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Found 9 results

  1. Hi, I has a Sole Proprietary company with its own EIN. The company owns two cars with loans taken under his SSN. I want to shift such liability to his business to build business credit. Someone told me that I need to change business structure to LLC to do such shift. Which order of action would be better and how to shift the car loans from my personal credit report to company's credit report Change the company to LLC then do correction in credit report to put the loan under the company or Do correction in credit report to put the loan under the company then c
  2. John Oliver skewers credit bureaus for false reporting of consumers' credit histories and failing to take proper measures to correct errors in this hilarious presentation.
  3. Just wondering if you guys had any luck with disputing an item and getting it removed after paying in full. The company absolutely refused to delete and they wouldn't settle, so I went ahead and paid the $242. I started with a 481 CS on November 1, 2015 and I'm now at 616. It isn't great but it's so much better. I am serious about clearing things up and I just got tired of seeing the collection reported every month on Equifax. I actually had success with getting the aforementioned item removed from EXP and TU before PIF - the company didn't respond to the dispute but DID response to
  4. Note - This bill was introduced in the US Senate. Not sure if there is a companion bill in the House of Representatives as yet. It is a commendable effort, but at the rate both are approaching the infinity of dysfunction, no action to pass the bill is contemplated before the END of the century. If we are reading the bill correctly, it provides injunctive relief to plaintiffs as well as ATTORNEYS FEES!!! If someone could give me a quick sanity check [text of the bill is below], that would be much appreciated. Amendment to Fair Credit Reporting Act to Impact Debt Collection Bill focuses on
  5. Hi, I recently applied for credit and was surprised I was turned down when the bank pulled the bureau I thought I had a very strong credit rating with. The reason was too many inquiries. I reviewed my report, and sure enough, there were about 16 inquiries. However, most of them come from current creditors, or banks / credit unions where I have business and personal checking and savings accounts. I was surprised to see most of these as hard inquiries, negatively affecting my credit. When I opened the checking and savings, I was advised they would all be "soft pulls" by each credit union. T
  6. Hi, I am planning to file Arbitration under the terms of one of the credit bureaus credit monitoring contracts. It has an Arbitration clause with AAA as the forum. I have multiple trade lines to dispute that this one particular CRA has refused to properly investigate, despite my many letters sent CMRRR. My question is primarily one of strategy. I can combine all of the disputes into one large complaint, which will make the process more manageable. However, I am considering filing separate arbitration demands as they each have slightly different issues and FCRA violations, and the arbitrati
  7. Great investigative reporting by 60 Minutes on the credit bureau industry, and their impact on U.S. consumers. Please see:
  8. Hello! I am new to the forum! I decided to tackle my husband's credit repair on my own, he has 3 accounts in collections and I want to make sure I am doing things the right way. I pulled his credit report from the Experian website on 3/6/13. The report contains information for all three CB's (Credit Bureaus). I am going to start sending dispute letters through certified mail. Here are a couple of questions: If I pulled report from, do CB's still have 45 days to respond to my dispute letter?If yes to answer above - when will they have to reply in 30 days or less? (When
  9. Hi, I recently received a 1099-C from a bank. The 1099-C form states a code for the "triggering event" that caused them to issue the form. In this case it is Code G - which is defined as: "Decision or policy to discontinue collection." The form also states "Cancellation of Debt." However, the same creditor also updated the alleged debt on my credit report after issuing the 1099-C. My question is, updating an alleged debt on a credit report has been deemed collection activity by the courts - which is contrary to Code G - Decision or policy to discontinue collection. While I know there are c