Why is Equifax not reporting my information of credit history?

bamagrits84 asked: I got my first credit card in June of 2006. My payments have never been late. Every 30 days the credit card company reports account status to all 3 major credit reporting ... it at all! I had to pay Equifax $20 for my credit report just to try to dispute it and now I get a bunch [more...]

Date: 2008-12-23 20:51:38

Blog posts (35) | Videos (32)
 

5 Credit Repair misunderstandings

Amazingly, consumers find more than 13 million inaccuracies on their credit reports each year ... : To get an inaccurate item corrected, you have to in person dispute it with the credit bureaus and allow them 30 ... bureaus through their credit report provider. Quotation reports can be updated in as little as two [more...]

Date: 2008-12-12 19:25:14

How Fast Can You Get A Home Loan After Bankruptcy?

One of our readers, Desiree, had this question: Is there any possibility of getting a home loan sooner than 2 years after a bankruptcy discharge? ... in bankruptcy”. If it doesn’t, then it is still counting against your credit score each month. Challenge Any ... reports, the credit bureaus will freeze your credit score until the dispute is resolved [more...]

Date: 2009-01-06 16:28:19

Time For the Experian Credit Check

You get a free credit report once a year from http://www.annualcreditreport.com ... .  I just ran my Experian Credit Check and they had 3 minor errors.  So I’m off to dispute them now.  My credit report will still be horrible after the two fixes but it’s just nice to limit the damage as much [more...]

Date: 2009-01-03 01:47:49

Review of Lexington Law Firm

by John Cooper Lexington Law is a credit repair firm that is headquartered out of Salt Lake, Utah ... gives you the right to dispute any item you feel is not accurate on your credit report. This law ... damage to your report. To dispute a listing yourself you must create a dispute letter and mail [more...]

Date: 2009-01-13 11:40:05

How To Deal With Debt Collectors

by John Cooper Phone calls and other communications from debt collectors can be incredibly frustrating ... from another debt collector. Instead I suggest you hire a credit repair firm to dispute and remove the bad credit items that have been posted to your credit report. This way your credit score [more...]

Date: 2008-12-18 16:58:13

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, there are laws in place allowing people to mount disputes regarding their credit reports ... goes quickly and efficiently. You just can’t call the credit bureau in disgust and start hollering [more...]

Date: 2009-01-10 08:35:57

Credit Repair After Bankruptcy

by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... to popular belief this mark can be removed from your report and without waiting 10 years. To remove ... when they investigate a dispute, thus the listing will not be verified. The Fair Credit Reporting Act says [more...]

Date: 2008-12-26 10:12:42

September 30th, 2008 - Help Stop Debt Harassment, Learn Your Rights!

Obtaining credit can be fairly simple. If you have a steady job, an acceptable debt-to-income ratio, and no history of serious credit delinquency, you can obtain more credit than you’ll probably ever need. But many in Pennsylvania face the flip ... of Disputed Information on a Credit Report Cost: Single Steps Strategies Members [more...]

Date: 2008-09-29 05:38:41

Obtain Helpful Recommendations About Orlando Realtor

Part I Step 1: Spiff up your credit Good credit can lower your mortgage interest rates, potentially saving you hundreds of dollar a month ... . Order a credit report (usually free online). You can dispute any mistakes, but the most important thing is to build up good credit from here out. Lenders want clients who can pay bills on ... [more...]

Date: 2008-12-31 00:00:10

2 Weeks Later: Experian Removes Mystery Accounts from My Credit Report

Finally got thru to Experian (the number for disputes that worked was 1 800 208 9232) ... that the issue didn’t exists on either my TransUnion or Equifax credit reports. If anything, it only felt ... and cleared 21 accounts from my credit report that weren’t mine as well as at least a dozen [more...]

Date: 2008-06-06 21:40:27

Mistakes Can Be Corrected, But Not Always

How many times have we heard of someone who felt they had made a bad deal or a bad payment plan choice? ... the asking for your credit report, check whether there was no dispute over the title deed and others ... =http://www.yourloanservices.com/bad-credit-car-loan-online.html car loan /URL or whatever it may [more...]

Date: 2008-11-29 19:41:30

How To Deal With Bankruptcy, a Job Hunt and The Wild Stock Market

I always enjoy going to Ginger’s site — the blog called “Girls Just Wanna Have Funds” ... . Credit Card: How To Dispute An Item On Your Credit Report In the meantime, Dollar Frugal hosts [more...]

Date: 2008-10-08 16:07:31

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus ... a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He [more...]

Date: 2009-01-15 00:11:26

Tiny charges could mean big trouble

Ever charged 19 cents on your credit card? I never have, and I imagine most of you haven't either ... like this, dispute it with your credit card company. Also, report the crime to the Federal Trade ... . But several Internet message boards are on fire with complaints from credit card users [more...]

Date: 2009-01-12 22:37:24

Being Proactive in 2009: Economic Stimulus For the Mind

Happy New Year! In the financial world, I don’t know anyone who was not eager to kiss 2008 goodbye ... of your records. Get your credit report, make sure it is accurate and dispute any errors. 3. Beware before ...  to embrace (or brace for) the impact.  2. Keep an eye on your credit – Good credit = lower costs [more...]

Date: 2009-01-13 03:30:29

Update on Fraud

Last month/year I reported on a fraudulent scheme to separate $0.25 from me. Today I got a link to a news item about said fraud. News is slow here ... I closed it, got my money back too, and reported it to the three credit bureaus, stuff to do first ... . But they have two very useful links. Instead, file a dispute with your credit card company [more...]

Date: 2009-01-14 17:49:24

Trash-talking the economy

Trash-talking the economy One of my favorite items at Instapundit recently is the series called “Dude, Where’s my recession?” ( ... has leached into the reporting of the news. No one disputes that there has been an economic slow down; no one disputes that credit has dried up faster than a temperance party of new-minted teetotalers [more...]

Date: 2008-08-12 12:46:24

Mortgage Rates January 9, 2009

Mortgage rates are off to an outstanding start for 2009 ... of your credit report.  You are allowed 1 free copy every 12 months, and the inquiry will not be reflected ... credit dispute letter” and find hundreds of free or sample dispute letters to send out. The next [more...]

Date: 2009-01-09 15:17:37

HSBC are thugs (sorry “partners”)

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... be found here and here amongst dozens of consumer rip-off reports on the web.Bally managed to report ... but they included penalties as per credit cards.  Obviously collection was a problem.  Bally filed [more...]

Date: 2009-01-15 23:27:00

Selling Problems On Ebay And Their Solutions

eBay provides internet users with an online flea market where buyers and sellers from around the world meet to conduct trade ... , they will receive a Final Value Fee credit and a relist credit. Filing an Unpaid Item dispute is the first step toward eBay reimbursing those fees. One can report an unpaid item up to 45 days after [more...]

Date: 2009-01-08 20:10:41

HSBC are thugs (sorry "partners")

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... on the web. Bally managed to report not only overdue fees (for which the customer had falsely been induced to agree) as receivables – but they included penalties as per credit cards. Obviously [more...]

Date: 2009-01-16 14:18:26

Fannie teed up. Are you teed off?

Housing headlines of note in today's Los Angeles Times Business section: --"Fannie regrets golf excursion," ... not dispute the report, described the event as a mortgage industry customer meeting held twice ... for the quarter would fall by half to $1.5 billion. -- Lauren Beale Your thoughts? Comments? Photo credit [more...]

Date: 2008-11-05 20:53:11

Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!

by Addison Wiggin & Ian Mathias Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga Even the ... -Ukraine gas dispute not yet over… a reader provides firsthand account And… action ... $30 billion to stay afloat, analysts at Morgan Stanley predicted today. According to Morgan’s report [more...]

Date: 2009-01-14 07:36:46

New Jersey Assemblyman Fighting State’s Global Warming Response Act

Michael Doherty is convinced that global warming is a sham, ... who dispute global warming. Link PolitickerNJ.com Photo credit: Flickr user kcjc009 ShareThis ... . The law required the state Department of Environmental Protection to release a report detailing how [more...]

Date: 2008-08-26 15:28:11

PF Links Sunday While Other Blog is Doing Great

PF Links Sunday While Other Blog is Doing Great I’m happy to report that my new golf blog is coming along great! ... to read and learn from. Frugal Dad checks out and explains to us how we can dispute credit card charges [more...]

Date: 2008-06-15 15:30:50

New threats to credit scores

New threats to credit scores A revised FICO formula will kick in soon, and the balances you carry will matter more than ever ... new year despite weak data The first economic report of 2009 shows the worst manufacturing reading ... dispute won’t cause shortages in Europe. The Optimality of Uniform Pricing in IPOs: An Optimal [more...]

Date: 2009-01-02 19:19:15

Consumer Alert: Incredimail Fraudulent Charges

Please, anyone who visits my homepage: do not use, install, give money to, give credit card information to, or associate with this company.  I am so disgusted with them I’m about to report them to the BBB. First off, the program ... their contact form and still have not heard back from them. I had to call my bank and dispute the charge [more...]

Date: 2009-01-06 16:30:10

Foreclosure

A mortgage is a contract loan a person takes out to purchase their home, and is one of the most significant trade lines on a credit report ... is reported incorrectly on your credit report it would be best to dispute it to have it removed ... ? If there is any information on your credit report that is inaccurate or incorrect, you can dispute [more...]

Date: 2008-12-16 04:30:23

Dispute Credit Report

Every person involved in taking credit or using a credit card has a credit report. Credit report contains the information regarding a person’s residence, payment of bills, and whether he / she has ever been sued, arrested, or filed for bankruptcy. Whenever a person makes a credit [more...]

Date: 2009-01-07 03:41:10

Facts and Insights About Experian Credit Report

by Ray Lam Correcting inaccurate information is a task that is frustrating, costly and can continue for a lifetime, ... your current report and click on the “Dispute Information?”. Get free credit report from Experian by asking ... their credit report to know its current content, especially before applying for a loan, for employment [more...]

Date: 2008-07-20 20:36:17

How to Dispute on a Credit Report

Inaccuracies are not uncommon when it comes to your credit report That is why it is very advisable to keep checking your report in order to make sure that everything listed is accurate You have the right to manage your credit and according to the Fair Credit Reporting Act if there is an error it is their responsibility to initiate [more...]

Date: 2009-01-16 16:00:00

The Importance of Good Credit

by Rob Kosberg We all should know that good credit is a “must have ... your reports, and dispute any errors (see Fair Credit Reporting Act). Credit repair will be work ... your financial situation. You may be quite fearful about looking at your credit report [more...]

Date: 2009-01-14 15:01:11

How to Write Letters to Fix Your Credit Report

Credit letters While I went through bankruptcy, I forced myself to understand what impact the credit score and report had on my life ... my report that shouldn’t have been there. Cic also has a interesting write up on the ‘secrets ... ) for contacting debt collectors and original collectors. Credit Reporting agency Dispute letter (though [more...]

Date: 2008-08-11 19:56:17

Have your Free Credit Report

My Uncle Jess has been in the states for almost 10 years now. And staying there was for him blissful with some mixture of bitterness. Why? ... many years of realization he finally settled some amount and requested to dispute credit reports ... his financial status again. If I’m not mistakenly, he recently undergone a free credit report [more...]

Date: 2008-10-16 04:42:00

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