junkey1700

Members
  • Content Count

    27
  • Joined

  • Last visited

Community Reputation

10 Good

About junkey1700

  • Rank
    Newbie

Profile Fields

  • Location
    new york
  1. I started cleaning my credit up in Feburary 2010 and have made great progress, due everyone on this site. Thanks! Now I am going to start with my wife's credit. My wife has no negative's. What my wife does have is, she opened up multiple credit cards within the last 10 years for the in store deals. ie...Macy's, Bloomingdales, Victoria Secrets and Lord & Taylor. The other thing she has, is she lost her wallet about 2 years ago and had to replace the 2 credit cards she had at the time and now they are showing up on her credit report as if she has open them up and closed them. My question is what would be the best approach to remove these accounts from her credit report? The same as if it were negative or is there a better way?
  2. THANK YOU... ONE LAST THING FEDERAL COURT?
  3. HOW DO I REMOVE A TRADE LINE BEING REPORTED BY A 3RD PARTY, ON MY CREDIT REPORT. THE TRADE LINE IS BEING REPORTED BY GATHERED INFO, NOT BY WHO IS LISTED ON CREDIT REPORT.... CALLED TO VERIFY
  4. I THINK THERE ARE GETTING THE INFORMATION FROM A 3RD PARTY. ..LEXISNEXIS. IF THE TRADE LINE IS ACCURATE BUT NOT COMING FROM THE SOURCE STATED ON THE CRA'S REPORT.. WHAT IF ANY RECOURSE WOULD IT HAVE TO GET IT REMOVE PERMANENLY?
  5. HELLO, I HAD A FEDERAL TAX LIEN (TAXES) FILED AT THE COUNTY COPMTROLLOR OFFICE IN 2007 FOR UNDER 10,000 AND WAS PAID OFF IN 2009. TODAY I CALLED THE IRS TO SEE IF THEY WOULD REMOVE THE NEG TRADE LINE FOM MY CREDIT REPORTS. THEY SAY, THEY ARE NOT THE ONES REPORTING AND CAN DO NOTHING ABOUT IT, CONTACT WHO EVER IS REPORTING THE LIEN. SO, I THAN CONTACTED THE COMPTROLLOR'S OFFICE (AS LISTED ON THE CREDIT REPORT) AND ASK THEM IF THEY WOULD REMOVE THE NEG TRADE LINE FROM MY CREDIT FILES. THEY STATED THEY DO NOT REPORT TO ANY OF THE CRA'S AND FOR ME TO CONTACT THE CRA'S. I KNOW THAT WOULD BE USELESS . SO WHAT CAN I DO TO REMOVE THIS LIEN..
  6. DISPUTING DIRECTLY WITH THE OC THEY HAVE TO ANSWER THE DISPUTE.. IF YOU FOLLOW THE STEPS AS LISTED IN THE FIRST POST OR THEY ARE IN VIOLATION OF THE FCRA SECTION 623. EVEN IF ITS BEING REPORTED CORRECTLY! THIS METHOD HAS WORK VERY WELL FOR ME. WITH MY BANK I SIGNED A USER AGREEMENT AND WITH THE OTHER THERE WAS NOT.. WHO SAYS YOU CANT USE THE TOOLS AVAILABLE TO YOU..
  7. while suing 2 for violations and receiving over $4,000 in statutory damages HOW DID YOU GO ABOUT SUING I TRIED WITH NO LUCK?
  8. THATS CORRECT! BUT THAT DOES NOT MEAN THE OC KEEPS GOOD RECORDS AND CAN PROVE WHATS BEING REPORTED.. IF IT WERE ME I WOULD 1. DISPUTE W/ CRA "NEVER APPLIED FOR CREDIT WITH THAT INSTITUTION" WAIT FOR THE CRA TO VERIFY THE TL 2. SEND A DESCRIPTION OF PROCEDURE LETTER TO CRA ASKING FOR PROVIDERS INFO 3. SEND A 623 LETTER TO THE OC ASKING FOR THE "ORIGINAL SIGNED USER AGREEMENT" WHO KNOWS....
  9. CALL AND ASK FOR AN UPDATED REPORT. EQUIFAX ONLY SENDS THE RESULTS AND THE TRADELINE, NOT A FULL DISCLOSURE. SEE WHAT THE FULL DISCLOSURE SAYS...
  10. 1. DISPUTE W/ CRA - CRRM 2. REQUEST DISCRIPTION OF PRCEDURE - SNAIL MAIL 3. 623 LETTER TO OC - CRRM CHANGE YOUR REASON.. DO NOT DISPUTE SAME ITEM WITH-IN 60 DAYS… CHANGE YOUR LETTER FORMAT AS NEEDED.. NEVER NEVER GIVE UP
  11. TRY PUBLIC SAVINGS BANK! GREAT CARD REPORTS TO THE BIG (3) LIKE AN UNSCURED CARD. I OPENED A SECURED CARD WITH PUBLIC SAVINGS BANK FOR 1500.00 WHEN I STARTED MY CREDIT REPAIR IN FEB 2010. KEPT IT 6 MONTHS WHILE GETTING ABOUT 10 DELETIONS. BEFORE I CANCELED THE CARD I APPLIED FOR 2 CREDIT CARDS ONE WITH MY BANK (CREDIT UNION) AND A MAJOR CREDIT CARD COMPANY. AS OF TODAY I HAD BOTH OF THOSE CREDIT LINES INCREASED (CREDIT UNION 1500.00 TO 2000.00 AND THE OTHER 1500.00 TO 2100.00) STILL WORKING HARD TO BE WHERE I WANT…
  12. OPENED 2004 - DELINQUINT FROM 2006 - REHAB 2008
  13. AMYMAC! EXPERIMENT WITH DIFFERENT WAYS OF DISPUTING NEGATIVE TRADELINES. I GAVE YOU WHAT WORKED BEST FOR ME, THE COST IS NOT FACTOR TO HAVE THE CREDIT RATING YOU WANT… 1. DISPUTE W/ CRA CRRM 2. REQUEST DISCRIPTION OF PRCEDURE SNAIL MAIL 3. 623 LETTER TO OC CRRM NEVER GIVE UP