumulate wealth? They must comply. More shortly. Very interesting. 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.

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. But Dancerat used a different tactic. MYTH 1: Credit bureaus are officially recognized entities. And she's right. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it Does here pay here on credit A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a crescendo of conflict. You can find that here. 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.

Actually, this is really about attitude. Share this post Link to post Share on other sites. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight.

Posted February 10, Posted March 7, Thanks Mark! This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm. I'll endeavor not to be a meshugana tonight. LOL yep. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective.

You apply for revolving credit and keep a low balance. I recommend at least listening to what he has to say even if you. Here's a very very brief way to think about these. So, for example, with my PHEAA student loans, I was days what you have a repo your credit several different times over a period of several years.

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. I'll also post links to those letters Those five heuristics are key, lol. Now, overall. In this regard, a few suggestions have worked for me 1 Be serious. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute. 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.

Don't be nervous, lol. I used to teach child psych at the University of Tennessee, and I was famous for repeating, psychdoc credit repair.

They're your best allies. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

Keep in mind this: NO intervention ever works all the time. Should you post a thread and ask for it? So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that. 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.

Others don't. First, the classic "Goodwill" approach Essentially, some creditors, if approached on https://creditrepair.cam/credit-repair-franchise.html right day, and if the right representative is engaged, will forgive a negative credit report listing just because. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU.

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. Frozen out??? If you still find the material. For that. There are quite a few, and you select them based upon the type of tradeline, account, etc. I said it. Read, read, read. It's all about your goals. We did cover this a bit at the. So it all depends upon your. Who here has ever sent a validation letter? 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.

I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch. Upload or insert images from URL. A polite, calm, lawful request just gives 'em the willies.

Asking if 45 there is redemption in this lifetime at Sears. Hope so, lol. A note. You profess to just not understand. You could send them separate. It asks the creditors to verify this and that. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board.

Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success. For most people the designated newbie period should be from two to four weeks. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better.

Really late. You must read. Any consideration of improving your credit scores will. Well, enough about last session. That transcript. You've not only got to be willing to learn, you've got to participate. Others are aimed at third-party collectors like collection agencies. This approach. Keep careful notes in case you ever take 'em to court.

Remember what I said about expert arguments, simplicity, and opinions? Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Interestingly, this approach has a credit repair benefit: your credit scores will rise. In fact. You must read more than this.

Which is fine. Creditboards isn't an emergency room. And what's gossip? You can just click for source that federal statute and related articles, opinions and commentaries here.

They cost less and pay more. Then when it doesn't happen, we never from them again. If every one of us posted our "desired document of the day" here, then this credit start repair to company your own how would be overrun with those requests.

I hope something here proves helpful as you approach your own 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. So, back to our silly credit repair federal statute.

Allows the debtor to formally request i. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

Credit repair can test your patience, but the eventual rewards are good. Ok, so long as we've established what. When you approach the matter this way, you aren't crafting lies. The Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Please investigate this item. Ensures access to credit reports.

In this case, embrace your friends on Creditboards. If your goal is to reduce debt as quickly as possible, then you may not be.

Just in case. Also, like the first "debt snowball" approach, the focus isn't on your credit score. I knew very little about credit reports. Ask them to demonstrate that they abided by all laws. Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. I would like to say The approach simply involves this Saying your sorry. Very good, zappagal. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here.

Potential consequences should be stated politely as psychdoc credit repair. That an. Clear editor. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. Specifically details a consumer's right to request further information regarding an alleged debt.

Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing.

And this and that. Unlike the Nutcase series Dancerat DOES make a claim. The Creditnet Sample Letters Library. It pays to know the laws, of course But after you have become familiar with the various consumer protection statutes The division between You have to decide what you're comfortable with. Demand an explanation. And I've given you a sense of how they divide themselves into the two categories And some examples you can use Now I'd like to move to the last item on tonight's list of topics Third-Party Interventions.

They are matter-of-fact to a deadly degree. To that end, you should acquire your individual consumer report from the three major bureaus Equifax, Trans Union, and Experianand the Creditnet FAQ mentioned at the start will point you in the right direction for that. I've learned much from this individual.

This possible credit repair companies in louisiana with different from. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. OPEN accounts contribute to the score. 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.

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

It makes absolutely no sense to me. You can get the dancerat letters that are gone in the psychology. You've got to struggle to improve your rating your reports, your. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. With apologies to "nutty" here, ahem.

The Required Skill Before long, you'll come across something that piques your interest. Saying you won't do it again. If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed. Lesson 6 or debt validation Lesson 7 where.

Sincerely, Joe Consumer Essentially you're asking them to document their compliance. The more you read, the more you'll learn. Quoting from the second session of this series Consider this FCBA based credit repair approach The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

Ah yes, that, Blue one bit of. Plus he's entertaining. The Creditnet Library. Or sign in with one of these services Sign in with Facebook. No, they're not required to delete. They just look like they're written by somebody who calmly has it together and is about to escalate. So I went with the Nutcase letter and they folded quickly.

I've interacted with each of them through the years, all of whom have. 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. The disadvantages of this first approach are. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. I'm being chased away.

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. He called it the "Knockout Letter". Before, CAs. 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. Tonight's session could easily have been the first one. 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.

But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. The forum Moderator job requires so much If they weren't there, the just click for source would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Your expeditious handling of this matter is expected. 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. Court records are tough.

Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

The advantage of this approach is obviously the cost savings. Or they didn't post because they were afraid that someone would think https://creditrepair.cam/how-to-start-credit-repair-business-in-texas.html stupid. I noticed that some achieved some good deletions. If you have an account, sign in now to post with your account. Does anybody now.

Has anybody had success yet using the Goodwill approach? Note: Your post will require moderator approval before it will be visible.

But I article source, alas. There are three general approaches:. 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. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

It's a must read. His is an extremely compelling argument. Optional Reading Required Later 1. Anything that smacks of possible litigation makes creditors nervous. There are many approaches to debt, but here are two wide categories:.

This is different from the Sample Letters Library just mentioned here. Provides behavioral standards for acceptible third-party collections behavior. 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 site, Creditboards. Nobody wants to be reminded to floss after brushing. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. They simply state their case, as strongly and as seriously as possible. 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.

Preach and preach. Lawyers love. I read a few threads where people embraced that quickly. It's a great way to credit cards repair canada credit. Likewise, if you goal is either of the first.

You don't understand why it's there? Paste as plain text instead. How will you do it? Dancerat was a participant on another board. Your prompt attention will be appreciated. At the bottom of every discussion board page is a simple search box and button. 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.

Now, in real life. If such documentation cannot be provided, please remove the item from my report immediately. Whatever you do, DON'T act like a sonofabitch. Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention confirm.

credit repair solutions downey delirium and read them fully. If you really do head toward court eventually with sorry, credit repair el paso assured matter, you'll probably collect a few.

But don't lie. Ok, let me just end by encouraging everyone to search Creditboards for references to these interventions With respect to the third-party interventions, sometimes it's best to learn about those just by reading the anecdotes posted to the board. Suffice to say, this isn't what some folks want to hear. In the case of credit bureau disputes, it's the.

Finally, your newly-found Creditnet family will provide you plenty of advice and direction. The Creditnet thread about the FAQ. In two weeks It looks like a polite document that your lawyer prepared Lots of very smart people have opinions about all of that, and I'm not taking anything away from them by the way Some make great points. So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

They just don't want to fool with you. You'll sometimes see the credit repair mavens. Still, I hope this example illustrates the similarities among the real credit repair. 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.

For that reason, you simply must feel free to identify yourself as somebody who's seeking help! The Creditnet Glossary. You can post now and register later. So there are several clocks. They'd rather go attend to their business. Does any of. In other words. Needless to say, all such methods risk loss of freedom, income, and community standing. There's no harm in. Find that here. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely.

For those who have just joined us, I should mention that the 8 lessons are. 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 how a credit repair agent reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

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

Here's another technique that does NOT require prevarication. More info why the most common advice. For those who are new to all of. It looks a lot like "OC validation," i. You are all now honorary Jewish people. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful. Posted January 28, edited.

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

Just no rhyme or reason sometimes. Now Suze doesn't know much about credit. Phase 1: Newbie Training. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway. The Schedule Here's a suggested schedule. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

Staying with the community and participating fully is. Please investigate this. Somehow I never let anything charge off. 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.

The truth is far better than some newcomers might expect. Truly legal credit repair is a gradual process that takes time to complete. First, credit repair isn't primarily about the credit. Others mentioned that it didn't work for them. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. It's hard for me to get away from my. Finally, the last portion of tonight's syllabus. Very good, I'll not review the history, ha. But you've got to do it if you don't want to fail.

They simply don't want to fool with your lawful request for information. Their commitment to. 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. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports.

You'll prevail eventually. Now I'll turn away from such comments with a much browner nose and focus upon our task here. And, for goodness sakes, psychdoc credit repair, feel free to do it without apology. And I say that affectionately. Credit Forum. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section.

I prefer polite, but the Knockout Letter has netted great results as well. My entrance into credit repair occurred a half decade ago And I was late on all of them. Perhaps another day! You build your credit, and your scores rise precipitously. This is where you essentially do what we shrinks always advise people not to do in their families Typically, creditors don't want to be embarrassed They HATE it when consumers complain to Has anybody ever seen good results or bad from using third-party interventions?

I wanted a clean slate. Recommended Posts. 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. Keep in mind this heuristic. But they have put. My credit was destroyed. That's a very over-simplified way to "map" it out in your mind. Saying you had a bad moment. Since this is primarily a repair zo reviews credit 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.

Your task at the start is to figure out which letters -- and their associated strategies -- you need in order to attack your specific set of credit-related difficulties. Once you know. 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. What works for one sometimes doesn't work for another, so just delve in. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. Some letters are directed directly toward original creditors. And that's a WHAM-three-gone. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

If yes, I'll correct that on the transcript, LOL!

Learning tricks to improve your credit score? For that reason, you simply must feel free to identify yourself as somebody who's seeking help! Nothing is farther from the truth. 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 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.

What color was the family? I still reread his seminar frequently. For that. Oh yeah. They don't know where you're coming from, and that's better. And you should state those demands politely. They don't threaten. Some creditors in that situation-- especially if the stakes are low -- will simply delete the negs psychdoc credit repair.

I've learned much from this individual. Very smart people on both sides of the discussion sometimes debate this. Moreover, as a happy consequence of confronting what's on your credit report, you may find that alleged I'll explain that adjective in Lesson 7 creditors may forgive alleged debts. The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

I think it was Missbee. Rather it says, "No person may. Equifax was wrong. So we watered down my statements a bit. Then when it doesn't happen, we never from them again. I used to teach child psych at the University of Tennessee, and I was famous for repeating.

Since this is primarily a course for beginners, and since it's likely that many agree repair your own credit your beginners will read these transcripts later, I psychdoc credit repair to mention my "Three Musts" for beginners.

Saying you won't do it again. But preachy consumers aren't violating law. Whether people follow the suggested advice is up to them.

That's really what this is about. But we don't know for sure. Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? The truth is far better than some newcomers might expect. 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 especially like the 'let yourself be a newbie'. Those six things will keep you in good stead. 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.

If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your psychdoc credit repair addresses. There were no restrictions upon WHO could actually pay the credit bureau to see your information.

Call 'em, write 'em, send a smoke signal. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. Equifax was and maybe continues to be an advertiser with their. They don't see it as critical information that must be retained.

Just get in there, and start reading. Which is fine. In fact, let read article say it more plainly. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. The truth is in the asking If you look back over this transcript in the chat window. Does anybody know how my statements may have.

And of course. Get Started! Otherwise please. 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 credit acceptance repo production team if I didn't revise my tune they might not be interested in advertising with The Motley Fool anymore.

Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another. I don't appreciate it one bit.

I said it. My emphasis is about your. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. FCBA compels original creditors. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? You must be willing to learn. But you've got to do it if you don't want to fail. I sued all three CRAs in small claims court a few years ago. Suffice to say, this isn't what some folks want to hear.

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

Even most court records that appear on such reports often have to do with debt. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

Preach and preach. You'll sometimes see the credit repair mavens. I read a few threads where people embraced that quickly. So, in this case, it would look something like. And so on In the FCRA took effect. CAs in particular would rather just move along to the next person who'll roll over.

Now, while we begin to talk about the legal basis for all of this it's bears mentioning for a moment that there are other tactics. The problem comes later. Nobody crowned these companies with an 37 official tag.

When you approach the matter this way, you aren't crafting lies. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that.

Specifies that CAs must always include several legal caveats in their dealings with debtors. They cost less and pay more.

Street Fighting. Please investigate the following items on my report. Others mentioned that it didn't work for them. Jul 25, 5. 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. When you talk about getting your life back in order, I'm guessing that like me at one time bad credit has caused some heartache for.

As my needs change, what information I glean changes as well. I love it but I'm weird then there's a wonderful other way to. Asking for information is your right as a consumer. The Https://creditrepair.cam/do-it-yourself-credit-repair-kit.html notwithstanding.

Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. 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.

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

Nobody wants to be reminded to floss after brushing. This site, Creditboards. Nothing works all the time. Staying with the community and participating fully is. It's a great way to start. You'll find yourself creating variations on. In other words. What if something is yours on your report, and it is. 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.

But I want to talk more here at the start about. Does any of. No, they're not required to delete. 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.

This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm. 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.

Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. Jul 25, 7. Or at least I hope you eventually will be. They don't scream at adversaries unless they want to be admonished by the judge.

Now, there are entire multi-day seminars devoted to the topic. Now, psychdoc credit repair, where was I? If you really do head toward court eventually with some matter, you'll probably collect a few. Now, remember that citizens including you and me as please click for source as corporate citizens can't pick and choose which parts of a statute deserve compliance.

Some do, some don't They would then make careful notes about the family. I hope something here was useful next time we'll delve into credit bureaus and. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a visit web page of conflict.

Thank you too. A note. Does anybody remember the Welcome Wagon ladies and they were almost always women? There are quite a few, and you select them based upon the type of tradeline, account, etc. Great, ok, so I may be telling you what you already know.

Agreed or do it by letter, certified letter, ok. Please investigate this. One way to do that is to spend at least an hour a day reading Creditboards. Ultimately, the more you know, the better you'll be able to decide how YOU how to repair credit score about any number of controversial issues.

Still, I hope this example illustrates the similarities among the real credit repair. You're simply demanding some information. I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair. You must read more than this. Here, laws are chased and embraced -- rather than shunned and avoided.

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. Court records are tough. It's hard for me to get away from my. My credit was destroyed. Thanks man.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. Then, a few years later, you'll lead a class like this, LOL. And if they don't comply with every bit of it, then they've broken the law. Go slow. Just no rhyme or reason sometimes. Did anybody smell of alcohol? Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. It makes absolutely no sense to me.

Rather, they're directed toward original creditors, debt collectors, health professionals, and others. They're your best allies. So using this guide I was able to clean our reports up enough and we qualified for a gorgeous home. You are all now honorary Jewish people. 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.

So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent Anybody who's new to this series of seminars is referred to the transcript for Session 4. The smaller bureaus like that The old Chicago bureau The Credit Bureau of Agreement affiliate credit repair County Similarly two other large regional bureaus combined to create Experian.

I'm not going to take a side Not because I'm afraid to take sides, LOL! Asking if 45 there is redemption in this lifetime at Sears. And that's a WHAM-three-gone. Specifically details a consumer's right to request further information regarding an alleged debt.

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

This is basically the core method for how these crazy credit repair interventions get started. The CRAs read lies all the time. I think this because sometimes I don't have the time I would like to spend reading everything. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove.

As learn more here aside continue reading now, though, does anybody have any ideas how one can dispute an accurate negative listing without lying?

Will provide some letters, templates, etc. TRW was one of the two companies that became Experian. Somehow I never let anything charge off.

There's no harm in. They don't beg. You're presenting yourself as someone I. 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. Those who have just joined this series are referred to Lecture 1. Believe it or not, before that time, ordinary folks couldn't even take a look. Credit bureau disputes are simply ONE intervention we use. 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.

Was there a man in the house? Such documentation will likely become very helpful during your journey. 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. Can we say that on this board, lol?

Your expeditious handling of this matter is expected. Or they didn't post because they were afraid that someone would think they're stupid.

Tonight's session could easily have been the first one. Now I'll turn away from such comments with a much browner nose and focus upon our task here. Actually, this is really about attitude. That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed.

Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history. CROA doesn't say, "No credit repair organization may ". 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. Well, enough about last session.

Now, many people have achieved great results saying, "not. I was aching for a new house. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

Are you Starting to get my point? Good luck to you! More about that in a minute. Basically a credit. 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. I remember when I couldn't buy a car. Stay tuned. In fact, what is advocated here is putting Federal credit repair attorney to work in the service of improving your credit standing.

Finally, prove that you mailed the report in question to me on a Thursday. Very interesting. Details how a CRA must psychdoc credit repair disputes. Truly legal credit repair is a gradual process that takes time to complete.

Here's another technique that does NOT require prevarication. Such interventions usually take the form of things like hard. You'll definitely come across stuff tulsa credit repair makes no sense to you at all, but keep reading anyway. Regulates who has "permissable. Creditboards isn't an emergency room.

Is this legal for them to do, and if so then what do you do about it? The FCRA. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? It wasn't as tough as that sounds, ha. It has been a few years since I have checked our credit. Continue reading, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever.

And of course even though credit affiliate agreement WON'T accuse them of that because perhaps they broke no lawsthey almost always seem to get spooked when asked for such information. Polite requests may be goodwill requests Or it mortgage credit repair company just be you begging Lowe's credit to remove that 30 day late from 3.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores. Last edited by a moderator: Jun 16, Today's Featured Deals. And let's further pretend that that law requires these things:. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. That's a three-fer! This is a huge problem in our society, psychdoc credit repair. 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.

I hope something here proves helpful as you approach your own credit repair. Saying you had a bad moment. I casually mentioned one type of dispute in the very first session. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. Some of the abuses were essentially erased by the civil rights legislation of the s. Don't be nervous, lol. Whatever you do, DON'T act like a sonofabitch. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities.

I knew very little about credit reports. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute. I'll endeavor not to be a meshugana tonight. Consider it your Master's Degree in Credit Repair.

I've interacted with each of them through the years, all of whom have. Ok, that's it. I'll also post links to those letters Those five heuristics are key, lol. Here's why. So there are several clocks. You'll prevail eventually. Who here has ever sent a validation letter? We sold out.

After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. Maybe it should be added to the FAQ thread? I've done some writing and seminar facilitation for The Motley Fool Fool. Please facilitate this lawful request within 30 days. 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.

Now, in real life. We caved. 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. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage.

So this brings us to the next item on tonight's. That transcript. 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.

When you say, "Pursuant to my rights under the Fair Credit Billing Act, please provide documentation regarding every transaction ever associated with this account. I noticed that some achieved some good deletions. The same. Most of that is interesting if you're way into it. By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. Breeze hit it on the nose. Hopefully, it's not just more confusing noise, though.

That created quite a stir on the board. 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 article source for clarification.

Would you send them the same letter that got them to remove it in the first place? I read the old version and it was much harder to get through. Lesson 6 or debt validation Lesson 7 where. You're not threatening anybody. Provides behavioral standards for acceptible third-party collections behavior. Everyone has to define their own emphasis though. Jul 25, 3. Well done Doc. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate.

In the second session we began to describe the various components that comprise the FCRA. Please investigate this item. So, back to our silly fictional apologise, credit repair services in baton rouge la very statute. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights.

We gave in. Jul 25, 2. But a carefully written letter that reveals the. My entrance into credit repair occurred a half decade ago And I was late on all of them.

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???

Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. FCRA compels. Debt reduction? 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.

And that same principle works for you. It proves that check this out when you pay off your debt it will haunt you. Actually yes. Jul 25, 8. Debt elimination? Ok, in case you don't know who you are. 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. 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.

Some people introduce themselves, and then the days foundation repair 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.

And there are others of course. They simply state their case, as strongly and as seriously as possible. First, credit repair isn't primarily about the credit. It IS the bureau's responsibility to provide you with explanations in plain English. Now on to About addresses, either way. In the case of credit bureau disputes, it's the. I hope everyone reads this and follows the pearls of wisdom. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight.

It's their legal responsibility to maintain accurate records, and it's your right as sky blue repair reviews. Demand an explanation. Other intervetions Some ask If it was me I would begin with the creditors. If such documentation cannot be provided, please remove the item from my report immediately. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper.

Like last session, I hope we'll all learn. This approach. Zowie, that sounds like a question related to debts that are allegedly outstanding.

It was a nice break from the abusive past. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Asking for information violates no laws. For the first time, consumers are able to actually take a look at their credit reports! You've not only got to be willing to learn, you've got to participate.

See you in two weeks. Ok, I'll stay away from inventing anymore https://creditrepair.cam/credit-repair-columbus-ohio.html statutes because we've got too many real ones to discuss as we move forward. The Civil Rights Act in particular erased some of that, but some of the abuses continued. 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.

And the Retail Credit Company changed its name, Equifax. 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. I'll mention why in a minute for those who are mystified by that, LOL! But, it's like riding a bike - you don't really forget. Thanks for this information and I will look at using some of these principles. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter.

More shortly. When negatives peel away, your credit score typically improves. I've been asked. You know, I was looking. Potential consequences should be stated politely as well. You don't understand why it's there? I've been reading and reading Thank you for the condensed version! Otherwise please https://creditrepair.cam/credit-repair-companies-in-miami-fl.html this damaging data.

That was mentioned before in this primer, but article source worth repeating as a Tip for Better Living. Most people simply dispute and re-dispute with the CRAs until they're gone. Get Started.

Needless to say, all such methods risk loss of freedom, income, and community standing. 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? Over the long haul, you'll probably find you're answering more questions than you're asking. Request ample. Keep careful notes in case you ever take 'em to court. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be psychdoc credit repair days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is just click for source story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

Keep it up, Indeed. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Good job on this primer.

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. But it can be your job to ask that your creditors comply as well, LOL.

Jul 25, 4. You profess to just not understand. Jul 25, 6. But they have put. When a credit removes an item, it's gone from all three bureaus in one swipe. And, for goodness sakes, feel free to do it without apology. I know some people here must have https://creditrepair.cam/best-credit-repair-companies-in-chicago.html, "Why in the hades are they suggesting I opt-out all the time, lol?

And when that happens, you'll get better rates on loans. It's nice to see some new faces and some returning ones too. 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 this regard, a few suggestions have worked for me 1 Be serious. Nobody's ever challenged that incourt. Finally, the last portion of tonight's syllabus. Anyway, thank you for your post as it has helped me once again. Ok, see you in two weeks. 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.

That's a very over-simplified way to "map" it out in your mind. Here's a very very brief way to think about these. Lawyers love. Similarly, threatening letters can be shelved in favor of ones which article source through ethical but escalated requests for information to which you are entitled -- simply irritate the other party into.

But that's not where this lesson is heading. Keep in mind this: NO intervention ever works all the time. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted. You know, I still consider myself a newbie and I've been reading for a couple of months now. I once wrote an essay on another discussion board which included this professionals for software credit best repair "Don't be a sonofabitch.

For those who have just joined us, I should mention that the 8 lessons are. I would say "Please show documentation that the creditor gave. It seems reasonable. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because.

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.

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. But debt forgiveness is a possible symptom. Their commitment to. I have a request. 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. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

I think that irritates everybody the most, lol. They simply don't want to fool with your lawful request for information. Ask them to demonstrate that they abided by all laws. You must participate. Homework is not fun. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Sometimes old timers get so set it their ways, that they forget the basics. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

In this case, embrace your friends on Creditboards. We'll touch on all of these during. I feel like I'm in college reading this. Even the old-timers are still learning. Did I get an education that day?

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. Rather, I'm just not sure. But don't lie. Did it seem upstanding? Again, some folks believe that the automated systems in place verify one data point or another. When you say, "This wasn't mine" and they basically know different, the line is drawn in the sand.

Some yesses and some no's. We did cover this a bit at the. FDCPA compels third party. Well, gee whiz. They must comply. 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 continued merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else.

Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. Ensures access to credit reports. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. Perhaps another day! Otherwise you are bound by federal law to remove this inquiry now.

Well, that's the reason. In fact. It's helpful in credit repair. Hope so, lol. 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. 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.

This constitutes a truthful request for information. If you still find the material. They are matter-of-fact to a deadly degree. 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. Another quick definition. Sometimes consumers confuse them. I'm keeping in mind. I was Starting to wonder. Tonight I'm going to thank the owners of other sites for all they do.

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.

I would like to say The approach simply involves this Saying your sorry. For example That was the old Atlanta credit bureau. Has anybody had success yet using the Goodwill approach? 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.

Maryland credit repair, what I'm saying is Start psychdoc credit repair Starting. Critically, your GOALS regarding debt will dictate how you go about tackling what learn more here on those reports.

Credit repair can test your patience, but the eventual rewards are good. Call 'em again next week. I kid you not. Second, so many credit repair interventions and their co-curricular. 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. When your results come back, you'll know where to start doing the hard work. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores.

You could send them separate. Thank you so much for the "credit repair for beginners". Get an uncooperative phone rep this week? FCBA escalated information requests. Allows the debtor to formally request i.

Before, CAs. We'll talk about small claims in Lesson 8. Really late. Ah yes, that, Blue one bit of. 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. I will have to digest it all. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer. Forgive me if I failed.

very fastest credit repair company for Get Started.

Just no rhyme or. Dare I say the name Bill Bauer? Maybe somebody's. 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. By the way, there's so much material that I hate to gloss over but this is. It makes absolutely no sense to me. Very nice, tagalong. Bill is a cantankerous old coot. Please investigate the following items on my report. Lots of very smart people have opinions.

But note the following. But there. Holy moly. But I fear that. What works for. The Fair Credit Billing Act requires creditors to bill. Remember my Creditor Heuristics. The thread that connects all of these is. They may mention various laws. So I started reading a bunch of credit repair books. 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. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

Third-Party Interventions. Did I get an education that day? Credit repair can test your patience, but the eventual rewards are good. Collectors should NOT give information about you to third-parties friends, family, coworkers, etc.

Since we're. I taught developmental psych as a grad student back in the day, gotta have a. I was destroying my credit and didn't even know. Anything that smacks of possible litigation. Thanks for this information and I will look at using some of these principles. Had recommended that you intervene with the. 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.

Oh yeah. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. Now on to About addresses, either way. Display as a link instead. Those who have just joined this series are referred to Lecture 1.

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. I'll describe some of those others tonight. 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. HMMM, a little about what I have done so far. Really, the Nutcase series uses non-angry language.

You'll prevail eventually. I read a few threads where people embraced that quickly. My entrance into credit repair. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney.

I hate to give homework. Once again, I hope I didn't leave somebody out. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. He called it the "Knockout Letter".

Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure. Dancerat. But Dancerat used a different tactic. There is a "classic" goodwill example that I'm sure is posted to. Jul 25, 9. Ok, moving along in the syllabus. So I went with the Nutcase letter and they folded quickly. I think wayhigh is correct. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. I don't appreciate it one bit.

I continued merrily Then of course I. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove. Read it tonight or tomorrow, LOL. That created quite a stir on the board. 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 thinking was faulty. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. Among other rights. Preach and preach. There is actually a series of them. If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said before here.

Unfortunately I didn't get to. It pays to know the laws, of course But after you have become familiar with the various consumer protection statutes The division between It proves that even when you pay off your debt it will haunt you.

Many CAs will oblige. Unlike the Nutcase series. I wanted a clean slate. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. Asking if 45 there is redemption in this lifetime at Sears. Zowie, that sounds like a question related to debts that are allegedly outstanding. They don't see it as critical information that must be retained.

Along that line:. It seems reasonable. So I went with the Nutcase letter and they folded quickly. I wish there was a "right" answer. And I say that affectionately. I don't like the "Not mine" dispute for other reasons, and I'll mention those in psychdoc credit repair minute. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. I'm intimately familiar with that one, lol. They include:. Sometimes old timers get so set it their ways, that they forget the basics. Did I get an education that day? My entrance into credit repair occurred a half decade ago And I was late on all of them. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards.

The legal counsel at. Saying your. But preachy consumers aren't violating law. Call 'em again next week. 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. Look psychdoc credit repair that in this section. Let me also encourage.

They HATE it when. Please investigate this item. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Collectors can't telephone you at work if you tell them not to. And I've given you a sense of how. The next credit repair intervention for late-pay creditors is. Saying you won't do it again. So there are several clocks. It really doesn't matter what silly names we've given to these different categories because YOU can write one even better.

Only 75 emoji are allowed. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. Collectors can't call after 9 pm or before 8 a. Upload or insert images from URL. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years.

And this and that. Threats, etc. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly.

Would you send them the same letter that got them to remove it in the first place? Keep careful notes in case you ever take 'em to court. Somehow I never let anything charge off. They may mention various laws Some make a claim i. It's one more arrow in the sling.

It looks a lot like "OC validation," i. I'm being chased away. 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, psychdoc credit repair.

But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight. Keep it up, Indeed. So in that regard it's diametrically opposite to the method Dancerat utilized. I noticed that some achieved some good deletions. Credit Forum. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Perhaps another day! Regardless, if you've had a Sears account for 7. Has anybody had success yet using the Goodwill approach? So there are several clocks. My credit was destroyed. At your house. Please facilitate this lawful request within 30 days. I casually mentioned one type of dispute in the very first. Credit bureau disputes are simply ONE intervention we use. NO intervention ever works all the time.

Keep in mind this:. Are you Starting to get my point? 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 psychdoc credit repair to mark each baddie and how to handle each one accordingly.

I think this will be my own personal little bible! More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair.

Not nearly done with it even now. Very good, zappagal. Once again, I thought it would be useful to recognize the. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. Bill Bauer? Note: Your post will require moderator approval before it will be visible. Others don't. I wondered why nobody else was typing, lol. Those who have just joined this series are referred to Lecture 1.

I wanted a clean slate. Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those?

You'll prevail eventually. Instead, what I'm saying is Start by Starting. Business Bureau. 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.

I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. Keep it up, Indeed. Saying you won't do it again. I read a few threads where people embraced that quickly. There's no rule of, psychdoc credit repair. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

Remember my byword: tell the truth. You have to decide what you're comfortable with. Sometimes consumers confuse them. 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.

Very good, I'll not review the history, ha. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations.

Just getting my bearings. The division between. Very matter-offact. That law was enacted in order to protect all of us. And that's a WHAM-three-gone. If you have an account, sign in now to post with your account.

Jul 25, 7. Sometimes consumers confuse them. Do like Quixote suggested, don't be bashful! I think this because sometimes I don't have the time I would like to spend reading everything.

Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner very credit repair charlotte can by law. So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online https://creditrepair.cam/aod-federal-credit-union-repos.html off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

So I went online and discovered the main credit repair. Really late. I would like to say The approach simply involves this Saying your sorry. TYPES of disputes. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

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. It looks like a polite document that. Preach and preach. I was Starting to wonder. Demand an explanation. Very credit repair cosmo, I'll not review the history, ha.

Disputed about 14 got about 8 removed. I'll also post links to those letters Those five heuristics are key, lol. There are quite a few, and you select them based upon the type of tradeline, account, etc.

Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. They'd rather read article attend to their business.

Paste as plain text instead. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Those five heuristics are key, lol. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis psychdoc credit repair which is 50 unusual for him.

Yes, 4myfuture, definitely. That's a three-fer! It asks the creditors to verify this and that. Very matter-of- fact. Nothing works all the time. Check this out know, I still consider myself a newbie and I've been reading for a couple of months now.

Please investigate this item. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? And the ones who don't. 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. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge.

He called it the "Knockout Letter". It pays to know the laws, of course. 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:.

You can post now and register later. First, the classic "Goodwill" approach. Which is fine. Please investigate this. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. I knew very little about credit reports. The Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully.

Please investigate the following items on my report. I hope tonight that we'll delve in and. Of, the six I have one is child support, and the others are credit cards that came back verified. Thanks again! But don't lie. It asks the creditors to verify this and that. Sometimes you. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

When a credit removes an item, it's gone from all three bureaus in one swipe. Yes, 4myfuture, definitely. It IS the bureau's responsibility to provide you with explanations in plain English.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation? But preachy consumers aren't violating law. In two weeks. Ok, let me just end by encouraging everyone to search Creditboards for references to these. Regardless, if you've had a Sears account for 7 47 years, and you repos credit union deseret first late twice three years ago, I certainly wouldn't send the "nutcase" for that because: 1 you currently have a relationship with the creditor, and 2 an isolated example within the context of a valued customer's otherwise excellent account history really beckons for a "courtesy adjustment" rather than the implied threat of a lawsuit.

You don't understand why it's there? The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Now I'd like to move to the last item on tonight's list of topics. I was destroying my credit and didn't even know enough about CRAs to know it at the time.

I don't think he or she ever registered on Creditboards, but I could be wrong. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. But after you have become familiar. Your prompt attention will be appreciated. It looks a lot like "OC validation," i. But gotta say there is a TON of info in there! I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. Dancerat DOES make a claim.

Anybody ever had any of those? 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. And this over. I'll also post links to those letters. Saying you had a bad moment. They would telephone relatives, bosses, friends and embarrass the alleged debtor. But Dancerat used a different tactic.

Unlike the Nutcase series Dancerat DOES make a claim. Some yesses and some no's. When your results come back, you'll know where to start doing the hard work. It is a truly great synopsis of what newbies like me should do to get started. 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.

With my personal credit repair I didn't care whether it was removed 46 entirely or if just the https://creditrepair.cam/deseret-first-credit-union-repos.html portion was removed. Some dislike him. 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? Others mentioned that it didn't work for them. A CBer posted this.

Anybody who's new to this series of seminars is referred to the transcript for Session 4. The jiu jitsu of dealing with creditors is to use. Has anybody ever seen good results or bad from using third-party interventions? I would suggest that this be listed on it's own rather than in FAQ. This is a huge problem in our society. Please investigate this. I thought, psychdoc credit repair the heck, I'll. As we discussed in Lesson 2. Well done Doc.

First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because. Nutcase series. Just no rhyme or reason sometimes. Keep up the good work. Has anybody had success yet using the Goodwill approach? Finally, does this work when contesting an account that was charged off or is it just for current collection accounts?

And this and that. These do not. Keep in mind this: NO intervention ever works all the time. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. And I understand they're pretty nasty on that other planet too. Let me cover the next topic on. If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc.

That's the preachy approach. Dancerat was a participant on another board. I casually mentioned one type of dispute in the very first session. 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.

I hope everyone reads this and follows the pearls of wisdom. A few words about when to use Goodwill versus Nutcase. I'm being chased away. The Knockout Letter is typically "Bill". Note especially certain sections.

It's all about your goals. Tonight we'll delve into dealing with some of the nastiest people on planet earth. Some not. We have seen lots of good responses for Nutcase with.

That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors. They just look like they're written by somebody who calmly has it together and is about to escalate. 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.

My credit. Thanks in pity, bad credit car repair are for any advise. Here is a link to the text for that interesting direct-to-creditor approach. Definitely work the contacts if you have them. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely.

Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Asking if. But the short of it is. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

And there are others of course. This is a huge problem in our society. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative tradeline notations, hopefully, lol.

Your prompt attention will be appreciated. A polite, calm, lawful request just gives 'em the willies. Call 'em, write 'em, send a smoke signal. A polite, calm, lawful request just gives 'em the willies. Jul 25, 8. Others don't. Saying you had a bad moment. And some examples you can. Bill is a cantankerous old coot. I knew very. 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.

They just don't want to fool with you. And that's a WHAM-three-gone. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. It really doesn't matter what silly names we've given to these different categories. There is a common thread to all of these direct-to-creditor interventions, and we'll. Consider this FCBA based credit repair approach.

Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. 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.

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. They just don't want to fool with you. I'll admit, I skimmed over as much as I could.

That's why I prefer the Nutcase series and you knew I'd say that. Here's a link to the text for that:. And I say. I would like to say think it's simply "just because".

About the. You don't understand why it's there? But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. So in that regard it's diametrically opposite to the method Dancerat utilized.

I don't have to much of a strategy but, to get my credit straight. It's a great way to start. That created quite a stir on the board. Here is a link to the text for that interesting direct-to-creditor approach. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it ISN'T A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

Jul 25, Jul 26, It's so important to read, read and read again. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. I was finishing up my doctorate, and I had lots of student loans. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the 49 period I have been a customer.

They're found at the FTC site. Remember that what's. I guess I am one of the newbies you are talking about. Remember my byword: tell the truth. If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses.

Other intervetions Some ask If it was me I would begin with the creditors. Creditboards Forum Leads and Mods. Some make a claim i. Otherwise, remove, in accordance with my. They'd rather go attend to their business. I don't appreciate it one bit. You profess to just not understand.

The approach simply involves this. Clear editor. LOL Now to just let it all soak in! 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.

Moderator job requires so much 1 Hard work. 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. Others mentioned that it didn't work for them. That said. 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. You'll see the gurus taking positions on all of that -- whether it should be.

You build your credit, and your scores rise. Demand an explanation. Dancerat was a participant on another board. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are: a proveably correct; b don't violate your civil rights; c weren't associated with an "encumbered" consumer protection issue, and d don't reference a transaction that was part of a problematic insurance dispute with all the laws pertaining to thatamong other things.

Get Started! If you inform a CA that you no longer want them. With my personal credit repair I didn't care whether it was removed. They all said that if I paid off.

I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. Jul 25, 6. And I was late. Some dislike him. I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. I'll cite a few more for the transcript. But don't lie. That's not how the. Quoting from the second session of this series Consider this FCBA based credit repair approach The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

It's a great way to start. You build your credit, and your scores rise precipitously. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Great, a few people. Anyway, thank you for your post as it has helped me once again. So nibanike That's fantastic be persistent. This is where you essentially do what we shrinks.

Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. 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.

Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another. And there are others of course. Think, the best credit repair companies similar want to Specifically.

They just look like they're written. Which is fine. Dare I say the name. It IS the bureau's responsibility to provide you with explanations in plain English.

Is this legal for them to do, and if so then what do you do about it? Keep in mind Once you do a dispute with a bureau with guerrilla credit repair tactics that they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified.

It's all about your goals. 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. But we don't know for sure. You can get the dancerat letters that are gone in the psychology. About the comment "low-hanging fruit". In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

Get an uncooperative phone rep this week? Those kinds of tradelines fall under the purview of the. You profess to just not understand. Some yesses and some no's. Zowie, that sounds like a question related to debts that are allegedly outstanding. I don't think he or she ever registered on Creditboards, but I could be wrong. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Somehow I never let anything charge off. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Perhaps another day! Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores.

Now, where was I? 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. 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.

Whether people follow the suggested advice is up to them. It makes absolutely no. And this over here and that over there. They could threaten all kinds of legal action. I was just a guy with a bunch of late pays.

That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Really late. Anything that smacks of possible litigation makes creditors nervous, psychdoc credit repair. Please facilitate this lawful request within 30 days. Tonight's syllabus. I think we can all be grateful for this wonderful community.

Here's another technique that does NOT require prevarication. Credit repair can test your patience, but the eventual rewards are good. Typically, creditors don't want to be embarrassed. I have a personal psychdoc credit repair about that. I continued merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, psychdoc credit repair, that sometimes something will work for one person and not for another, and that one simply must dust article source off and try again or try something else.

I noticed that some achieved some good deletions. That's why. Here's another technique that does NOT require prevarication. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were.

Nothing works all the time. The forum.

And, I hope you'll find it and read it.

Regardless, if you've had a Sears account for 7. As we discussed in Lesson 2. Again, you may not win in court. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. I wish there was a "right" answer. But, then again, most of you won't go to court. Please consult with your attorney if needed, since I am not one, and this is not one-on-one legal advice. So YOU have the. They HATE it when.

How do I know? I don't know you. Brennan 49ACV, Spears was a. Ok, moving along in the syllabus. Collectors can't telephone you at work if you tell them not to. And this and that. Some dislike him. Disputed about 14 got about 8 removed. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. I've seen it myself. 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.

You can request validation at any time. Or at least I hope you eventually will be. So I went with the Nutcase letter and they folded quickly. Also, some testimonials within this transcript from those who confirm. When your results come back, you'll know where to credit repair affiliate program doing the hard work.

Of course, you can be satisfied if you want to be! Business Bureau. Collectors can't call after 9 pm or before 8 a. Of course, by that time, a bureau dispute may have done the job. 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. Although, actually, that may help too, but now I'm way off topic.

And I understand they're pretty nasty on that other planet too. But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateverpsychdoc credit repair, etc. We don't quote that enough. The first one is one we like, and the second one is one.

Has anyone here ever had a tradeline wiped off a credit report, or an. Just because you have requested validation doesn't mean you have disputed anything, Yet. The exciting thing is this. They may mention various laws. Try one, or the other, or do both space them apart awhile. If yes, I'll correct that on the transcript, LOL! Many CAs will oblige. 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, psychdoc credit repair, but the boards contain many relevant discussions worth exploring.

Clear editor. The second citation seems to refute that, but I'd like to delve in a bit there too. 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.

A debt collector who. But there I go talking about flossing again. There are We've reviewed. Spare no mercy. Each of those notations reflects a particular credit repair procedure. 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. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. Now isn't that crap? Or you might try one and THEN the other. And he and in those days, it was always a he he knew you. The following sentences should not substitute for your article source 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 https://creditrepair.cam/30-day-credit-repair.html up as a polite but escalated set of information requests.

That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. You just go, go, go. And I say. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. I'll mention why in a minute for those who are mystified by that, LOL! About collectors. 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.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. Very good, zappagal. I hope tonight that we'll delve in and. I hope everyone reads this and follows the pearls of wisdom. 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.

And the CA. Also reference this excellent case citation. Sign in with Twitter. MAY win! Will a judge stand behind you? 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.

By the way, there's so much material that I hate to gloss over but this is. Second, never misrepresent your situation when sending letters to anyone for any purpose.

This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. I think this because sometimes I don't have the time I would like to spend reading everything. Reply to this topic Start new topic. Some make a claim i. Suffice to say, groups of us have been debating this for years. Ok, let me just end by encouraging everyone to search Creditboards for references to these.

Anything that smacks of possible litigation. Cough, cough. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. They'd rather go attend continue reading their business, psychdoc credit repair. Get Started! That law was enacted in order to protect all of us, psychdoc credit repair. I think that's a biggest credit repair companies argument, and it's certainly true that an established account with a high line of credit adds points to credit scores.

Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. 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.

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. The next credit repair intervention for late-pay creditors is. The "Nutcase Series" enjoys a good number of testimonials, see this article a template and real clique repair rationale can be found on the board Again, nothing works all how long does it take to repair my credit score time, but taking NO action ensures failure, so buck up and move forward!

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.

Now go pay the people to whom we sold the debt. Look for that in this section. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board.

This time you're hunting for any tradeline whose worst notations are 60 days late. But gotta say there is a TON of info in there!

Well I felt the same way at one point. For those who enjoy sound effects, here's Merriam-Webster's Do repair my credit 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.

Sometimes old timers get so set it their ways, that they forget the basics. A CBer posted this. Did anybody smell of alcohol? Jul 25, 2. 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. I have a personal philosophy about that. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights.

Breeze hit it on the nose. Anyway, thank you for your post as it has helped me once again. It's all about persistence. In the second session we began to describe the various components that comprise the FCRA. You can get the dancerat letters that are gone in the psychology. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. If you contend that they haven't provided proof.

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.

Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did Just click for source leave anybody out??? You want to know who I am. I think we can all be grateful for this wonderful community. There's no rule of. 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.

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

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. Bill Bauer? That's true of almost all credit repair interventions though. Gallerizzo, F. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were.

A polite, calm, lawful request just article source 'em the willies.

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. Thanks in advance for any advise. But no law limits your. They're right, but those of us who advocate differently are right too. Results matter. You can post now and register later. The signed contract is not enough. If the collector sends what they. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

Of course, as long as we sheep believe, LOL Which brings us to credit scoring Https://creditrepair.cam/credit-repair-canada.html what you see everywhere Scores range from towith the mean value read article being right at In real life, the most favorable credit rates are typically extended to those with scores of or above.

Dancerat was a participant on another board. R9 is Equifax's designation for a chargedoff or collection revolving account. I'll admit, I skimmed over as much as I could. Plus, you'll find no end of discussion and debate regarding such interventions.

Please click for source, speaking as a shrink, I can confirm your hypothesis.

And some examples you can. I'm intimately familiar with that one, lol. The case. Did it seem upstanding? Otherwise lose it and remove it. Only credit acceptance repo company emoji are allowed.

Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose psychdoc credit repair future news. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. Some yesses and some no's. Display as a link instead. Sign in psychdoc credit repair.

I'll cite a few more for the transcript. Jul 25, 5. 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. Today's Featured Deals. 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.

What works for. In two weeks. Collectors should NOT give information about you to third-parties friends, family, coworkers, etc. Yes, 4myfuture, definitely. Get Started. 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.

We like it. Actually, that may help with this task, but, alas, I digress. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. But let me say this. 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. Repair statistics credit industry of those who do go to court, you. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years.

You want to know that you actually incurred the debt once upon a time. But that's for tomorrow's litigation, LOL. But Dancerat used a different tactic. For example That was the old Atlanta credit bureau. Bergstrom, Castle, Miller, Wollman, Krisor. 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.

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.

Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. The CA in that. The Knockout Letter is typically "Bill". One risks having the report and the account flagged. Now, let me clarify a. Third-Party Interventions. And I've given you a sense of how. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. It can work.

You don't know whether or not you are going to dispute the debt because you don't know if you owe it yet. You'll find a template for the letter, credit repair cloud reviews well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

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 especially like the 'let yourself be a newbie'. You want to know what that. We have seen lots of good responses for Nutcase with. Are you Starting to get my point? Definitely work the contacts if you have them.

Here's a link to the text for that:. You are not obligated to be satisfied with what they send, LOL. Basically, I wouldn't pay psychdoc credit repair 4 or 5 months and then I would make a big lump payment to bring it current. Regardless, if you're looking for a clean report encouraged. They're found at the FTC site. Recommended Posts. It's one more arrow in the sling. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

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. 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.

There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. 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 credit repair san diego Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said.

Are you a "litigious nutcase"? I want those who read this transcript in the future to be encouraged. That may be a company's policy and the credit bureau's policy, but it's not the law. 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.

What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. Please identify yourself better and tell me. In other. Very good, I'll not review the history, ha. Not to mention that it's hellish on your fiscal health.

Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Typically, creditors don't want to be embarrassed. Does anybody remember the Welcome Wagon ladies and they were almost always women? Some judges will cite the day thing in error, I think and some won't. Just do it. If you have an account, sign in now to post with your account. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

That simple but lovely concept defines the approach. Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. Doesn't that suck? Moving on. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

Now, there are entire multi-day seminars devoted to the topic. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts?

Here is a link to the text for that interesting direct-to-creditor approach. Great, a few people. Dancerat DOES make a claim. 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 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? Tonight we'll delve into dealing with some of the nastiest people on planet earth. Well done Doc. 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.

Thank you too. Incidentally, that's the stated rationale for credit scoring as well. And the ones who don't. It's a great way to start. Instead, what I'm saying is Start by Starting.

You're saying, simply, "excuse me, I've never had an account with. Frozen out??? A few words about when to use Goodwill versus Nutcase. Those reports are the work of the devil. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and 6 rapid credit repair my account specifically throughout the. Your questions likely compel the other side to wonder what you plan to do next Will you sue?

In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Refer to the second session for commentary regarding the FCBA approach, and customize your own. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation?

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

Jul 25, 3. Nutcase series. Spears v. There's obviously not time to discuss every one. You approach it as quickly as possible. A few words about raising your credit score. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. 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.

It is a request for information. And, yes, I mean open revolving lines. Has anybody ever had success with the Goodwill letter? You'll see the gurus taking positions on all of that -- whether it should be. Jul 25, 9. There is a "classic" goodwill example that I'm sure is posted to. The legal counsel at. Or sign in with one of these services Sign in with Facebook.

Dare I say the name. Mezines, Cass, Berger. 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. I realize that eventuality is unlikely, but that's still a good idea. But this is exciting. Like every credit repair intervention cited so far, sometimes it works, and.

And when it doubt, post to the boards here and get 26 advice. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. But after you have become familiar. Now, where was I? The division between. And post it to Creditboards. I don't have to much of a strategy but, to get my credit straight. Who you probably went to church with. The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs.

I think wayhigh is correct. Also, please do your due. That said, I'll proceed Learn more here a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. It pays to know the laws, of course. 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.

You have to decide what you're comfortable with. In other words, they say that since a section of Chaudhry says that a simple note that the consumer owes "this much" is. Now I'd like to move to the last item on tonight's list of topics. ABC Collections. And the consumer pressed it again. It doesn't prove that the customer still owed money. Consider this FCBA based credit repair approach.

That's not how the. Jul 25, 8. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. If it's about other things ref. Note especially certain sections. They just don't want to fool with you. 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 don't believe that they are honorable enterprises. That may change with this step.

Thank you. 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:. It's all about your goals. Your prompt attention will be appreciated.

Among other rights. And this over. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Unlike the Nutcase series. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

It asks the creditors to verify this and that. Upload or insert images from URL. LOL Now to just let it all soak in! Whether people follow the suggested advice is up to them. These do not. 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.

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

But 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. Let me also encourage. He called it the "Knockout Letter". Because, as we've seen in this transcript. The operant word there is "can. 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.

Note: Your post will require moderator approval before it will be visible. During tonight's. Here's the gist. I'm being chased away. Jul 25, 7. Oh yeah. Credit Forum. Otherwise they are. They DON'T tell us something else, though. Jul 25, 6. At your house. Quick point of discussion Has anybody succeeded with Validation?

See you in two weeks. Very matter-of- fact. I hope something here was useful for somebody tonight! More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. By the way, when you search the. 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.

Maybe it should be added to the FAQ thread? I was destroying my credit and didn't even know. You do not give up any right when you request information. In any case, a request for validation sometimes results in a consumer-friendly response no matter when it was sent.

Of, the six I have one is child support, and the others are credit cards that came back verified. This works in your favor. Others don't. Ultimately, the more you just click for source, the better you'll be able to decide how YOU feel about any number of controversial issues. Really, the Nutcase series uses non-angry language. You might try one or the other. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

Some do, some don't They would then make careful notes about the family. I was Starting to wonder. There is actually a series of them. Sometimes you. That said. The Fair Credit Billing Act requires creditors to bill.

HMMM, a little about what I have done so far. But note the following. They'll need to file in either Kentucky or Minnesota. Central Collection Bureau, Inc. Now on to "credit report triage" As an aside, you gotta love the internet.

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. Basically, you want a lot of. This is where you need to do your homework — search the board for the basic template. Not nearly done with it even now. So don't let the validation-debaters cow you with the day warning.

As an aside, has anybody seen success by trying the Nutcase series yet? Has anybody ever seen good results or bad from using third-party interventions? Some not. You've got some homework now. That's your consumer right. You're triaging. I wanted a clean slate. It merely shows the presence of. The consumer pressed it. 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.

People with LOW utilization scream "responsibility" to them. Plus, when you read Chaudhry, you'll see that the CA had already sent. Well, that's it for tonight! Rather, it's about you and others. If you inform a CA that you no longer want them. That's advice for beginners. We roll over. I hate to give homework. That's why I prefer the Nutcase series and you knew I'd say that. They actually sent what some of you hope you never see. And, NO, "sextage" doesn't guarantee any additional fun when you're through.

But there. Lots of very smart people have opinions. And sometimes our experts roll over with 'em. 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. You want to know that I actually own the debt I claim I do.

Bill is a cantankerous old coot. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Note that it doesn't say anything about validation. Good job on this primer. I think this will be my own personal little bible! Threats, etc. That means. And finally, you've been reminded that. It looks a lot like "OC validation," i, psychdoc credit repair.

What color was the family? And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. I hope this is helpful so far.

It really doesn't matter what silly names we've given to these different categories. Most are interested in clean credit reports. Some people say flatly. You build your credit, and your scores rise. Sorry, but there's no way around it. Now, having said that, let me backtrack a bit.

Ditto re: WhyChat's analysis. I don't think he or she ever registered on Creditboards, but I could be wrong. I guess I am one of the newbies you are talking about. 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? October 17, Southern District of Indiana, Recker v. Some judges despise debt collectors. Since we're, psychdoc credit repair. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay!

Existing user? They just look like they're written. Remember my byword: tell the truth. 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.

I hate hype. They could threaten all kinds of legal action. So in that regard it's diametrically opposite to the method Dancerat utilized. Paste as plain text instead. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. Timing becomes central. Jul 25, 4. Jul 25, Jul 26, Well, that's the way the lending industry has evolved.

Here's another one for Gryf's notes, LOL. If you are outside the day initial. In the old days You'd go visit the banker. You know, I still consider myself a newbie and I've been reading for a couple of months now. I have found that people here really seem sincere in trying to help or advise people on what they should or should not do.

I would never advise people to lie. They would telephone relatives, bosses, friends and embarrass the alleged debtor. 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. Posted January 28, edited. 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.

Tonight I'm going to thank the owners of other sites for all they do. Remember my Creditor Heuristics. There were credit bureaus. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. 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. So don't let them cow you with Chaudhry. Now, I don't want to suggest that every medical tradeline repair diy credit necessarily appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard.

Read it tonight or tomorrow, LOL. On a related note, tonight I'd like. Very nice, tagalong. In other words, a court has affirmed that validation is a separate event from the debt collection period. So nibanike That's fantastic repair legacy credit persistent.

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. The thread that connects all of these is. It looks like a polite document that. But that wasn't the primary consideration. Maybe somebody's. This is where you essentially do what we shrinks.

Your expeditious handling of this matter is expected. You must participate.

One way to do that is to spend at least an hour a day reading Creditboards. I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch. Credit repair can test your patience, but the eventual rewards are good.

There were no restrictions psychdoc credit repair WHO could actually pay the credit bureau to see your information. Whatever you do, DON'T act like a sonofabitch. Tonight's session could easily have been the first one. Interestingly, this approach has a credit repair benefit: your credit scores will rise. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

I read the old version and it was much harder to get through. This constitutes a truthful request for information. Some of the abuses were essentially erased by the civil rights legislation of the s. You're itching to get started.

The disadvantage is that you can easily feel like less progress is being made especially please click for source the most expensive debts are also your largest ones.

Hope so, lol. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol. You must read. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate. 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.

More about that two sessions from now, psychdoc credit repair. So using this guide I was able to clean our reports up enough and we qualified for a gorgeous home. 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. Believe it or not, before that time, ordinary folks couldn't even take a look.

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. Credit bureau disputes are simply ONE intervention we use. Please investigate this item. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this commit cbi credit repair you Required Reading section, psychdoc credit repair. Let's say you have. They don't threaten. Phase 1: Newbie Training.

So life wasn't rosy for everyone. Here, laws are chased and embraced -- rather than shunned and avoided. I said it. Keep in mind that the FCBA is actually intended to assist consumers with CURRENT charges in dispute, however creditors do not welcome the idea credit repair lafayette la they may have broken the law with your account even several years before. Which is fine. First, credit repair isn't primarily about the credit.

ReportingAct became law in the early s. For most people the designated newbie period should be from two to four weeks. That transcript. TRW was one of the two companies that became Experian. Just no rhyme or reason sometimes. But I want to talk more here at the start about. Specifies that CAs must always include several legal caveats in their dealings with debtors. If such documentation cannot be provided, please remove the item from my report immediately. Please investigate the following items on my report.

So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. Here's where you develop a strategy and then post it for others to review, perhaps something like this: "I think I'm ready to dive in. Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. They don't beg. Some yesses and some no's. Agreed or do it by letter, certified letter, ok.

Phase 2: Plotting Your Strategy. For those who are new to all of. Did it seem upstanding? By the way, the reason I don't recommend just diving in right from the start is because you may discover that slowing down and taking time to do some newbie research first may save you lots of time and money in the long run.

When you approach the matter this way, you aren't crafting lies. Keep in mind this: NO intervention ever works all the time. This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report.

For example That was the old Atlanta credit bureau. Remember what I said about expert arguments, simplicity, and opinions? 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. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that. I've been reading and reading Thank you for the condensed version!

It's nice to see some new faces and some returning ones too. I recommend at least listening to what he has to say even if you. Just enjoy your newbie stage. And that same principle works for you. I kid you not. So it all depends upon your. Which brings us to credit scoring. Who here has ever sent a validation letter? Eventually they'll wonder if it's worth it to report that 60 day late tradeline. I hope something here proves helpful as you approach your own credit repair.

And that's a WHAM-three-gone. Any consideration of improving your credit scores will. Orman says so, LOL. Asking if 45 there is redemption in this lifetime at Sears. That's why the most common advice.

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

Thanks man. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer. How will you do it? But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. Now I'll turn away from such comments with a much browner nose and focus upon our task here. Some do, some don't They would then make careful notes about the family. And there are others of course.

Which federal law. At the bottom of every discussion board page is a simple search box and button. And by the. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt learn more here isyour financial goal.

My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. Ok, so long as we've established what. Anyway, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever.

Gossip is, psychdoc credit repair, at best, a list of unproven. 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.

And you should state those demands politely. My credit was destroyed. I was aching for a new house. You've indulged your newbie-ness for a few weeks, and you've spent a lot of time reading the board. In the second session we began to describe the various components that comprise the FCRA.

And let's further pretend that that law requires these things:. This approach. Lawyers love. No, they're not required to delete. Such documentation will likely become very helpful during your journey.

Court records are tough. I will have to digest it all. Even most court records that appear on such reports often have to do with debt. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove. Finally, prove that you mailed the report in question to me on a Thursday.

The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1. Can we say that on this board, lol? Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those?

When a credit removes an item, it's gone from all three bureaus in one swipe. Even the old-timers are still learning. It makes absolutely no sense to me. Other intervetions Some ask If it was me I would begin with the creditors. That may be a company's policy and the credit bureau's policy, but it's not the law. And, for goodness sakes, feel free to do it without apology.

It proves that even when you pay off your debt it will haunt psychdoc credit repair. Asking for information is your right as a consumer.

And of course. And if they don't comply with every bit of it, then they've broken the law. Nobody wants to be reminded to floss after brushing. His is an extremely compelling argument. That isn't my approach.

Very interesting. But he represents a viewpoint. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. It IS the bureau's responsibility to provide you with explanations in plain English. You've not only got to be willing to learn, you've got to participate. You don't understand why it's there? Most people begin experiencing substantial improvements pretty quickly, though! It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

I still reread his seminar frequently. I feel like I'm in college reading this. Call 'em, write 'em, send a smoke signal. It's their legal responsibility to maintain accurate records, and it's your right as a. I noticed that some achieved some good deletions. So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of article source pays To think, credit repair for dummies cleared this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

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. To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure.

As my needs change, what information I glean changes as well. Saying you won't do it again. I've got this and this and this, and I'm going to send Goodwill letters to these two, and straight validation letters to these three, Quixote's modified Knockout letter to this one, PsychDoc's Nutcase series to that one, and I think I'd like to sue this last one.

It's a must read. Nothing works all the time. In this case, embrace your friends on Creditboards. Provides behavioral read article for acceptible third-party collections behavior. The Civil Rights Act in particular erased some of that, but some of the abuses continued.

Introduce yourself. Truly legal credit repair is a gradual process that takes time to complete. 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, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not. When we psychdoc credit repair 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. Over the long haul, you'll probably find you're answering more more info than you're asking.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward. I'm not going to take a side Not because I'm afraid to take sides, LOL! Again, some folks believe that the automated systems in place verify one data point or another, psychdoc credit repair. More shortly. 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.

Most of that is interesting if you're way into it. Like, for example, a banker's social. Ok, see you in two check this out. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. 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. Please facilitate this lawful request within 30 days.

LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? Those six things will keep you in good stead. Here's why. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. I have a request. I've interacted with each of them through the years, all of whom have. I love it but I'm weird then there's a wonderful other way to.

I read a few threads where people embraced that quickly. 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.

You must read more than this. All of us are human. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly.

I hope something here was useful next time we'll delve into credit bureaus and. They cost less and pay more. The truth is far better than some newcomers might expect. 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. For the first time, consumers are able to actually take a look at their credit reports! They are matter-of-fact to a deadly degree.

Those who have just joined this series are referred to Lecture 1. Get an uncooperative phone rep this week? Rather, I'm just not sure. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing.

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. 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.

They simply state their case, as strongly and as seriously as possible. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. My entrance into credit repair occurred a half decade ago And I was late on all of them. But it can be your job to ask that your creditors comply as well, LOL.

Now on to About addresses, either way. I would like to say The approach simply involves this Saying your sorry. Just get in there, and start reading. This site, Creditboards. Ok, in case you don't know who you are. So, back to our silly fictional federal statute.

For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, psychdoc credit repair, but I'm going to do something different for the second four sessions.

A credit report doesn't even enjoy the official legal status of, say, sky blue credit repair complaints driving record maintained at your local. For those who have just joined us, I should mention that the 8 lessons are. The disadvantages of this first approach are. Now, overall. LOL yep. Who you probably went to church.

Ask them to demonstrate that they abided by all laws. 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. Well, that's the reason. This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm. As an aside, I have learned to HATE it when a relative or neighbor says this to me whenever I've experienced a problem being a husband, parent, etc.

Well, that's the way the lending industry has evolved. Just in case. I'm keeping in mind. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. Now Suze doesn't know much about credit. Manipulating ones borrowing and repayment patterns is perhaps the quickest way to sky credit a credit score -- even, in some cases, irrespective of what actually appears on the credit report.

Tips for Better Living Anyone who reads this last primer section will surely be able to point out the times I myself have violated these rules. CAN'T do. Likewise, if you goal is either of the first.

Does anybody remember the Welcome Wagon ladies and they were almost always women? Their commitment to. Here's another technique that does NOT require prevarication. See you in two weeks. Creditboards isn't an emergency room. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway.

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.

Actually, this is really about attitude. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money.

By the way, does anybody here ever listen to Dave Ramsey? There were credit bureaus. I knew very little about psychdoc credit repair reports. You profess to just not understand. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history. Others mentioned that it didn't work for them. 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.

That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed.

Did anybody smell of alcohol? Does any of. 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. Allow yourself time to be a newbie. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU.

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. But, it's like riding a bike - you don't really forget.

It has been a few years since I have checked our credit. Saying you had a bad moment. 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. 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.

Actually yes. I casually mentioned one type of dispute in the very first session. But preachy consumers check this out violating law. Was there a man in the house? Perhaps another day! In the old days. If you really do head toward court eventually with some matter, you'll probably collect a few. Read it. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

I don't appreciate it one bit. 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 assured credit repair los angeles still retain their licenses to practice.

They're your best allies. 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. Ensures access to credit reports. Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. Anybody who's new to this series of seminars is referred to the transcript for Session 4.

Most people simply dispute and re-dispute with the CRAs until they're gone. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight. Try to be nice to other Creditnet members. You know, I was looking.

The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses. 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. Tonight I'm going to thank the owners of other sites for all they do.

Thank you too. But we don't know for sure. Keep in mind this heuristic. Street Fighting. But they have put. There are three general approaches:. Others are aimed at third-party collectors like collection agencies.

Thank you so much for the "credit repair for beginners". Very smart people on both sides of the discussion sometimes debate this. This is basically the core method for how these crazy credit repair interventions get started. I'll also post links to those letters Those five heuristics are key, lol.

More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair. Incidentally, that's the stated rationale for credit scoring as well. Well, enough about last session. 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.

More about that in a minute. MYTH 1: Credit bureaus are officially recognized entities. You are all now honorary Jewish people. Does anybody now. Even psych PhDs, lol. That's a three-fer! Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Please investigate this. Unfortunately, other. The FCRA. OPEN accounts contribute to the score. It's a great way to start. Phase 3: In the Thick of Things. This is tough. Also, like the first "debt snowball" approach, the focus isn't on your credit score. By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. 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.

And what's gossip? And so on In the FCRA took effect. Anyone who reads only one thing and then goes to work on their reports is likely to make serious mistakes.

To that end, you should acquire your individual consumer report from the three major bureaus Equifax, Trans Union, and Experianand the Creditnet FAQ mentioned at the start will point you in the right direction for that. Sometimes companies don't want to take the time to psychdoc credit repair your lawful request in that manner, and some of those sometimes simply delete the offending tradeline rather than fool with it or you anymore. Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc.

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. Don't be nervous, lol. It was a nice break from the abusive past.

Really late. They don't see it as critical information that must be retained. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. 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.

Regulates who has "permissable, psychdoc credit repair. Staying with the community and participating fully is. Your task at the start is to figure out which letters -- and their associated strategies -- you need in order to attack your specific set of credit-related difficulties. This is different from. Somehow I never let anything charge off. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

While all three of these are worthy objectives, they are very different. There's no harm in. CAs in particular would rather just move along to the next person who'll roll over. 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.

Now, there are entire multi-day seminars devoted to the topic. Here's a very very brief way to think about these. What color was the family? You'll sometimes see the credit repair mavens.

Information is constantly being updated. Its a lot to soak in. Consider it your Master's Degree in Credit Repair. The more you read, the more you'll learn. Some letters are directed directly toward original creditors. Like last session, I hope we'll all learn. I fondly remember the beginning when I knew nothing. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. 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.

Demand an explanation. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. 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.

Suffice to say, this isn't what some folks want to hear. He's an anti-debt fanatic. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a crescendo of conflict. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

This can take anywhere from a few months to a few years, depending upon your goals, the amount of time you're willing to devote to your new credit repair avocation, skill, and unfortunately even luck. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. Before, CAs. Very matter-offact. Here's my thinking.

The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, first, what it ISN'T Credit repair company reddit CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Homework is not fun. But that wasn't the primary consideration. If your goal is to reduce debt as quickly as possible, then you may not be. Still, I hope this example illustrates the similarities among the real credit repair. I think that irritates everybody the most, lol. You'll prevail eventually. Or they didn't post because they were afraid that someone would think they're stupid.

Potential consequences should be stated politely as well. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing for pdf repair credit dummies because.

Details how a CRA must handle disputes. It seems reasonable. Allows the debtor to formally request i. You apply agree, credit repair agencies near me certainly revolving credit and keep a low balance.

Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. I've learned much from this individual. You've got to struggle to improve your rating your reports, your. Plus he's entertaining, psychdoc credit repair. Sometimes consumers confuse them. If yes, I'll correct that on the transcript, LOL! What do you think? You must be willing to learn.

I'll mention why in a minute for those who are mystified by that, LOL! Keep careful notes in case you ever take 'em to court. The Schedule Here's a suggested schedule. By the way. First, let me ask a trick question. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks.

Anyway, Phase 2 can take as little as a few hours to a few days. 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. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

Specifically details a consumer's right to request further information regarding an alleged debt. Call 'em again next week. The advantage of this approach is obviously the cost savings. Nothing is farther from the truth. And he and in those days, it was always a he he knew you.

And she's right. 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.

Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Great, ok, so I may be telling you what you already know.

Others may disagree. For that reason, psychdoc credit repair simply must feel free to identify yourself as somebody who's seeking help! But don't lie. 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 credit repair quest active 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.

This is a huge problem in our society. And the Retail Credit Company changed its name, Equifax. Finally, your newly-found Creditnet family will provide you plenty of advice and direction. 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.

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. They simply don't want to fool with your lawful request for information.

I'll endeavor not to be a meshugana tonight. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. So, in this case, it would look something like. Breeze hit it on the nose. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. That an.

Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Thanks for this information and I will look at using some of these principles. Asking for information violates no laws. Read, read, read. You're simply demanding some information. Keep it up, Indeed.

With apologies to "nutty" here, ahem. Of course, as long as we sheep believe, LOL. 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??? Did I get an education that day?

Zowie, that sounds like a question related to debts that are allegedly outstanding. 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.

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

That's why we use the message board format. 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.

Ah yes, that, Blue one bit of. That's really what this is about. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions.

So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards.

Nobody crowned these companies with an 37 official tag. Has anybody had success yet using the Goodwill approach? They don't scream at adversaries unless they want to be admonished by the judge. Needless to say, all such methods risk loss of freedom, income, and community standing. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board.

Preach and preach. You're not threatening anybody. 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. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute. There are many approaches to debt, but here are two wide categories:.

Then when it doesn't happen, we never from them again. Expanding these 1 Is your long term goal to accumulate wealth? So there are several clocks. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. But you've got to do it if you don't want to fail.

They must comply. Second, so many credit repair interventions and their co-curricular. That created quite a stir on the board. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out. There are quite a few, and you select them based upon the type of tradeline, account, etc.

div class="container">
Click for The Best Credit Repair Service. Initial Advice Free!