In other (more lengthy) words, your credit score will not be “calculated” in the same way contingent on which credit reporting agency you request it from.  With so much emphasis on a consumer’s credit score in today’s tumultuous economy, when you request your credit score, you want to see the same score that a potential […]

Popularity: 20% [?]

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Many times consumers will open up a line of credit hoping to rebuild their credit. it will do you no good if the creditor does not report your payment history to the credit bureaus. Creditors are not required to report anything to the credit bureaus by law. The only requirement is […]

Popularity: 22% [?]

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TransUnion is taking sign ups for a Free Credit Monitoring Service.  We first posted the news of the free service on June 2, but it was not available at the time.  As of June 25, you may now sign up for it. Recap of the why they are offering this free service:
The credit […]

Popularity: 24% [?]

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Just received this email, and thought it was interesting AND important to put out there.
My case was dismissed for lack of evidence on behalf of the collector who admitted they didn’t have anything. How do I go about removing this mark on my credit report?
You would dispute the tradeline with the credit bureaus as […]

Popularity: 29% [?]

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Since foreclosure rates are going through the roof, I am getting this question a lot lately. If you are faced with this situation, you’ll probably want to know how big a hit your credit is going to take.
My typical answer to all things score related is “if I knew the answer, I’d […]

Popularity: 10% [?]

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I received the initial letter on 2/18/08, but this played out nicely and thought I would share as it is a good reason why the consumer should NEVER roll over to a collection agency.
I’ve posted all the updates.
“Three years ago I switched cell phone providers. I am fairly sure I settled up with the old […]

Popularity: 14% [?]

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Well, OK,I don’t have a judgment. But one of my clients does. I’m giving you the conversation as a bit of enlightenment on judgments.
Client: “I have a judgment for $2000, but it was entered in error. They sued me in Utah and I lived in California.”
Me: “Ok, so when was the […]

Popularity: 10% [?]

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Dennis v. BEH-1, LLC, 2007 WL 2769650 (9th Cir. Sept. 25, 2007)
Basically, the defendant, Dennis, had Experian report that a judgment had been entered against him, when in fact, although a complaint had been filed, the judgment was dismissed. The defendant had submitted documents proving this, and also requested that the credit bureaus check […]

Popularity: 6% [?]

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