Newbie Primer

[someonesomewhere]

Welcome Newbie!

Read all of this and all the links before taking ANY action.

First, take a deep breath and then let it out. Relax. This is a marathon not a 100 meter dash, and you're no where near Athens, Pheidippides.

If you have not already done so, go here. No, really. Click here.

OK, well at least read this, particularly if online forums aren't your thing.

And please do by all means read this. All both or more pages. There's a lot of information, jargon, abbreviations and acronyms in here, and it takes a bit of time and exposure to understand them. Once you know the words represented by the abbreviation or acronym, then you can start understanding what the words behind the abbreviation or acronym mean. Some that you'll see a lot are OC, CA, DV and PFD.

If you have not already done so, pull your Credit Report (CR) from each Credit Reporting Agency (CRA). There are three major ones and a number of minor ones. Let's focus on the Big 3: Equifax (EQ), Experian (EX), and Trans Union (TU).

Every 12 months, you are entitled to a free copy of your CR. If you have not already done so in the past 12 months, go to annualcreditreport.com and request all three CRs. Other websites may charge you. Use annualcreditreport.com. It's free.

Request EX and TU online, but call the toll free number and request a paper copy of your EQ CR. It will be mailed to you. EQ still seems to have "issues" with online initial requests.

Before you set about disputing anything, online or via Certifed Mail Return Receipt Requested (CMRRR), read this. Every one or more pages.

Once more breath, relax, and again welcome.

[lilwhitepaws]

Thanks for the information

[rjnjr1019]

thanks iam co glad i found you guys

[TTigggers]

Thanks for your input and guidence here. Just wnated to let you knoe that this link doesn't work.
http://www.debt-consolidation-credit...play.php?f=187

[someonesomewhere]

Originally Posted by TTigggers

Thanks for your input and guidence here. Just wnated to let you knoe that this link doesn't work.
http://www.debt-consolidation-credit...play.php?f=187

Worked for me. It's a link to links. There are several stickys you're strongly encouraged to read.

[andbowd]

Thanks

EQ 532, EP 546, TU 541, 01/08

[someonesomewhere]

Well, since you wandered in here, I figured I'd post a few links to some perhaps useful issues to get you outta the gate and running. You did read all the links in the first post of this thread, right?

MadMonkey Newbie sticky

http://debt-consolidation-credit-rep...d.php?t=277579

Credit Repair Newbie sticky

http://debt-consolidation-credit-rep...d.php?t=276514

Credit Monitoring - There are lots of choices, and you probably wanna at least skim the whole thing. If you can't wait, skip to the last few pages and see what folks are using and/or recommended currently.

http://debt-consolidation-credit-rep...d.php?t=274851

Debt Validation (DV)

http://debt-consolidation-credit-rep...d.php?t=267313

Goodwill (GW)

http://www.debt-consolidation-credit...10&postcount=2

Recon[sideration]

http://debt-consolidation-credit-rep...d.php?t=269660

Bumping or *b*

http://www.debt-consolidation-credit...9&postcount=14

MOV - Method Of Verification

http://www.debt-consolidation-credit...60&postcount=2

[Amerikaner83]

Ok this thread is now a sticky! Great & easy to use, easier to understand - well laid out.

[fixcrdt]

Thank you. This is what I have been looking for

[mission700]

I'm soooo excited about this forum and all I need to know about fixing my credit. I know it requires patience and diligence and I have what it takes to reach my goal...MISSION700!!!!

[Tony]

How do you bump, I am new to this... and I thank GOD I found this site

Thanks

[520ErTech]

Thanks for the insight. I just joined today. A single mom who has been divorced for 6 years. I am sorry to admit that I had no idea until I decided I wanted to buy a car. I have tried everything from debt consolidation firms to having a friend who is a finanical advisor tell me "Don't pay them, they will fall off." I had no idea. Feel so overwhelmed I don't know where to begin. I did obtain a 3-in-1 from your creditreport.com I guess one day at a time.

[gator1999]

What happens in this case if I am not the custodial parent and they never billed claiming no insurance was on file(when it was) and then I pull my CR and it's on my credit and not my son's mom credit...she took him and signed any paperwork necessary...can she put me down as the responsible party?

[J_Snow]

Please do not post specific situations in a Sticky Thread. They need to be posted as a new thread in the appropriate Forum.

[driver]

I think I found a home away from home for awhile.

I also think i'm in over head.

[joshua_keifer]

this site is everything i have been looking for

[stephiep]

whew. just started.... taking in all the information and trying to form a plan... and wanted to say THANK YOU for everyone that tries hard to keep these boards updated and useful.

[Cuddles]

I'm a newbie and am ready to get started on this hugh project. I'm excited at the prospect of finally heading in the right direction. Thank god for this site!

[someonesomewhere]

Sometimes folks use Email in waging their credit repair war. Finding them can be easy with Google.

http://www.debt-consolidation-credit...d.php?t=269241

[Chiroplacid]

That really helped. I am just starting my journey, but I am encouraged with all the input/output that I have read so far.