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Everything posted by Been_Ponzied

  1. Yes you are right; I shouldn't have tried to dispute online. I just re-read Methuss' sticky. No, I had never been notified of any frivolous disputes, nor have I disputed a lot online. I am using Bank of America Privacy Assist right now, and they send me dispute forms for Equifax and TU, but have their customers just dispute online with Experian. I just thought I'd go along with them for a change. It was a bad decision. I don't have any documents to send in a mail dispute.
  2. All of a sudden the software would not allow me to dispute any longer, but only allowed me to choose one of their pre-made "consumer statements"!!! Which, as we know, creditors do not read! And I had not ever disputed them before, as they are relatively new. I think they only allowed me a certain number of disputes!!!! Is this corrupt, or what?
  3. How do I order free credit reports based on being a welfare recipient? It seems like you can't call the CBs unless you already have a report from them. Should I write to them and send ID?
  4. GEMB sucks! It seems they are behind just about every credit card nowdays. They are behind PayPal and their rules are terrible.
  5. Charge-offs generally show the balance at the time that the company wrote them off on taxes, unless you paid them. There's not much you can do about them, except try the dispute process, IMHO.
  6. A person after my own heart. I like hand written disputes, short and sweet also! It's just a matter of preference. I don't think CRAs generally take address changes except from an OC, but if you want to try, they probably require copies of your ID.
  7. fI know that at least one of the CRAs will let you try to delete those addresses by phone, but I can't remember which one. You can probably do it by mail with all of them. However, as with all disputes, you are gonna have to first have a Confirmation Number to communicate with the CRAs, and that means either buying your CRs or getting them free. (See subject above, under Credit Repair: Obtaining Your Credit Reports.) Good luck Melody
  8. Good question, but I think you are outaluck, because of: FDCPA Section 809. Validation of debts [15 USC 1692g] ( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. P.S. There is a Debt Validation forum here, but I couldn't find your question in it. However, I didn't dig real deep. Good luck.
  9. A dispute is done not with the CA, but with the CRA. Please read the articles above the forum; for instance, when you dispute with the CRA, it says to do this: >>It's a good idea to keep disputing negative listings with the credit bureaus. If you hit on the right dispute, the listing could get completely removed from your report. For instance, if you dispute the date the account was opened, and the credit bureaus can not verify this information they may pull the whole listing. You will need to change the reason for the investigation so the credit bureau will have something new to investigate. The order of the reasons should be: 1. Not mine (not my account) 2. I didn't pay late that month 3. Wrong amount 4. Wrong account number 5. Wrong original creditor 6. Wrong Charge-off Date 7. Wrong Date of Last Activity 8. Wrong Balance 9. Wrong Credit limit 10. Wrong Status (there are about 20) 11. Wrong High Credit (the highest amount you used) For example, the first time you challenge a listing, you might say the account is "not mine." The second time through, you would say "never late." <<
  10. Oh my. He definitely bought in the Real Estate Bubble! How terrible. Just saw this on the Sacramento Bee: http://www.sacbee.com/topstories/story/2095740.html Sacramento-area prosecutors focus on mortgage fraud crime Published: Monday, Aug. 10, 2009 - 12:00 am | Page 1B - A PORTION THEREOF About two years ago, El Dorado County District Attorney Vern Pierson hired a forensic auditor and increased training for his prosecutors in the area of real estate fraud and other financial crimes. He dedicated two prosecutors and two investigators to handle a majority of the fraud cases. As a result, more financial schemes that in the past might have been dismissed as belonging in civil court are instead being prosecuted as criminal offenses, El Dorado prosecutors and investigators said. Pierson said his office has made mortgage fraud crime cases a priority. "The magnitude of the loss is so great on the individual victim and also on our economy as a whole," he said. See link above for full article.
  11. Hi, and welcome. I'm in a bad situation, myself, from a divorce and an Ex who promised to pay my bills for two years (oral promise) and of course, he didn't come through! You may not be able to clean up your credit enough in time for the home purchase, but what happened with me in my marriage was that, due to my bad credit at the time(lots of medical), the loan company put only my husband on the loan and on the title. A few days after it was all filed, we were able to put my name on the title too, ourselves, but never on the mortgage. So I didn't get all that good credit from the mortgage loan when we did later sell that house. As far as building credit, if you have $300 you can open a secured credit card with BofA. I'm looking to do the same, and as I recall, there was mention of a jewelry store online that doesn't check your credit. If you find something, IM me and I'll do the same, if you like. Good luck! Melody
  12. Unfortunately, the badies don't come off of anything while they investigate.
  13. Even though I'm not in the housing market in anyway, I think this guy's blogs are genius. I signed up and get a new one in my email box every day, it seems. He says there will be no CA. housing bottom until at least 2011. http://www.doctorhousingbubble.com Enjoy
  14. Join the club....the same thing happened to me in my divorce two years ago. I wonder, since you aren't sure if she signed your name or not, why not approach it from a possibly identity theft angle? Since you are just experimenting, I'm thinking write them again and this time make it short and sweet and tell them you suspect identity fraud. Ask them again to cough up a contract. But on the other hand, if they are going to fall off in a few months anyway, why stir the waters? Good for you for surviving 7 years of that. You are smarter and therefore stronger now.
  15. If those are the only badies left with otherwise good credit, that doesn't seem like too much and they were five years ago. I don't think anyone here can tell you in terms of points how they affect your credit score. You can have the bureaus remove them in two more years. Otherwise, if you really feel like pushing it, I'd try another goodwill letter and sound more desperate in it. Good luck.
  16. I was going through a traumatic divorce and moving around a whole lot. Just didn't have time to even think about my credit for a long time there.
  17. I got out of a one year lease once with a fairly large company by claiming medical reasons....I needed to move to California to get specialized medical care. They didn't blink an eye and let me out of the lease.
  18. The lates are still on my credit file - GE Money Bank didn't follow through. I don't have the paperwork still to get back on this due to my divorce and many moves. But I guess I can try anyway and start with the Thrift S. office.
  19. That would be me. I am on SSI and not even squeaking by. Does this mean I wouldn't qualify? I'm in CA. Why the $100 in disposable income? Can a person be too poor to file bankruptcy? I'm not worried about creditors going after me...I'm judgement proof. I want to improve my credit for getting housing. I'm wondering if a bankruptcy would look better than all the charge offs I suddenly got after my divorce.
  20. They'll sue you either way, but that will take time and maybe it will stretch out to the time when you have the money to start making payments again and then you can make a deal with them. Someone here will know more, but I would think it would fare better with you in the long run if you *did* say, "I know I have not payed you in a very long time, but give me a few more months." Have you thought about what they can attach when they sue you?
  21. If it's correct, is there no way to get a charge off removed other than pay for delete? I have several after a divorce, from $200 up to Citibank $3,000. I'm on disability and poor now. Should I just *attempt* an online dispute (if I tried it by mail, I don't know what I'd say)?
  22. Yeah, I pay monthly for a few months, cancel it and join as needed. The first month is free. I got an alert via snail mail when an attorney put his info on my file! Which happened right after I checked my credit! EEK
  23. I did try 211 today and got a recording. There is no 211 in my area. I already get medical treatment for depression. This housing problem has been going on for me for two years since my divorce, so it's hardly a crisis. California just got rid of Medicaid counseling, so I can't get counseling. Thanks though. The people here on this forum are always great.
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