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 (107) | Videos (58)
 

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

Roubini On U Shaped Recovery: More Statesmanlike or Less Certain?

Nouriel Roubini verged on apocalyptic during the course of the crisis, and was proven largely right. Now that he has softened his stance, some have accused him of moderating his tone as a result of his much higher profile. While that's possible, a couple of factors seem more likely. First and foremost, much of Roubini is now being filtered through the MSM, which as many readers have commented, has been too often trying to find the happy face in any bit of economic news. [more...]

Date: 2009-08-24 22:54:20

Unsecured Credit Cards for Bad Credit – Do They Exist?

Few individuals realize how important maintaining an excellent credit rating is until it is simply too late. Consumers can fall into the bad credit category for a variety of different reasons, but what’s important is that it is entirely possible to start new relationships with lenders and rebuild one’s history in the process. Revolving lines are perhaps the most difficult to obtain, but there are companies that offer unsecured credit cards for bad credit individuals. [more...]

Date: 2009-08-25 21:50:59

Fixing Credit Report – Preparing To Do It Yourself

by Tim Beachum Obviously you are interested in the topic of fixing credit. No matter what your reasons are for wanting to repair your credit, the benefits are well worth it. Depending on your situation you can lower your monthly bills, open a bank account, get better rates on loans, the possibilities are endless. Before we dive in I want to say this… It is important that you remember that you didn’t get into your current credit situation overnight and you will not get out of it overnight. [more...]

Date: 2009-09-28 10:28:32

Old Debts Under $100 Don't Matter Under FICO '08 [Fico]

An update to how the new FICO '08 scoring system got revamped this year: Collection ammounts where the original debt was under $100 will be totally disregarded, MarketWatch reports . Back in Feb we reported that they would still be taken into account but only matter less. Also, FICO'08 has been rolled out to all three credit bureaus since last month. Before it was only being tested at one and there was some disagreement over whether all the bureaus would accept it. [more...]

Date: 2009-09-24 17:00:00

Credit Repair Attorney: How to Decide if You Need One to Clean up Negative Items

Fixing a bad credit report is not a pleasant experience. There are basically two ways of going about the credit repair process. Many people decide first to fix their own credit only to discover the process is much more involved than they expected. This is because they are trying to save a few dollars by going the inexpensive route. Unfortunately you may discover that repairing bad credit is one of those projects that only appears easy. [more...]

Date: 2009-09-05 02:10:43

Quickest Method To Repair Bad Credit Fast!

When you are applying for a loan or credit card you need to repair bad credit fast. Here is how I was able to raise my score 110 points in less than 60 days. Some important facts. 90% of all consumers do not know what is in there credit report. 75% of credit reports contain errors. According to the Better Business Bueau “Everything a credit counselor can do for you legally, you can do for yourself at little or no cost”. If you want to repair your bad credit fast it should take less than 60 days. [more...]

Date: 2009-09-10 19:36:11

The Pasty Little Putz, Cohen and Krugman

The Pasty Little Putz, in “The Self-Correcting Presidency,” says George W. Bush made two disaster-averting interventions for which presidents usually get canonized — but in his case, the disasters he averted were created on his watch.  Mr. Cohen, who is in Lisbon, sends in “Of Polish Angst and NATO.”  He says President Obama’s move on missiles highlights fissures in NATO as it tries to redefine its role for the 21st century.  Prof. [more...]

Date: 2009-09-21 10:29:34

When a Credit Card Debt Collector Calls, You Do Not Have to Answer

by Matthew Highlander Telephone calls have no legal weight since there is no record of what was said on a call. Knowing this, credit card debt collectors will say threatening things on the phone and get away with telling their lies. That is why consumer debt collectors choose to use the phone over mail. Debt collectors lose their power when communications are reduced to writing. The record of written contact with a credit card debt collector is what holds weight in court. [more...]

Date: 2009-08-27 09:40:27

Benefits Of Credit Repair Using A Expert

September 6, 2009 | By Cheryl K Murphy In Finance | by Christine G RobertsDid you know that credit repair can be a prolonged and trying procedure? Even if the challenging listings on your credit are utterly incorrect and you know that you should be able to dispute the items and get them removed it can still be a daunting course. No doubt, you can issue the disputes and wait for the answers on your own or you may hire a professional to help you out. [more...]

Date: 2009-09-06 16:31:34

Reward And Benefits Of Credit Repair Using A Expert Or On Your Own

Credit repair can be scary. Even when the things on your credit report are entirely untrue and you have every right to get it removed, it can still be a intimidating prospect to deliver the disputes and wait for the answers. It can also be long and maddening. No doubt, you can distribute the disputes and wait for the answers on your own or you may hire a professional to help you out. Many folks want to use the services of a professional because of the time and proficiency it takes. [more...]

Date: 2009-09-10 21:36:09

I don’t get it.

Walk with me through this article from a newspaper in Alabama , the Montgomery Advertiser . Although she earned her master’s degree in elementary education from Alabama State University in May and has applied for three teaching jobs, Alexis Stanton has been jobless since May. And it is not because of the economy or fewer teaching jobs being available because the state is under proration. [more...]

Date: 2009-09-27 16:01:57

Advantages And Benefits Of Credit Repair Using A Pro Or On Your Own

Credit repair can be frightening. Even when the items on your credit report are entirely untrue and you have every right to get it removed, it can still be a daunting prospect to distribute the disputes and wait for the answers. It can also be lingering and annoying. No doubt, you can put out the disputes and wait for the answers on your own or you may hire a expert to help you out. Many individuals decide to use a professional because of the time and expertise it takes. [more...]

Date: 2009-09-12 17:59:47

7 Tools To Kill Falsely Disputed Debts

August 27, 2009 | By Angelo Ioanides In Online Business | by Angelo IoanidesConduct an online search for “Dispute a Debt.” What you’ll find is astonishing. Tens of thousands of websites encouraging debtors to falsely dispute a debt so they can legally get out of paying their accounts.You see, what these debtors know that you may not is that with extremely rare exception debt collectors won’t touch a disputed debt. [more...]

Date: 2009-08-27 15:45:00

Quickest Method To Repair Bad Credit Fast!

When you are applying for a loan or credit card you need to repair bad credit fast. Here is how I was able to raise my score 110 points in less than 60 days. According to the Better Business Bureau “Everything a credit counselor can do for you legally, you can do for yourself at little or no cost”. also 70% of all credit reports contain errors. If you want to repair your bad credit fast it should take less than 60 days. Before you apply for a loan I recommend checking your score. [more...]

Date: 2009-09-06 10:45:32

Fixing Credit Report – The Good… The Bad… And The Truth

Fixing Credit Report – The Good… The Bad… And The Truth by Tim BeachumYou are moments away from understanding the process of fixing credit. It’s really not important what your reasons are for wanting to repair your credit the fact is you have made a good decision. Repairing your credit is well worth the effort, and depending on your current situation repairing your credit can lower your monthly bills, open a bank account, rent an apartment, and even purchase a car. [more...]

Date: 2009-10-01 15:25:39

How To Repair Bad Credit Fast!

When you are applying for a loan or credit card you need to repair bad credit fast. Here is how I was able to raise my score 110 points in less than 60 days. According to the Better Business Bureau “Everything a credit counselor can do for you legally, you can do for yourself at little or no cost”. also 70% of all credit reports contain errors. Since we are applying for a loan the first thing we need to do is check our credit score. [more...]

Date: 2009-09-06 10:56:02

Essential Credit Repair You Need Know For Successful Self Credit Repair

Credit Repair The DIY Way . Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started. [more...]

Date: 2009-09-28 06:50:28

How To Repair Bad Credit Fast!

Sep 3rd, 2009by Chris Tiderc. When you are applying for a loan or credit card you need to repair bad credit fast. Here is how I was able to raise my score 110 points in less than 60 days.Statistics show 52% of consumers don’t know what factors into there credit report. 90% don’t know what’s in there report and 75% of credit reports have some type of error.Since we are applying for a loan the first thing we need to do is check our credit score. [more...]

Date: 2009-09-03 17:29:34

Make-Over To Credit Reporting On The Way

The Australian Banker's Association is pushing for a reform of the Australian credit reporting, aiming to eliminate problems lenders are having where they can't easily identify the amount of debt or credit limits a particular customer has been able to secure from other providers. Make-Over To Credit Reporting On The Way is a post from: Credit Card Finder a Credit Card comparison service. [more...]

Date: 2009-08-25 06:22:03

You Can Stop a Junk Debt Buyer’s Collection of Your Older Credit Card Debt

by Matthew Highlander A consumer with knowledge of existing consumer protection laws can stop a junk debt buyer’s credit card debt collection attempts. Junk debt buyers are companies that buy batches of thousands of discharged credit card accounts from the credit card banks for pennies on the dollar (under 10 to 15 cents per dollar of debt). Junk debt buyers also resell these accounts to each other for as little as less than one cent per dollar of debt. [more...]

Date: 2009-10-01 18:47:03

When the Lights Go Out in the City

Hawaii Island of Oahu Loses Power During Storm By David Briscoe, Associated Press Writer / USA TodayHONOLULU — The island of Oahu lost power Friday evening in the midst of heavy rain and lightning, leaving some 800,000 residents and thousands of tourists in the dark, as well as the neighborhood where President-elect Barack Obama was vacationing [more...]

Date: 2008-12-27 15:49:00

Revolving Account

A revolving account is an account where you are given a certain credit limit and you make monthly payments based on how much you borrowed that month ... important to monitor your credit report for errors. Remember the higher your score is the more it can fall! If you have inaccurate information on your credit report contact CreditLawGroup today [more...]

Date: 2009-01-04 02:45:32

1 - 50 of 107 Posts
Page: First | < Preceding | Next >
0 | 1 | 2