someonesomewhere 568 Report post Posted March 14, 2007 Welcome Newbie!Read all of this and all the links before taking ANY action.First, take a deep breath and then let it out. Relax. This is a marathon not a 100 meter dash, and you're no where near Athens, Pheidippides.If you have not already done so, go here. No, really. Click here.OK, well at least read this, particularly if online forums aren't your thing.And please do by all means read this. All both or more pages. There's a lot of information, jargon, abbreviations and acronyms in here, and it takes a bit of time and exposure to understand them. Once you know the words represented by the abbreviation or acronym, then you can start understanding what the words behind the abbreviation or acronym mean. Some that you'll see a lot are OC, CA, DV and PFD.If you have not already done so, pull your Credit Report (CR) from each Credit Reporting Agency (CRA). There are three major ones and a number of minor ones. Let's focus on the Big 3: Equifax (EQ), Experian (EX), and Trans Union (TU).Every 12 months, you are entitled to a free copy of your CR. If you have not already done so in the past 12 months, go to annualcreditreport.com and request all three CRs. Other websites may charge you. Use annualcreditreport.com. It's free.Request EX and TU online, but call the toll free number and request a paper copy of your EQ CR. It will be mailed to you. EQ still seems to have "issues" with online initial requests.Before you set about disputing anything, online or via Certifed Mail Return Receipt Requested (CMRRR), read this. Every one or more pages.Once more breath, relax, and again welcome. 1 Share this post Link to post Share on other sites
lilwhitepaws 11 Report post Posted March 14, 2007 Thanks for the information 1 Share this post Link to post Share on other sites
rjnjr1019 11 Report post Posted April 2, 2007 thanks iam co glad i found you guys 1 Share this post Link to post Share on other sites
TTigggers 1,047 Report post Posted December 12, 2007 Thanks for your input and guidence here. Just wnated to let you knoe that this link doesn't work. http://www.debt-consolidation-credit-repair-service.com/forums/forumdisplay.php?f=187 Share this post Link to post Share on other sites
someonesomewhere 568 Report post Posted December 12, 2007 Thanks for your input and guidence here. Just wnated to let you knoe that this link doesn't work. http://www.debt-consolidation-credit-repair-service.com/forums/forumdisplay.php?f=187Worked for me. It's a link to links. There are several stickys you're strongly encouraged to read. Share this post Link to post Share on other sites
andbowd 21 Report post Posted January 7, 2008 ThanksEQ 532, EP 546, TU 541, 01/08 Share this post Link to post Share on other sites
someonesomewhere 568 Report post Posted January 8, 2008 Well, since you wandered in here, I figured I'd post a few links to some perhaps useful issues to get you outta the gate and running. You did read all the links in the first post of this thread, right?MadMonkey Newbie stickyhttp://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=277579Credit Repair Newbie stickyhttp://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=276514Credit Monitoring - There are lots of choices, and you probably wanna at least skim the whole thing. If you can't wait, skip to the last few pages and see what folks are using and/or recommended currently.http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=274851Debt Validation (DV)http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=267313Goodwill (GW)http://www.debt-consolidation-credit-repair-service.com/forums/showpost.php?p=746810&postcount=2Recon[sideration]http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=269660Bumping or *b*http://www.debt-consolidation-credit-repair-service.com/forums/showpost.php?p=752959&postcount=14MOV - Method Of Verificationhttp://www.debt-consolidation-credit-repair-service.com/forums/showpost.php?p=731960&postcount=2 Share this post Link to post Share on other sites
Amerikaner83 1,021 Report post Posted January 10, 2008 Ok this thread is now a sticky! Great & easy to use, easier to understand - well laid out. Share this post Link to post Share on other sites
fixcrdt 10 Report post Posted January 20, 2008 Thank you. This is what I have been looking for Share this post Link to post Share on other sites
mission700 10 Report post Posted January 31, 2008 I'm soooo excited about this forum and all I need to know about fixing my credit. I know it requires patience and diligence and I have what it takes to reach my goal...MISSION700!!!! Share this post Link to post Share on other sites
Tony 21 Report post Posted February 3, 2008 How do you bump, I am new to this... and I thank GOD I found this siteThanks Share this post Link to post Share on other sites
520ErTech 10 Report post Posted February 6, 2008 Thanks for the insight. I just joined today. A single mom who has been divorced for 6 years. I am sorry to admit that I had no idea until I decided I wanted to buy a car. I have tried everything from debt consolidation firms to having a friend who is a finanical advisor tell me "Don't pay them, they will fall off." I had no idea. Feel so overwhelmed I don't know where to begin. I did obtain a 3-in-1 from your creditreport.com I guess one day at a time. Share this post Link to post Share on other sites
gator1999 10 Report post Posted February 11, 2008 What happens in this case if I am not the custodial parent and they never billed claiming no insurance was on file(when it was) and then I pull my CR and it's on my credit and not my son's mom credit...she took him and signed any paperwork necessary...can she put me down as the responsible party? Share this post Link to post Share on other sites
J_Snow 477 Report post Posted February 11, 2008 Please do not post specific situations in a Sticky Thread. They need to be posted as a new thread in the appropriate Forum. Share this post Link to post Share on other sites
driver 10 Report post Posted March 25, 2008 I think I found a home away from home for awhile.I also think i'm in over head. Share this post Link to post Share on other sites
joshua_keifer 10 Report post Posted April 9, 2008 this site is everything i have been looking for Share this post Link to post Share on other sites
stephiep 10 Report post Posted April 11, 2008 whew. just started.... taking in all the information and trying to form a plan... and wanted to say THANK YOU for everyone that tries hard to keep these boards updated and useful. Share this post Link to post Share on other sites
Cuddles 10 Report post Posted May 1, 2008 I'm a newbie and am ready to get started on this hugh project. I'm excited at the prospect of finally heading in the right direction. Thank god for this site! Share this post Link to post Share on other sites
someonesomewhere 568 Report post Posted August 23, 2008 Sometimes folks use Email in waging their credit repair war. Finding them can be easy with Google.http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=269241 Share this post Link to post Share on other sites
Chiroplacid 10 Report post Posted March 24, 2009 That really helped. I am just starting my journey, but I am encouraged with all the input/output that I have read so far. Share this post Link to post Share on other sites
someonesomewhere 568 Report post Posted April 23, 2009 Feeling really overwhelmed? Read this. Share this post Link to post Share on other sites
mamabear2112 10 Report post Posted April 24, 2009 five Share this post Link to post Share on other sites
Mische 10 Report post Posted May 20, 2009 yup! repairing a bad or lost credit is not easy and even take longer times but patience is the best thing to put in mind. of course proper action is also needed. Share this post Link to post Share on other sites
spider502010 10 Report post Posted May 21, 2009 thanks for the info Share this post Link to post Share on other sites
addiewarner 10 Report post Posted June 22, 2009 Hi..thanks for the information... loved it simply Oh man! What an amazing thing to sayThanksaddie Share this post Link to post Share on other sites
