bird4fsu

NEED SERIOUS HELP!!!!! 25 NEGATIVE REPORTS ON CR

Recommended Posts

I'm trying to fix new girlfriend's credit... WOW just printed CR...25 negatives....

what do i do... Where do I begin...... I have 800+ credit... Never seen anything like this.....

Share this post


Link to post
Share on other sites

Honest answer from experience...you say this is a "New" girlfriend and you have 800+ credit....RUN, don't look back.

Share this post


Link to post
Share on other sites

I found the main site first before I found this forum. It had lots of info on how the credit debt stuff worked, articles, form letters etc.

this forum has that stuff too. Up on top of each forum, and at the top of every page is various bits of resources. I just sat down and started reading. I have 11 negs, some are dupes of an original credit that was sold to one or two different credit agencies. Its a hassle but these people have cleared their credits up and I am going to follow them. :)

Unfortunately, I also have alawsuit that just popped up too, so that has to be dealt with. One thing I read, was to take a break every once in awhile so you dont get overwhelmed.

I also was told not to dispute too many debts all at once with the Credit reporting agencies because it would irritate them. I dont know if thats true. Im doing 4 a month ( new ones) and following up with the Debt validation process afterwards.

Hope that helps a little.

oh heres a link from above for the sample debt validation

Disputing With Original Creditor - 623 Method, Request Investigation, Remove Negative Information

and it takes you to the site that has articles and info... another source of reading. (as if you cant find enough here!)

Edited by dwalt2400

Share this post


Link to post
Share on other sites
I'm trying to fix new girlfriend's credit... WOW just printed CR...25 negatives....

what do i do... Where do I begin...... I have 800+ credit... Never seen anything like this.....

Let the Dispute process begin, I would start them all at once so you can handle them one by one when it gets started. You'll find a lot of helpful information on this site and some very helpful people.

Good Luck :)

Share this post


Link to post
Share on other sites
I'm trying to fix new girlfriend's credit... WOW just printed CR...25 negatives....

what do i do... Where do I begin...... I have 800+ credit... Never seen anything like this.....

1. Do not give her access to your cards

2. run! Shopaholic alert!

Share this post


Link to post
Share on other sites

you guys be fair..

not all girls are like that, we can be irresponsible, procrastinating and sloppy bookkeepers.

Besides.. glass houses and all that... haha.

Share this post


Link to post
Share on other sites
I see on the CR that lots of them are set to leave the report in a few months... Should she pay those?

If they're credit card debts and if they're outside the SOL for collection in FL, I'd leave it alone. If they're outside the SOL, she can't be sued. They're about to fall off her credit report. What be the good in paying them?

Share this post


Link to post
Share on other sites

Was a mortgage broker in the good times

bought toys

Company folded, she lost her job

There is a lot, so I'll break it up in threads..

1st off... She has a foreclosure for 252k

Home equity for 25k

and a returned car for 20k

I'm not touching these as they are too big.

She has 4 medical/dr payments.. all under 200$ each... I plan to attack these first...

I don't see a credit agency chasing here.... Do I contact the dr. office?

The report says they come off in 2014 and later....

Is my first step to call the Dr. office? Can they remove the incident from the cr?

Thanks again for your help...

Share this post


Link to post
Share on other sites
Was a mortgage broker in the good times

bought toys

Company folded, she lost her job

There is a lot, so I'll break it up in threads..

1st off... She has a foreclosure for 252k

Home equity for 25k

and a returned car for 20k

I'm not touching these as they are too big.

She has 4 medical/dr payments.. all under 200$ each... I plan to attack these first...

I don't see a credit agency chasing here.... Do I contact the dr. office?

The report says they come off in 2014 and later....

Is my first step to call the Dr. office? Can they remove the incident from the cr?

Thanks again for your help...

I personally leave the ones alone that are coming off soon. no use in stirring up the nest.

I try to fix the big ones cus those are going to be lawsuits sooner or later.

I also look for the blatant errors. wrong name, ss number etc. some of it wasnt mine cus it was not my number. once that was removed from CR, I had the bare facts to work with. You didnt say if the the big debts were with the OC or with collection agencies that I could see.

PS i was told here, the folks like everything in one thread for some reason..

I m like you, I like multiple threads.. I m just sayin...

Share this post


Link to post
Share on other sites

If she lives in Florida and these are old debts, keep in mind Florida Statute 559.715. If, by chance, a JDB obtained the debt prior to 10/1/2010, this law states the CA must notify the customer within 30 days of their obtaining the debt that they now have it. Failure to notify the customer within 30 days makes the debt unbillable and uncollectable.

If a JDB obtained the debt prior to 10/1/2010 and did not notify her that they now have it, and they report the debt to a CRA or call or bill her, those are violations of the FCCPA (Florida State Law).

On 10/1/2010 a revised form of this law went into effect which states a customer must be notified at least 30 days prior to their filing a lawsuit against them.

Share this post


Link to post
Share on other sites
The foreclosure, equity and car are older... Too old for lawsuit I believe...

Maybe not. The lender has five years to persue the borrower after the f/c for the deficiency. When did the property f/c? Same with the HELOC. The car, I don't know. But some of these lenders are pretty sneaky about getting a judgment with sewer service. Have your g/f look up her name to see if anyone has obtained a judgment without her knowledge. If so, she can get it vacated.

Share this post


Link to post
Share on other sites
Maybe not. The lender has five years to persue the borrower after the f/c for the deficiency. When did the property f/c? Same with the HELOC. The car, I don't know. But some of these lenders are pretty sneaky about getting a judgment with sewer service. Have your g/f look up her name to see if anyone has obtained a judgment without her knowledge. If so, she can get it vacated.

If the foreclosure resulted in a monetary judgment in a Florida court then the statute of limitation to collect on that judgment is five years. If the judgment was rendered in a court in anotherState, the SoL is TWENTY years. If this is the case, it can list on the CR for the full twenty years or until seven years after it has been paid, whichever comes first. Unpaid judgments (public records) do not drop off credit reports at the 7-year mark like normal tradelines do.

Share this post


Link to post
Share on other sites

Who do I talk to about reading a CR, and judgements, and giving advice?

a lawyer or a credit repair company, or someone else....?

Share this post


Link to post
Share on other sites

How about you scan the documents redact it and post it here. I could have sworn people have told you what things mean and how to get the ball rolling. Guess the answers are not good enough for you. Go ahead and see a credit repair agency and spend money. I do not know why when you can get all the free info here. How long have you been with this new girlfriend with the 25 negative reports? I sure hope it has been years and it going to be many more years. I have a feeling you will get her credit all fixed for her then she gets more credit cards and does the same thing. Its her credit she should be here not you. I bet you get all this taken care of and she bails on you. Just calling it like I see it sorry.

Share this post


Link to post
Share on other sites

do you have a scanner? if so scan and black out names, account numbers, and such and post them. That way people can see what you having a hard time with. If you have to post them on tiny pic or something like that do that and insert the link. Just get them scanned and posted. EDIT If I sounded harsh above it is because I could swear people have been answering you, but it seems like your ignoring the answers.

I posted how to word things. You need to get a hard copy of your credit report from each CRA and then send them back to them with the things your disputing along with proper identification (copy of ss card, copy of DL, copy of a bill, any proof the said account is not yours or is not being reported correctly, and court docs you may have in your favor, pay off letters or receipts get the picture? ) you ask for proof positive and to either remove or correct. They do not care about your life's trauma or issues so do not tell them, they only show what is reported to them. If they come back verified then you can either accept it or write to the agency and ask them to show how they verified it and if not correct the remove or correct.

This takes months and months to do. If you have judgements in your favor send them that, if you have judgements against you then you may well be out of luck on that until paid and then it will most likely stay there for another 7 years after paid. There is also a pay for delete ( hey i will pay you off if you delete).

Copied from one of my threads from the All Knowing Racecar

Hello Mr beergoggles I would start at https://www.annualcreditreport.com/cra/index.jsp

you can check your credit reports on this site for free,if you should notice an error such as midland funding, If you suspect identity theft, you may need to place a fraud alert on your credit report, close compromised accounts, file a complaint with the FTC, or file a police report. Start by visiting the FTC’s identity theft website.If you see accounts you don’t recognize or information that is inaccurate, contact the credit reporting agency and the information provider. For more information, read the FTC’s tips on how to dispute credit errors. The federal FairCredit Reporting Act (FCRA) promotes the accuracy

and privacy of information in the files of the nation’s credit reporting companies.You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Experian - 1-888-397-3742; experian.com

TransUnion - 1-800-916-8800; transunion.com

Equifax - 1-800-685-1111; equifax.com

Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.Tell the credit reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one below. Send your letter by certified mail, “return receipt requested,” so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures.

Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

If you ask, the credit reporting company must send notices of any corrections to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports.

Dispute Letter

Date

Mr beergoggles

Your Address, City, State, Zip Code

Complaint Department

Name of Company

Address

City, State, Zip Code

Dear Sir or Madam:

I Mr beergoggles am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,

Mr beergoggles

Enclosures: (List what you are enclosing.)

Experian

P.O. Box 9702

Allen TX 75013

TransUnion

TransUnion Customer Relations

P.O. Box 34012

Fullerton, CA 92834

Equifax

Equifax Information Services, LLC

P.O. Box 740256

Atlanta, GA 30374-0256

All three will need a dispute letter sent CMRR. Then when you whip them do the same thing again.

Edited by Beergoggles

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.