someonesomewhere Posted March 14, 2007 Report Share 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 Link to comment Share on other sites More sharing options...
lilwhitepaws Posted March 14, 2007 Report Share Posted March 14, 2007 Thanks for the information 1 Link to comment Share on other sites More sharing options...
rjnjr1019 Posted April 2, 2007 Report Share Posted April 2, 2007 thanks iam co glad i found you guys 1 Link to comment Share on other sites More sharing options...
TTigggers Posted December 12, 2007 Report Share 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 Link to comment Share on other sites More sharing options...
someonesomewhere Posted December 12, 2007 Author Report Share 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. Link to comment Share on other sites More sharing options...
andbowd Posted January 7, 2008 Report Share Posted January 7, 2008 ThanksEQ 532, EP 546, TU 541, 01/08 Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 8, 2008 Author Report Share 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 Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 10, 2008 Report Share Posted January 10, 2008 Ok this thread is now a sticky! Great & easy to use, easier to understand - well laid out. Link to comment Share on other sites More sharing options...
fixcrdt Posted January 20, 2008 Report Share Posted January 20, 2008 Thank you. This is what I have been looking for Link to comment Share on other sites More sharing options...
mission700 Posted January 31, 2008 Report Share 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!!!! Link to comment Share on other sites More sharing options...
Tony Posted February 3, 2008 Report Share Posted February 3, 2008 How do you bump, I am new to this... and I thank GOD I found this siteThanks Link to comment Share on other sites More sharing options...
520ErTech Posted February 6, 2008 Report Share 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. Link to comment Share on other sites More sharing options...
gator1999 Posted February 11, 2008 Report Share 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? Link to comment Share on other sites More sharing options...
J_Snow Posted February 11, 2008 Report Share 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. Link to comment Share on other sites More sharing options...
driver Posted March 25, 2008 Report Share Posted March 25, 2008 I think I found a home away from home for awhile.I also think i'm in over head. Link to comment Share on other sites More sharing options...
joshua_keifer Posted April 9, 2008 Report Share Posted April 9, 2008 this site is everything i have been looking for Link to comment Share on other sites More sharing options...
stephiep Posted April 11, 2008 Report Share 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. Link to comment Share on other sites More sharing options...
Cuddles Posted May 1, 2008 Report Share 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! Link to comment Share on other sites More sharing options...
someonesomewhere Posted August 23, 2008 Author Report Share 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 Link to comment Share on other sites More sharing options...
Chiroplacid Posted March 24, 2009 Report Share 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. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 23, 2009 Author Report Share Posted April 23, 2009 Feeling really overwhelmed? Read this. Link to comment Share on other sites More sharing options...
mamabear2112 Posted April 24, 2009 Report Share Posted April 24, 2009 five Link to comment Share on other sites More sharing options...
Mische Posted May 20, 2009 Report Share 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. Link to comment Share on other sites More sharing options...
spider502010 Posted May 21, 2009 Report Share Posted May 21, 2009 thanks for the info Link to comment Share on other sites More sharing options...
addiewarner Posted June 22, 2009 Report Share Posted June 22, 2009 Hi..thanks for the information... loved it simply Oh man! What an amazing thing to sayThanksaddie Link to comment Share on other sites More sharing options...
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