Back in April, I wrote about the current trend of credit bureaus to lengthen the time to investigate a dispute to 45 from 30 days as part of standard operation procedure. In that article, I maintained that this might not always be to the letter of the law, but didn’t go into much […]

Popularity: 19% [?]

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If you are in a situation where you have collections on your credit report this may be a familiar situation: ever look at your credit report and notice that there are lots of inquiries on it from collection agencies? There shouldn’t be, or at least that’s what the 9th circuit court has ruled. […]

Popularity: 40% [?]

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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: 30% [?]

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Credit Repair is not difficult, but you can shoot yourself in the foot if you don’t pay attention to a few little things. Here are common mistakes people make which can be easily avoided:

Failing to disputing with the credit bureaus FIRST. In credit repair, always dispute your negatives with the credit bureaus before doing […]

Popularity: 100% [?]

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Yesterday, USA Today published an article on the absues of debt collectors (who we all know as collection agencies).
USA Today Article.
It’s great this is getting more press, as it is a real problem. Of course, the comments on this article were predictable “hey, just pay your debts” was the most common comment. I’m […]

Popularity: 26% [?]

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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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I hate the credit bureaus. But that isn’t news. Once again, they continue to ruin people’s lives because their system, on which the entire credit economy is based, is totally flawed and full of inaccurate information.
I watched the movie Maxed Out the other day in which one of the speakers said that it’s […]

Popularity: 5% [?]

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