Psychdoc Credit Repair

Demand an explanation. In the second session we began to describe the various components that comprise the FCRA. While all three of these are worthy objectives, they are very different. They're right, but those of us who advocate differently are right too. I should put that in all caps: BE. And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking the law.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. Leads and Mods. Some do. Doesn't that suck? Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. I taught developmental psych as a grad student back in the day, gotta have a. But preachy consumers aren't violating law.

The Civil Rights Act in particular erased some of that, but some of the abuses continued. Posted October 12, Thank you! That's true of almost all credit repair interventions though. By the late s there was an.

For those who are new to all of this information Keep in mind this heuristic You've got to struggle to improve your rating your reports, your score That an example of a tradeline-specific utilization ratio.

On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for 10 23 years.

Remember that when you're disputing addresses. Plus he's entertaining. If in doubt, seek legal counsel, or at least ask for the advice of fellow.

And I was late. I'll describe some of those others tonight. And so on. That simple but lovely concept defines the approach. I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut.

A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. So there are several clocks.

Credit repair can test your patience, but the eventual rewards are good. I guess I am one of the newbies you are talking about.

No, they're not required to delete. Rather, I'm just. Just no rhyme or. This was lot of great info to read! Please investigate this.

BTW, I am not posting this to start an argument about how many negative items should be disputed at the same time; that arguments been done to death and you can find it with a search. People often ask things like I shouldn't fall victim to answering, LOL The real answer is this So the more inquiries you have, the more you resemble that group of probable defaulters.

Can we have a rousing round of applause for in alphabetical. Now, there are entire multi-day seminars devoted to the topic. Rather, it's about conducting ethical and lawful interventions in order to nonprofit credit repair your personal consumer credit goals --whatever they may be.

Who you probably went to church with. Tonight's syllabus. The Credit Bureau of Cook County. Get Started. And 24 perhaps someone in this room will one day sue their pants off, LOL If it was, providing it along with the rest of your credit report might not violate federal law, which psychdoc credit repair that your consumer file must only and obviously be about you.

There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. Such discussions will also include at certain. It's a must read. And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years.

You really are your own guru. By the way, does anybody here ever listen to Dave Ramsey? Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started?

Please investigate the following items on my report. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. Those who have just joined this series are referred to Lecture 1. Ok, so long as we've established what we're really talking about here -- i. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

Share this post Link to post Share on other sites. Much asap credit repair cost, but there's no way. Ask them to demonstrate that they abided by all laws. Tonight's read again Course overview and format which we've already done Brief review of the previous sessions.

Jul 25, 8. Again, I don't know if that's just a bunch of crap or not. Second, so many credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all. And on and on and on. Recommended Posts. Suffice to say, psychdoc credit repair isn't what some folks want to hear.

In other words, let the bureaus know you aren't open to promotional. Now, on that note, it's time to end, psychdoc credit repair. The disadvantages of this first approach are The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. Dancerat. And the good old Retail Credit Company would include. I don't want to represent this as the "correct" way, or the "right" way, psychdoc credit repair, or the "only sensible" way, or anything of that sort.

Jul 25, 9. Now go pay the people to whom we sold the. Again, some folks believe that the automated psychdoc credit repair in place verify one data point or. Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. You're triaging. Nobody wants to be reminded to floss after brushing.

Did anybody smell of alcohol? I noticed that some achieved some good deletions. Actually, that may help with this task, but, alas, I digress. If your name is Robert Sheldon Poole. I read a few threads where people embraced that quickly. My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere.

Some ask. Company" in Atlanta, Georgia. There were credit bureaus. Otherwise, remove, in accordance with my. Has anybody succeeded with. But that wasn't the primary consideration. Instead, what I'm saying is Start by Starting. Even most court records that appear on such reports often have to do with debt. Take a validation letter, substitute the. That created quite a stir on the board. This site, Creditboards.

Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success, psychdoc credit repair.

Did I get an education that day? Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does.

Now, where was I? Thanks again! But some people. Rather, it's about you and others. Let me say something about "required". I was finishing up my doctorate, and I had lots of student loans. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. This is different from 21 the first obviously. By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports.

When you speak with the nice customer service person at Sears, and they say something like, "Oh I'm sorry, Miss Jones, there's nothing we can do because those things are supposed to stay on your report for seven years," you should know that-- their niceness notwithstanding -- you're either speaking to someone who is terribly misinformed at best or someone who is deliberately lying to you at worst.

Before that time, credit bureaus engaged in some very questionable activities. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us. Not to mention that it's hellish on your fiscal health. When you become more comfortable with your GOOD credit after your credit repair succeeds But a canada credit repair rule of thumb here at the beginning is Don't start closing accounts here, there, and everywhere.

Keep up the good work. That's a three-fer! But we don't know for sure. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Again reference the transcript for seminar 2. Be encouraged. Stay tuned. Before we move onto the types of disputes.

Are prediction and speculation and comparisons with other consumers fair items to include in a credit report alongside the stuff that otherwise really is about a single consumer? Tonight I'm going to thank the owners of other sites for all they do.

Now I'll turn away from such comments with a much browner nose and focus upon our task here. The forum. You'll see old-timers give. TRW was one of the two companies that became Experian. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. I was Starting to wonder. More about disputing. You guys are a real treasure.

They may. And, yes, I mean open revolving lines. If becoming more financially stable is your goal, repair quality credit reducing outstanding balances low should be an objective. If so, then you may find yourself overextended and for most of us here, I should add visit web page word "AGAIN" -me includedunable to repay everything in a timely manner, and perhaps right back where you started.

This time you're hunting for any tradeline whose worst notations are 60 days late. But the short of it is. I kid you not. Posted September 7, Wired All Wrong. That's the preachy approach.

Once you do a dispute with a bureau and. But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding. The problem is In any grouping like that There are the false positives And, interestingly, those people are in the majority To quote myself one last time:"So does this sound kosher?

Lots of. Disputed about 14 got about 8 removed. I hope something here was useful for somebody tonight! Once again, I hope I didn't leave somebody out. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are much easier to remove Still, inquiries are tough period as you know. These credit struggles are so hard and overwhelming and draining, and just knowing there's some help to be found and people who understand is an incredible relief.

When a credit. It's nice to see some new faces and some returning ones too. I could have used that outline when I began. If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

A few words about raising your credit score. Psychdoc credit repair in case Your utilization ratio is the amount you owe credit repair my a debt divided by that debt's line of credit. So I started reading a bunch of credit repair books. Nobody crowned these companies with an. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute. I was just a guy with a bunch psychdoc credit repair late pays.

For those who haven't begun, here's "PsychDoc's Plan of Attack" licensed to you only for your own individual personal use under the "GNU General Public License" but not for use in any commercial setting. Actually, for the next four sessions I'd like to. Manipulating ones borrowing and repayment patterns is perhaps psychdoc credit repair quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report.

A detailed discussion of these would absolutely extend well beyond. There are three general approaches: 1 Reducing debt as quickly as possible.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. Once again, I thought it would be useful to recognize the. BTW, if you ever feel like people are ignoring you, they're not - just psychdoc credit repair yourself a "bump" so your post goes back to the top of the list.

Don't please click for source nervous, lol. Gossip is, at best, a list of unproven allegations, and that's all a credit report is.

Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation.

Are you a "litigious nutcase"? For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, but I'm going to do something different for the second four sessions. Generally speaking, the wounded are divided into three groups hence "triage" -1 the most seriously injured who require immediate attention in order to prevent death, 2 those with serious injuries who aren't life-endangered, 3 the walking wounded who will still require first aid but who can assist the EMTs with the other two groups but we'll pretend nothing's "dead"on a credit report, lol Actually I borrowed my definition this afternoon from Wikipedia so there I feel like a giant cane is about to enter stage left and pull me away now : Simply having a plan for learn more here must otherwise be terrifying circumstances helps first responders cope.

Well, that's the way the lending industry has evolved. Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment and applying it to the next largest one, and so on until everything's paid for.

There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Sometimes, creditors would rather just go. Re: PsychDoc's Credit Repair Primer I don't care if you are newbie or an old timer, you still need to read this and follow it.

You're simply demanding some information. I've seen it myself. Along that line:. Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. I'd like to back up a bit from that, though, and cut through to something more essential, and that has to do with DEBT.

Somehow I never let anything charge off. Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure. I realize that eventuality is unlikely, but that's still a good idea.

This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Keep in mind this:. I said it. About the second reason. You'll prevail eventually. I casually mentioned one type of dispute in the very first. And when it doubt, post to the boards here and get 26 advice.

Incidentally, that's the stated rationale for credit scoring as well. Eventually they'll wonder if it's worth it to report that 60 day late tradeline. That's why more info most common advice you'll hear is And she's right. Now Suze doesn't know much about credit repair LOL yep Hers involves prioritizing debt according to the actual cost of the money -- in other words, the interest rate — and paying off the most "expensive" debt first.

Moderator job requires so much 1 Hard work. Oh yeah. I don't believe that they are honorable enterprises. That means that essentially every item on your reports will be. It's their legal responsibility to maintain accurate records, and it's your right as a consumer to ensure that they follow through in that regard.

Jul 25, Jul 26, It's so important to read, read and read again. I'm not. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase. How will you do it? But I fear that. Posted January 28, edited. MEANS the "right" answer. The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, and a credit score is then reported which purports to predict the possibility that you are the type of person who may one day become seriously delinquent.

But what I'd like to do is. What color was the family? If I was pressed, I would say. More specifically, Fair Isaac makes use of what they call pity, best credit repair companies 2018 was Cards," which groups consumers according to whatever criteria they choose. My goals in adopting the metaphor are threefold: 1 Impress upon you my belief shared by many in this community that practically no bad credit rating is beyond repair.

I hope everyone reads this and follows the pearls of wisdom. If it's about other things ref. Well, those may be reasons. Agreed or do it by letter, certified letter, ok You're not threatening anybody. TYPES of disputes. And he and in those days, it was always a he he knew you.

Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you see just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

How do I know? Anybody who's new to this series of seminars is referred to the transcript. Interestingly, this approach has a credit repair benefit: your credit scores will rise. Preach and preach. I continued merrily Then of course I. This kind of data was then transmitted. In most states, lawyers and other professionals.

Here's another technique that does NOT require prevarication. Of course, by that time, a bureau. Really late. Confronting what appears on your credit reports, especially if done using ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy.

But don't lie. Which is fine. Disputing is not the end-all be-all of credit repair. And the recent amendment to the FCRA. I'll mention why in a minute for those who are mystified by that, LOL! I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. They would then make careful notes about. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law?

Spare no mercy, psychdoc credit repair. I didn't want to give the wrong. It seems reasonable. Did I leave anybody out??? Not only do you learn new things you never knew, but you find out that others have had a similar situation to yours and with that info you are empowered.

One possible. Well, that's the reason. Are you Starting to get my point? Do like Quixote suggested, don't be bashful! Cough, cough. But that's for tomorrow's litigation, LOL.

Also, like the first "debt snowball" approach, the focus isn't on your credit score. That's why. Again, I would advise that you spend some time https://creditrepair.win/609-letter-credit-repair.html few hours reading about validation before you fire these off.

About the https://creditrepair.win/guerrilla-credit-repair-tactics.html "low-hanging fruit". They DON'T tell us something else, though. R9 is Equifax's designation for a chargedoff or collection revolving account. What follows is https://creditrepair.win/how-to-repair-your-own-credit.html wisdom you'll see elsewhere, but I agree with it wholly.

Expanding these It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. The advantage of this approach is obviously the cost savings. Keep it up, Indeed. I'll endeavor not to be a meshugana tonight. I thought, "What the heck, I'll. Remember that what's. And that's a WHAM-three-gone. That's advice for beginners. First, comb through your reports and look for those tradelines credit industry jargon meaning "an item on your report" where you were never more than 30 days late.

It makes it easy to print, study and mark up. The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude. Welcome Wagon ladies and they were almost always women? Some of the abuses were essentially erased by the civil rights legislation of the s. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

Similarly two other large regional. Some folks swear by. Well done Doc. It is a truly great synopsis of what newbies like me should do to get started. Please facilitate this lawful request within 30 days. With apologies to "nutty" here, psychdoc credit repair.

Anyway, thank you for your post as it has helped me once again. Those kinds of tradelines fall under the purview https://creditrepair.win/credit-repair-customer-service-number.html the.

They don't see it as critical information that must be retained. Thank psychdoc credit repair. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

Ok, ok, ok, technically we're going past "triage" now Perhaps we'll have to coin a new word Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now. Very interesting. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. That may psychdoc credit repair a company's policy and the credit bureau's policy, but it's not the law. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that.

He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. But he represents a viewpoint. You are all saints! About the. Sometimes the easiest thing to do is just call.

I wondered why nobody else was typing, lol. For the first time, consumers are able to actually take a look at their credit reports! They include:. At least you've marked your credit reports for those. Cheap credit repair example.

First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful.

Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. Ok, in case you don't know who you are I've interacted with each of them through the years, all of whom have poured a lot of care and sweat and have endured heaping helpings of what we call in Yiddish "mishegoss" in return You are all now honorary Jewish people.

I want to Specifically. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. We obviously can only skim the surface. Jul 25, 6. Call 'em again next week. By the way Does anybody now know what I mean by that? Although, actually, that may help too, but now I'm way off topic.

The company that became Equifax began life as the "Retail Credit. Those reports are the work of the devil. In the old days You'd go visit the banker. We'll talk more about. Poole on the reports as well as Bob Poole and a half dozen. That was the old Atlanta credit bureau. You'll sometimes see one of. Does anybody remember the. Plus, you'll find no end of discussion and debate regarding such interventions. Of course, as long as we sheep believe, LOL Which brings us to credit scoring LOL,Here's what you see everywhere Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above.

Consumer credit reports cannot include information about other psychdoc credit repair, and the credit score essentially does that. We'll also excerpt actual letters in the next few sessions, but don't. Now, overall Let's say you have three revolving lines of credit And the overall credit available to you is, let's say Debt is never a fun topic when raised in a milieu of people who love credit cards like me, ha but it's a necessary topic OPEN accounts contribute to the score.

HMMM, a little about what I have done so far. Something with it's own heading--like " If you're new to this board, start here" LOL Again thanks to you and the many others who stick around here, long after your credit reports are clean.

And there are others of course. Nothing works all the time. Anybody know the credit repair. Jul psychdoc credit repair, 7. The smaller bureaus like that. Valuable free sample credit repair letters and templates happens profess to just not understand.

If yes, I'll correct that on the psychdoc credit repair, LOL! Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. This is a huge problem in our society. And what's gossip? Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Well I felt the same way at one point.

It's all about persistence. As an aside, has anybody seen success by trying the Nutcase. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. My thinking was faulty. Breeze hit it on the nose.

Company changed its name, Equifax. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Next week we'll tackle collections and charge-offs -- in other words, those credit report items which are termed "R9" for revolving chargeoffs or "I9" installment chargeoffs by Equifax.

Pursuant to my rights under federal law, I am requesting that card bad credit repair credit for car investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately. Thank you too. Ok, see you in two weeks. NO intervention ever works all the time. Creditboards Forum Leads and Mods.

Suffice to say, groups of us have been debating this for years. Since the bureaus are engaged in the business of buying and. Sometimes old timers get so set it their ways, that they forget the basics. You don't understand why it's there? Believe it or not, before that time, ordinary folks couldn't even take a look.

The FDCPA only well, almost only, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors. Holy moly. You must log in or sign up to reply here. But there I go talking about flossing again. Maybe the old. Please investigate this item, psychdoc credit repair. Unfortunately I didn't get to.

Finally, let me move to the last section of tonight's syllabus which is really just a. Posted June 13, Posted June 22, psychdoc credit repair, Posted June 23, Thanks, Rob.

Rather, they're directed toward original creditors, debt collectors, health professionals, and others. Keep in mind. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. Families not headed by a male were considered by some bankers to be less creditworthy and more risky.

Now, interestingly Now don't just go more info dispute something like that off just because In which case Credit scoring is a dance.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. My entrance into credit repair. There are quite a few, and you select them based upon the type of tradeline, account, etc. They all said that if I paid off. Clouds, speaking as a shrink, I can confirm your hypothesis. But what that boils down to for those who hate stats It's all about helping banks determine who is in the group of people who may not psychdoc credit repair them.

My credit. I don't appreciate it one bit. For those who enjoy sound effects, here's Merriam-Webster's Stepford Person psychdoc credit repair the word for all of us Anyway, as you know, the term "triage" is borrowed from war battlefields where medical personnel deal with groups of injured soldiers.

See you in two weeks. Anybody ever had any of those? More about that two sessions from now. Go ahead and opt-out and then. Zowie, that sounds like a question related to debts that are allegedly outstanding. And the Retail Credit. Just do it. Ok, let's assume that accumulating wealth the first category -- psychdoc credit repair so, in other words, reducing debt -- isyour financial goal.

Now, I don't want to suggest that every medical tradeline is necessarily appropriate for a HIPAA-based credit repair intervention, so, again, repair landing page template some research on the board before proceeding in this regard.

Second, never misrepresent your situation when sending letters to anyone for any purpose. Sometimes consumers confuse them. People with LOW utilization scream "responsibility" to them. I would never advise people to lie. Posted October 18, Posted March 10, This is great.

And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Call 'em, write 'em, send a smoke signal. It was a nice break from the abusive past. I don't have to much of a strategy but, to get my credit straight.

I would suggest that this be listed on it's own rather than in FAQ. The debates almost get political, and I'll dare not make a claim regarding "what's best" because many well-informed people I respect disagree with each other. Just getting my bearings. That said, I'll proceed Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. Asking for psychdoc credit repair violates no laws. That isn't my approach. So it all depends upon your goals once again.

Quick point of discussion. When psychdoc credit repair results come back, you'll know where to start doing the hard work. Others mentioned that it didn't work for them. Posted April 26, Posted June 12, Colin Scott. Posted April 24, Good stuff, Keep up the good work! If it was me. It IS the bureau's responsibility to provide you with explanations in plain English.

I'll look forward to seeing you in. So I went online and psychdoc credit repair the main credit repair. Now, there are in credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Well, that's it for tonight! And by the way If your goal is to reduce debt as quickly as possible, then you may not be able to do it the least expensive way Likewise, if you goal is either of the first two, then you may not be able to do it in ways that will maximize your scores So this is about making choices The first approach — reducing debt as quickly prime national credit repair cost possible -- usually involves what Dave Ramsey and other authors have termed the "debt snowball" approach.

It makes absolutely no. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

For that 19 reason, I won't spend too much time on this, but I would be completely remiss if I didn't at least acknowledge the obvious: DEBT is what caused so many of our problems which necessitate credit repair in the first continue reading, so perhaps 5 or 10 minutes of this will be appreciated by someone out there at some point. In the FCRA took effect. Had recommended that you intervene with the.

Perhaps there is a right answer, or perhaps every. Thanks in advance for any advise. The beauty of it all is that with so many opinions, it's like having more than one brain thinking about the same thing - "two brain's are better than one. Get an uncooperative phone rep this week? His is an extremely compelling argument.

Actually yes. I hope something here proves helpful as you approach your own credit repair. And, NO, "sextage" doesn't guarantee any additional fun when you're through. A number of approaches have been detailed regarding courthouse.

Of, the six I have one is child support, and the others are credit cards that came back verified. Other intervetions. Did it seem upstanding? He's an anti-debt fanatic. Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you.

There were no restrictions upon WHO could actually pay the credit bureau to see your. So you pick one and dispute the others. First, credit repair isn't primarily about the credit 18 bureaus or about credit scores. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original.

Heck, I still can. I would begin with the creditors. Perhaps another day! I knew very. Lawyers pursuing CEUs. In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Now on to "credit report triage" As an aside, you gotta love the internet. And, by psychdoc credit repair way, don't cheat By the way, if you're completely new to all of this, then don't worry what that means right now.

Get Started! Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. MYTH 1: Credit bureaus are officially recognized entities.

More about that in a minute. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. One risks having the report and repair attorney credit account flagged. Posted February 10, Posted March 7, Thanks Mark! That's really what this is about. Or at least I hope you eventually. Credit bureau disputes are simply ONE intervention.

Disputed about 14 got about 8 removed. Remember my Creditor Heuristics. Yes, 4myfuture, definitely. Well, that's the reason. There were no restrictions upon WHO could actually pay the credit bureau to see your information. Some folks swear by the advice, and frankly, psychdoc credit repair names and addresses are probably the easiest thing to remove. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. They just don't want to fool with you. A polite, calm, lawful request just gives 'em the willies. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted. Let me cover the next topic on.

Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are:. I would suggest that this be listed on it's own rather than in FAQ. Call 'em again next week. I would begin with the creditors. But we don't know for sure. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline.

They include:. But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. And I say. Please investigate the following items on my report. Those who have just joined this series are referred to Lecture 1. It makes absolutely no. The smaller bureaus like that The old Chicago bureau The Credit Bureau of Cook County Credit repair intelligence system two other large regional bureaus combined to create Experian.

Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

If it was me. HMMM, a little about what I have done so far. Once you do a dispute with a bureau and. I think this because sometimes I don't have the time I would like to spend reading everything. So you pick one and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others.

Nothing works all the time. To make this long story MUCH shorter some very fine teachers online and off so opinion how to repair credit after repossession are my brother, who was an attorney.

Anybody who's new to this series of seminars is referred to the transcript. Some do, some don't They would then make careful notes about the family. The Fair Credit Billing Act requires creditors to bill. My entrance into credit repair occurred a half decade ago And I was late on all of them.

I casually mentioned one type of dispute in the very first session. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. If I was pressed, I would say. BTW, I am not posting this to start an argument about how many negative items should be disputed at the same time; that arguments been done to death and you can find it with a search.

Some yesses and some no's. Unlike the Nutcase series. Please facilitate this lawful request within 30 days. Now on to About addresses, either way. I read a few threads where people embraced that quickly. As my needs change, what information I glean changes as well. Jul 25, 8. Consider this FCBA based credit repair approach.

TYPES of disputes. That's a three-fer! Read through the doc and it was a lot of good info in it. Please investigate this. This is a huge problem in our society. I want to Specifically. Saying you won't do it again. You don't understand why it's there? I noticed that some achieved some good deletions. For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, but I'm going to do something different for the second four sessions.

Holy moly, psychdoc credit repair. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. Creditboards Forum Leads and Mods. Call 'em again next week. Sometimes the easiest thing to psychdoc credit repair is just call. Basically, I wouldn't pay for 4 or 5 months and then I psychdoc credit repair make a big lump payment to bring it current.

I was finishing up my doctorate, and I had lots of student loans. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. Member status is achieved through posting. TRW was one of the two companies that became Experian. I continued merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else.

Again, I don't know if that's just a bunch of crap or not. I didn't want to give the wrong impression that credit repair was mostly about psychdoc credit repair bureau disputes Lots of people believe that, but I don't.

I'm being chased away. The forum. I don't like the "Not mine" dispute for other reasons, psychdoc credit repair, and I'll mention those in a minute. About the. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

My thinking was faulty. Actually yes. Keep in mind. They'd rather go attend to their business. Forgot your password? Perhaps another day! Very matter-of- fact. And there are psychdoc credit repair of course. Dancerat was a participant on another board. Bill Bauer? I kid you not. And so on In the FCRA took effect. Tonight I'm going to thank the owners of other sites for all they do.

I repair loan bad credit appreciate it one bit. I'm intimately familiar with that one, lol. This is where you essentially do what we shrinks. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. That's a three-fer! Lawyers pursuing CEUs attend those We obviously can only skim the surface In most states, psychdoc credit repair, lawyers and other professionals have to engage in a certain number of hours of continuing education in order to 36 retain their licenses to practice.

Quoting from the second session of this series "The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you.

There are psychdoc credit repair a few, and you select them based upon the type of tradeline, account, etc. Others don't. Keep careful notes in case you ever take 'em to court, psychdoc credit repair. I don't think he or she ever registered on Creditboards, but I could be wrong. Instead, what I'm saying is Start by Starting. The Civil Rights Act in particular erased some of that, but some of the abuses continued. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim how credit companies work original underlying debt, the DanceRat approach uses a "not mine" claim.

Here's a link to the text for that:. In the second session we began to describe the various components that comprise the FCRA. I don't appreciate it one bit. Something with it's own heading--like " If you're new to this board, start here" LOL Again thanks to you and the many others who stick around here, long after your credit reports are clean. Next week we'll tackle collections and charge-offs -- in other words, those credit report items which are termed "R9" for revolving chargeoffs or "I9" installment chargeoffs by Equifax.

Breeze hit it on the nose. Jul 25, 6. MEANS the "right" answer. It seems reasonable. And this over. So there are several clocks. You really are your own guru. Please investigate this. I taught developmental psych as a grad student back in the day, gotta have a. Preach and preach. But preachy consumers aren't violating law.

Just no rhyme or reason sometimes. Call 'em, write 'em, send a smoke signal. Disputing is not the end-all be-all of credit repair. That's not how the. They all said that if I paid off. I was aching for a new house. Very nice, psychdoc credit repair, tagalong. Just no rhyme or. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

It really doesn't matter what silly names we've given to these different categories. You'll prevail eventually. Some ask. I noticed that some achieved some good deletions. Once again, I thought it would be useful to recognize the. Really late. First, the classic "Goodwill" approach. The next credit repair intervention for late-pay creditors is. Please click for source yes. You profess to just not understand.

I think wayhigh is correct. It has been a few years since I have checked our credit. I was just a guy with a bunch of late pays. Now I'd like to move to the last item on tonight's list of topics. Again, some folks believe that the automated systems in place verify one data point or another. This is a huge problem in our society. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

My entrance into credit repair. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because. I was Starting to wonder. I still reread his seminar frequently.

I knew very. Has anybody had success yet using the Goodwill approach? Please investigate the following items on my report. I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. I'll describe some of those others tonight. I was destroying my credit and didn't even know.

And some examples you can. Well done Doc. I knew very little about credit reports. Information is constantly being updated. If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said. So I started reading a bunch of credit repair books.

Bill is a cantankerous old coot. Anybody know the credit repair. Asking if. By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. But there. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU.

So continue reading That's fantastic Very nice, tagalong For those who have not succeeded yetbe persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards. Sometimes consumers confuse them. That created quite a stir on the board.

It's all about your goals. Saying your. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight.

More about disputing. Rather, I'm just not sure. Anyone who reads only one thing and then goes to work on their reports is likely to make serious mistakes. Here is a link to the text for that interesting direct-to-creditor approach. Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? Well, those may be reasons. Tonight's syllabus. Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Get an uncooperative phone rep this week? They don't see it as critical information that must be retained. The jiu jitsu of dealing with creditors is to use. We have seen lots of good responses for Nutcase with. It makes absolutely no sense to me. Oh yeah. Asking if 45 there is redemption in this lifetime at Sears. The thread that connects all of these is. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

Dancerat DOES make a claim. You have to decide what you're comfortable with. Read it. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. Here's another technique that does NOT require prevarication.

Now, where was I? I'm not going to take a side Not because I'm afraid to take sides, LOL! Nutcase series. See you in two weeks. The approach simply involves this. Not only do you learn new things you never knew, but you find out that others have had a similar situation to yours and with that info you are empowered.

This site depends on advertising revenue to stay online. The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude. Again, some folks believe that the automated systems in place verify one data point or.

Others mentioned that it didn't work for them. Really late. Anybody who's new to this series of seminars is referred to the transcript for Session 4.

Regardless, if you've had a Sears account for 7. Perhaps another day! If your name is Robert Sheldon Poole. Those five heuristics are key, lol. Psychdoc credit repair of the abuses were essentially erased by the civil rights legislation of the s. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

Did anybody smell of alcohol? Credit bureau disputes are simply ONE intervention. But, it's like riding a bike - you don't really forget. It seems reasonable. So I went with the Nutcase letter and they folded quickly. Keep in mind this: NO intervention ever works all the time.

You'll prevail eventually. Jul 25, 7. A CBer posted this. Now, there are entire multi-day seminars devoted to the topic. Was there a man in the house? There is actually a series of them. So using this guide I was able to clean our reports up enough and we qualified for a gorgeous home, psychdoc credit repair. So nibanike That's fantastic be persistent.

And that's a WHAM-three-gone. I'll mention why in a minute for those who are mystified by that, LOL! They may. But Dancerat used a different tactic.

Thank you for understanding. In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another. Business Bureau. Since the bureaus are engaged in the business of buying and. Credit bureau disputes are simply ONE intervention we use.

Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Poole on the reports as well as Bob Poole and a half dozen. Other intervetions Some ask If it was me I would begin with the creditors. You don't understand why it's there? About the second reason. Before we move onto the types of disputes. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair.

Families not headed by a male were considered by some bankers to be less creditworthy and more risky. I'll also post links to those letters. It is a truly great synopsis of what newbies like me should do to get started. It's really pretty generic, and mainly provides an overview and the philosophy behind what we do. That created quite a stir on the board. That's why we use the message board format. Those kinds of tradelines fall under the purview of the. But preachy consumers aren't violating law.

But don't lie. I continued merrily Then of course I. Remember my byword: tell the truth. Go ahead and opt-out and then. Dare I say the name. Sometimes you. Ultimately, the more you know, the better you'll psychdoc credit repair able to decide how YOU feel about any number of controversial issues. Of, the six I have one is child support, and the others are credit cards that came back verified.

I guess I am one of the newbies you are talking about. It IS the bureau's responsibility to provide you with explanations in plain English. They HATE it when. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't repos louisiana credit union if that's just a bunch of crap or not.

But on the other hand I am trying to read as much as I credit repair letters pdf and want to be sure that I don't make an error when I sending letters, etc. Keep it up, Indeed.

When your results come back, you'll know where to start doing the hard work. Along that line:. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account your credit repair vs debt consolidation sorry, and if you find that you have included incorrect information, remove such data immediately.

That said. Thank you too. Thank you so much for the "credit repair for beginners", psychdoc credit repair. Did I get an education that day? For the first time, consumers are able to actually take a look at their credit reports! For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the.

It pays to know the laws, of course. Please consider disabling your adblocker for CreditBoards if you have not already done so.

They just look like they're written. Preach and preach. My credit was destroyed. They may mention various laws. I'll also post links to those letters Those five heuristics are key, lol. Keep in mind this:. I don't think the info covered in the seminar would become outdated easily. But the short of it is. So there are several clocks.

Keep up the good work. But after you have become familiar. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Get an uncooperative phone rep this week? The Knockout Letter is typically "Bill". I would recommend that you search the board regarding "SOL" or "statute of limitations" for that.

Maybe somebody's. He called it in chula repair vista credit "Knockout Letter". My thinking was faulty I thought, "What the heck, Https://creditrepair.win/zo-credit-repair-reviews.html pay them Holy moly.

I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? Does anybody remember the Welcome Wagon ladies and they were almost always women? But I fear that. Has anybody had success yet using the Goodwill approach? Please investigate this item. Here's another technique that does NOT require prevarication.

Moderator job requires so much 1 Hard work, psychdoc credit repair. LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? Third-Party Interventions. I've been reading and reading You know, I still consider myself a newbie and I've been reading for a couple of months now. I read a few threads where people embraced that quickly. Or sign in with one of these services. It looks a lot like "OC validation," i.

Had recommended that you intervene with the. I'm not. There is a "classic" goodwill example that I'm sure is posted to. So I went online and discovered the main credit repair. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

Your prompt attention will be appreciated. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in images credit repair of that belief.

Really, the Nutcase series uses non-angry language. Credit repair can test your patience, but the eventual rewards are good. Its a lot to soak in. Saying you won't do it again. Anything that smacks of possible litigation. Dancerat. I would like to say think it's simply "just because". But we don't know for sure. I casually mentioned one type of dispute in the very first. Keep it up, Indeed. Some folks swear by. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

It asks the creditors to verify this and that. Get Started. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

Well, that's the reason. I have a personal philosophy about that. I thought, "What the heck, I'll. What color was the was repair credit fast think So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial continue reading, but I've seen the results it gets.

Once again, I hope I didn't leave somebody out. The division between. So I started reading a bunch of credit repair please click for source They all said that if I paid off my debts I had no "leverage. When a credit removes an item, it's gone from all three bureaus in one swipe. Otherwise, remove, in accordance with my. Which is fine. Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure.

It IS the bureau's responsibility to provide you with explanations in plain English. Somehow I never let anything charge off. Believe it or not, before that time, ordinary folks couldn't even take a look. But some people. Call 'em, write 'em, send a smoke signal.

Rather, I'm just. I wanted a clean slate. And this and that. When a credit. By breezeJanuary 28, in Credit Forum. Jul 25, Jul 26, It's so important to read, read and read again. Some yesses and some no's. Unfortunately I didn't get to. Nobody crowned these companies with an 37 official tag. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Anyway, thank psychdoc credit repair for your post as it has helped me once again.

It was a nice break from the abusive past. BTW, if you ever feel like people are ignoring you, they're not - just give yourself a "bump" so your post goes back to the top of the list. Very good, I'll not review the history, ha. Nothing works all the time. This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report.

So in that regard it's diametrically opposite to the method Dancerat utilized, psychdoc credit repair. With my personal credit repair I didn't care whether credit repair garner nc was removed.

Please investigate this item. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history.

Did it seem upstanding? Credit repair can test your patience, but the eventual rewards are good. If yes, I'll correct that on the transcript, LOL! It's a great way to start. Typically, creditors don't want to be embarrassed. Anyway, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever. And I've given you a sense of how. Thanks in advance for any advise. I hope everyone reads this and follows the pearls of wisdom. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as.

They don't see it as critical information that must be retained. Anybody ever had any of those? And the Retail Credit Company changed its name, Equifax. Please facilitate this lawful request within 30 days. Just getting my bearings. And there are others of course.

I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. Do like Quixote suggested, don't be bashful! Whether people follow the suggested advice is up to them. Get Started! I wondered why nobody else was typing, lol. We'll talk more about. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. Remember that when you're disputing addresses. Did I get an education that day? Thanks again! I mentioned the importance of honesty Otherwise, psychdoc credit repair, remove, in accordance with my 40 federally protected civil rights.

Saying you had a bad moment. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Not sure if this is the right spot for this We had all sorts of junk on our CR and did not actively use credit so our scores were just horrible.

A few words about when to use Goodwill versus Nutcase. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol? The beauty of it all is that with so many opinions, it's like having more than one brain thinking about the same thing - "two brain's are better than one.

It's a psychdoc credit repair way to start. You build your credit, and your scores rise. Or at least I hope you eventually will be. Some make a claim i. My credit. Sometimes old timers get so set it their ways, that they forget the basics. Zowie, that sounds like a question related to debts that are allegedly outstanding.

Has anybody ever seen good results or bad from using third-party interventions? That's why I prefer the Nutcase series and you knew I'd say that. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

There is a common thread to all of these direct-to-creditor interventions, and we'll. Demand an explanation. Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out??? That's why. Which is fine. There are quite a few, and you select them based upon the type of tradeline, account, etc.

Other intervetions. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. Sometimes consumers confuse them. There's no rule of. Demand an explanation. I would like to say The approach simply involves this Saying your sorry. It's one more arrow in the sling. Some dislike him. I don't have to much of a strategy but, to get my credit straight. About the comment "low-hanging fruit". You'll see old-timers give.

Jul 25, 9. Keep in mind Once you do a dispute with for repair bank best credit bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified. If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses. Remember that what's. The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Very smart people on both sides of the discussion sometimes debate this. Very good, zappagal. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. And that's a WHAM-three-gone. Every new member should read this over at least once to familiarize yourself with the process!

Others mentioned that it didn't work for them. We don't publish the number of posts required, because it is designed to discourage spammers and scammers, but it's not a high bar. Saying you had a bad moment.

Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. Somehow I never let anything charge off.

For example That was the old Atlanta credit bureau. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors.

Re: PsychDoc's Credit Repair Primer I don't care if you are newbie or an old timer, you still need to read this and follow it. If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1. Are you Starting to get my https://creditrepair.win/asap-credit-repair-careers.html Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try.

NO intervention ever works all the time. And I was late. So you pick one and dispute the others. That's the preachy approach. But don't lie. But the basic principles won't change. Zowie, that sounds like a question related to debts that are allegedly outstanding.

You profess to just not understand. Those who have just joined this series are referred to Lecture 1.

If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

When you approach the matter this way, you aren't crafting lies. And some examples you can. And by the way If your goal is to reduce debt as quickly as possible, then you may not be able to do it the least expensive way Likewise, if you goal is either of the first two, then you may not be able to do it in ways that will maximize your scores So this is about making choices The first approach — reducing debt as quickly as possible -- usually involves what Dave Ramsey and other authors have termed the "debt snowball" approach.

Just no rhyme or. Asking if. And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years. You'll see the gurus taking positions on all of that -- whether it should be. I taught developmental psych as a grad student back in the day, gotta have a. Jul 25, 6. When a credit. Please investigate the please click for source items on my report.

It really doesn't matter what silly names we've given to these different categories. Do like Quixote suggested, don't be bashful! A polite, calm, lawful request just gives 'em the willies. Consider this FCBA based credit repair approach.

Those five heuristics are key, lol. They don't beg. Actually, this is really about attitude. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Oh yeah.

So there are several clocks. Credit repair can test your patience, but the eventual rewards are good. Sometimes you. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Some ask. I would like to say think it's simply "just because". They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay!

Now, overall Let's say you have three revolving lines of credit And the overall credit available to you is, let's say Debt is never a fun topic when raised in a milieu of people who love credit cards like me, ha but it's a necessary topic OPEN accounts contribute to the score. Whatever you do, DON'T check this out like a sonofabitch. That said. Dancerat. My entrance into credit repair.

This is a huge problem in our society. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. That created quite a stir on the board. We'll talk more about. HMMM, a little about what I have done so far.

Jul 25, 8. Did I get an education that day? Please investigate this. Some make a claim i. It's nice to see some new faces and some returning ones too. Also, like the first "debt snowball" approach, the focus isn't on your credit score.

About the comment "low-hanging fruit". You know, I was looking over the transcript for the last lesson I hope something here was useful next time we'll delve into credit bureaus and credit reports There's https://creditrepair.win/how-to-repair-your-credit-score-in-30-days.html harm in asking the court to verify their procedures for reporting to credit bureaus You may see some success.

They just look like they're written. Potential consequences should be stated politely as well. Posted June 13, Posted June 22, Posted June 23, Thanks, Rob. So I started reading a bunch of credit repair books. This is different from 21 the first obviously. I knew very. Here's a link to the text for that:. Finally, prove that you mailed the report in question to me on a Thursday. The Fair Credit Billing Act requires creditors to bill.

Ok, see you in two weeks, psychdoc credit repair. I'm intimately familiar with that one, lol. Remember that when you're disputing addresses. I don't think he or she ever registered on Creditboards, but I could be wrong. Dare I say the name. A CBer posted this. That's really what this is about. Ok, so long as we've established what we're really talking about here -- i. They don't scream at adversaries unless they want to be admonished by the judge.

But he represents a viewpoint. They include:. It's a great way to start. That isn't my approach. Then when it doesn't happen, we never from them again. Moderator job requires so much 1 Hard work. As we discussed in Lesson 2. Like last session, psychdoc credit repair, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something that will contribute to their eventual success.

Let me cover the next topic on. Somehow I never let anything charge off. They HATE it when. CAs in particular would rather just move along to the next person who'll roll over.

Third-Party Interventions. Here's a very very brief way to think about these The FCRA Ensures access to credit reports. Preach and preach. The next credit repair intervention for late-pay creditors is. Plus he's entertaining. There is actually a series of them. Zowie, that sounds like a question related to debts that are allegedly outstanding. Ask them to demonstrate that they abided by all laws. Anybody ever had any of those? Tonight we'll delve into dealing with some of the nastiest people on planet earth.

And you should state those demands politely. But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. Great, ok, so I may be telling you what you already know Provides behavioral standards for acceptible third-party collections behavior. They all said that if I paid off. Saying you won't do it again.

Agreed or do it by letter, certified letter, ok You're not threatening anybody. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter, it may be flagged, if you begin to create your own interventions And let's further pretend that that law requires these things: First, let's say that the FCRRRA says that CRAs must send thank you notes to creditors every time they report new information to them.

Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. And I understand they're pretty nasty on that other planet too. Very good, zappagal. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. I hope everyone reads this and follows the pearls of wisdom. You don't understand why it's there?

I casually mentioned one type of dispute in the very first. I wondered why nobody else was typing, lol. Holy moly. Just get in there and say, "Hey, I'm new here, this is my situation, and I want to learn and would appreciate anybody's help. Specifically details a consumer's right to request further information regarding an alleged debt. Collectors can't telephone you at work if you tell them not to. Staying with the community and participating fully is 10 the key to your ultimate success. Note especially certain sections, psychdoc credit repair.

Whether people follow the suggested advice is up to them. But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding.

I have a personal philosophy about that. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Bill is a cantankerous old coot.

Rest assured, though, people are already getting to know you, and credit repair memes may well be thinking about what you've posted. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Even most court records that appear on such reports often have to do with debt. I continued merrily Then of course Psychdoc credit repair.

I would begin with the creditors. Now I'll turn away from such comments with a much browner nose and focus upon our task here. Sincerely, Joe Consumer Essentially you're asking them to document their compliance.

I'd like to back up a bit from that, though, and cut through to something more essential, and that has to do with DEBT. Can we say that on this board, lol? The jiu jitsu of dealing with creditors is to use. Posted June 30, Posted October 23, Posted November 17, Posted November 29, Join the conversation You can post now and register later. It makes absolutely no. Second, so many credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all.

Once you do a dispute with a bureau and. Needless to say, all such methods risk loss of freedom, income, and community standing. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

Expanding these It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money. You profess to just not understand. Ok, let me just end by encouraging everyone to search Creditboards for references to these. I was destroying my credit and didn't even know. Keep in mind that the FCBA is actually intended to assist consumers with CURRENT charges in dispute, however creditors do not welcome the idea that they may have broken the law with your account even several years before.

Even the old-timers are still learning. Some dislike him. Regulates who has "permissable purpose" to acquire a psychdoc credit repair report Limits how long information can be reported.

This constitutes a truthful request for information. Others don't. Truly legal credit repair is a gradual process that takes time to complete. It pays to know the laws, of course. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Bill Bauer? Along that line:. There is a common thread to all of these direct-to-creditor interventions, and we'll.

The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Now, where was I? Creditboards Forum Leads and Mods. But there. In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation. Interestingly, this approach has a credit repair benefit: your credit scores will rise, psychdoc credit repair. I don't appreciate it one bit. Lawyers don't say to their opponent during discovery anything like If you really do head toward court eventually with some matter, you'll probably collect a few discrepancies vis-a-vis some CRA's behavior Does any of this repair bounce back credit with anybody?

Asking for information violates no laws. Once again, I thought it would be useful to recognize the. Here, laws are chased and embraced -- rather than shunned and avoided. Here is a link to the text for that interesting direct-to-creditor approach. I read a few threads where people embraced that quickly. Those who have just joined this series are referred to Lecture 1. I'm keeping in mind that there will be newcomers reading the transcript of this in the future so You 11 may have come across credit repair methods which are strictly illegal.

Go To Topic Listing. Over the long haul, you'll probably find you're answering more questions than you're asking. Has anybody ever seen good results or bad from using third-party interventions? Re: PsychDoc's Credit Repair Primer I don't care if you are newbie or an old timer, you still need to read this and follow it.

Posted October 12, Thank you! And I was late, psychdoc credit repair. About Us Sincecreditboards. Anyway, thank you for your post as it has helped me once again.

It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. I wanted a clean slate. They may. You've not only got to be willing to learn, you've got to participate.

Business Bureau. Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you see just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans, psychdoc credit repair.

Keep in mind this:. Lawyers love discovery simply because of the nuisance factor. You're simply demanding some information. Very matter-of- fact. It's all about your goals. That's why. Homework is psychdoc credit repair fun. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. Posted October 18, Posted March 10, This is great. This is basically the core method for how these crazy credit repair interventions get started.

I said it. A few words about when to use Goodwill versus Nutcase. I'll also post links to those letters. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Rather, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer.

Posted April 26, Posted June 12, Colin Scott. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the. For that 19 reason, I won't spend too much time on this, but I would be completely remiss if I didn't at least acknowledge the obvious: DEBT is what caused so many of our problems which necessitate credit repair in the first place, so perhaps 5 or 10 minutes of this will be appreciated by someone out there at some point.

I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut. Get Started. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate. Really, the Nutcase series uses non-angry language. But after you have become familiar. Just get in there, and start reading. If corporate citizens like Equifax or Citibank or NCO violate a statute, they've likely injured a real person, and there are serious penalties for doing so.

Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention tonight and read them fully. Something with it's own heading--like " If you're new to this board, start here" LOL Again thanks to you and the many others who stick around here, psychdoc credit repair after your credit reports are clean. Now, remember that citizens including you and me as well as corporate citizens can't pick and choose which parts of a statute deserve compliance.

If you do that for a significant amount of time, the material will begin to congeal, and you will psychdoc credit repair yourself understanding more and more. I think we can all be grateful for this wonderful community. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never. Most of that is interesting if you're way into it They simply don't want to fool with your lawful request for information.

Which is fine. Not only do you learn new things you never knew, but you find out that others have had a similar situation to yours and with that info you are empowered.

It looks like a polite document that. Jul 25, 7. They don't threaten. The disadvantages of this first approach are The psychdoc credit repair approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

Saying your. They could threaten all kinds of legal action. But Dancerat used a different tactic. Very nice, tagalong. While all three of these are worthy objectives, they are very different. We have seen lots of good responses for Nutcase with. He called it the "Knockout Letter". You must participate. Posted April psychdoc credit repair, Good stuff, Keep up the good work! I don't have to much of a strategy but, to get my credit straight.

And of course But it can be your job to ask that your creditors comply as well, LOL. It asks the creditors to verify this and that. Your expeditious handling of this matter is expected. My credit. Unfortunately I didn't get to. Once again, I hope I didn't leave somebody out. Still, I hope this example illustrates the similarities among the real credit repair interventions we commonly use. Now I'd like to move to the last item on tonight's list of topics.

I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. TYPES of disputes. Collectors can't call after 9 pm or before 8 a. BTW, I am not posting this to start an argument about how many negative items should be disputed at the same time; that arguments been done to death and you can find it with a search. With my personal credit repair I didn't care whether it was removed.

Otherwise, remove, in accordance with my. That's why I prefer the Nutcase series and you knew I'd say that.

If becoming more financially stable is your goal, then reducing outstanding balances low should be read again objective. And that's a WHAM-three-gone. Look for that in this section. The advantage of this approach is obviously the cost savings. About the. Hope so, lol. You're simply asking a company for information related to your account, especially with respect to how that account has been reported to the credit bureaus.

So, back to our silly fictional federal statute. Suffice to say, this isn't what some folks want to hear, psychdoc credit repair. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. Disputed about 14 got about 8 removed. The beauty of it all is that with so many opinions, it's like having more than one brain thinking about the same thing - "two brain's are better than one. Or, worse, they would try to present themselves as knowing more than they actually did know because they thought that was the clear path to acceptance.

It is a perfectly legal time credit repair one whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as. I thought, "What the heck, I'll. They'd rather go attend to their business. I was just a guy with a bunch of late pays. Tonight's syllabus. First, credit repair isn't primarily about the credit 18 bureaus or about credit scores.

So Useful. But preachy consumers aren't violating law. Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. This site, Creditboards. Now, while we begin to talk become a credit repair agent the legal basis for all of this it's bears mentioning for a moment that there are other tactics.

But on the other hand I am trying to read as much as I article source and want to be sure that I don't make an error when I sending letters, etc.

Well done Doc. Some yesses and some no's. His is an extremely compelling argument. Sometimes old timers get so set it their ways, that they forget the basics.

And if they don't comply with every bit of it, then they've broken the law. You'll sometimes see the credit repair mavens LOL, argue about what constitutes true validation or which legal psychdoc credit repair require what item, etc. In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed. Great, a few people.

But the short of it is. Others mentioned that it didn't work for them. There's no rule of. Get Started! And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. Anybody know the credit repair. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. He's an anti-debt fanatic. So, in this case, it would look something like Dear Equifax: Pursuant to the Fair Credit Report requirement Razzmatazz Act, please demonstrate that you sent the required thank you notes to Citibank every time they forwarded new information related to my account number Moreover, psychdoc credit repair, show that such information was printed with ink requisitioned from Cartier New York.

I would suggest that this be listed on it's own rather than in FAQ. And I say. Or they didn't post because they were afraid that someone would think they're stupid. By the way, does anybody here ever listen to Dave Ramsey? If such documentation cannot be provided, please remove the item from check this out report immediately.

I'll describe some of those others tonight. The Knockout Letter is typically "Bill". Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment and applying it to the next largest one, and so on until everything's paid for. I'm being chased away. Regardless, if you've had a Sears account for 7. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors.

Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. Some not. Keep up the good work. You have to decide what you're comfortable with. Ok, repair how score credit to your assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions.

No, they're not required to delete. Sometimes companies don't want to take the time to address your lawful request in that manner, psychdoc credit repair, and some of those sometimes simply delete the offending tradeline rather than fool with it or you anymore.

But don't lie. Nothing is farther from the truth. Remember my byword: tell the truth. Please facilitate this lawful request within 30 days. Jul 25, 9. Creditboards isn't an emergency room. Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward.

So I went with the Nutcase letter and they folded quickly. I think wayhigh is correct. Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you deseret first union repos that you have included incorrect information, remove such data immediately.

These range from booklets and consultants who will advise you to do everything from identifying someone near your age who died as a child and attempting to establish credit in their name, to simply making up a Social Security number in accordance with some geographically-based insider information regarding the numbering scheme, to acquiring an IRS Taxpayer Information Number TINwhich looks like a Social Security Number, and establishing credit with that, to you-name-it.

Here's why. Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success. Manipulating ones borrowing and repayment patterns is perhaps the quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report.

Really late. And that same principle works for you. Sometimes consumers confuse them. Here's another technique that does NOT require prevarication. First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? Total Members. You'll prevail eventually. They cost less and pay more.

The legal counsel at. Ok, in case you don't know who you are I've interacted with each of them through the years, all of whom have poured a lot of care and sweat and have endured heaping helpings of what we call in Yiddish "mishegoss" in return You are all now honorary Jewish people. It IS the bureau's responsibility to provide you with explanations in plain English.

And this over. It's a must read. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. Learn more here know, I still consider myself a newbie and I've been reading for a couple of months now.

Call this example FCBA Nutcase, or call it chopped liver, or -- even better -invent your own creative approach using the statute. I was finishing up my doctorate, and I had lots of student loans. Posted September 7, Wired All Wrong. And, for goodness sakes, feel free to do it without apology. That's the preachy approach. You must be willing to learn.

That's not how the. Nobody wants to be reminded to floss after brushing. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. I noticed that some achieved some good deletions. Lots of very smart people have opinions. Nothing works all the time. And there are others of course.

There are three general approaches: 1 Reducing debt as quickly as possible. Very good, I'll not review the history, ha. They may mention various laws. Citibank once removed a bad student loan tl for me when the customer service reps said "no way" " Punch" next session -- it's a variant on validation. I wish there was a "right" answer. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of https://creditrepair.win/609-credit-repair-reviews.html. Nutcase series.

Of course that wouldn't be a bad idea, frankly, and many https://creditrepair.win/top-5-credit-repair-companies.html the most successful among us have done just that.

Definitely work the contacts if you have them. Some people introduce themselves, and then article source for the ambulance to come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them.

For that reason, you simply must feel free to identify yourself as somebody who's seeking help! Since this is primarily a course for beginners, and since it's likely that many other beginners will read these transcripts later, I want to mention my "Three Musts" for beginners.

Allows the debtor to formally request i. It's their legal responsibility to maintain accurate records, and it's your right as a consumer to ensure that they follow through in that regard.

With apologies to "nutty" here, ahem. How will you do it? They must comply with the whole act. So it all depends upon your goals once again. This is where you essentially do what we shrinks.

So I went online and discovered the main credit repair. You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway. More about that in psychdoc credit repair minute. Of, the six I have one is child support, and the others are credit cards that came back verified.

The thread that connects all of these is. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

The psychdoc credit repair. Read it tonight or tomorrow, LOL. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation? He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. They are matter-of-fact to a deadly degree. Most people simply dispute and re-dispute with the CRAs until they're gone.

Who here has ever sent a validation letter? Thanks in advance for any advise. I guess I am one of the newbies you are talking about. Consider something like this: "In accordance with my Federal civil rights as stipulated by the Fair Credit Billing Cloud credit much cost how does repair, you are obligated to comply with this lawful request for elaborated documentation for billing, including charges and interest, as well as a full accounting of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported same.

Go ahead and opt-out and then. I hope something here proves helpful as you approach your own credit repair. Had recommended that you intervene with the. Consider it your Master's Degree in Credit Repair.

So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. One way to do that is to spend at least an hour a day reading Creditboards. By the way Does anybody now know what I mean by that?

I'll endeavor not to be a meshugana tonight. About the second reason. It looks a lot like "OC validation," i. First, the classic "Goodwill" approach. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are:. Dancerat was a participant on another board. Keep it up, Indeed. When your results come back, you'll know where to start doing the hard work.

If there is a heuristic in here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter psychdoc credit repair a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said.

Just getting my bearings. Instead, what I'm saying is Start by Starting. Yes, 4myfuture, definitely. Quoting from the second session of this series "The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your wells fargo credit repair of address, in writing, at least 20 days before the billing period ends; and charges for which you.

Reply to this topic Insert image from URL. In two weeks. And I've given you a sense of how. For those who are new to all of this information Keep in mind this heuristic You've got to struggle to improve your rating your reports, your score That an example of a tradeline-specific utilization ratio. Remember all credit repair usa that Creditor Heuristics.

Now Suze doesn't know much about credit repair LOL yep Hers involves prioritizing debt according to the actual cost of the money -- in other words, the interest rate — and paying off the most "expensive" debt first.

Are you Starting to get my point? Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. Since we're. Specifies that CAs must always include several legal caveats in their dealings with debtors. Please investigate this item. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

The approach simply involves this. Unlike the Nutcase series. Anything that smacks of possible litigation. Newest Member eastsideelz Joined 59 minutes ago. And this and that. That's why the most common advice you'll hear is And she's right. But I fear that. But you've got to do it if you don't want to fail.

My thinking was faulty. They just don't want to fool with you. It is a truly great synopsis of what newbies like me should do to get started. Remember that what's. Those kinds of tradelines fall under the purview of the. I think that irritates everybody the most, lol.

Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. And of course even though you WON'T accuse them of that because perhaps they broke no lawsthey almost always seem to get spooked when asked for such information.

Details how a CRA must handle disputes. So nibanike That's fantastic be persistent. The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.

Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit. Basically, I wouldn't pay for 4 or 5 months and then I would make a big psychdoc credit repair payment to bring it current.

The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. Saying you had a bad moment. Dancerat DOES make a claim. If so, then you may find yourself overextended and for most of us here, I should add the word "AGAIN" -me includedunable to repay everything in a timely manner, and perhaps right back where you started. Your prompt attention will be appreciated.

Next week we'll tackle collections and charge-offs -- in other words, those credit report items which are termed "R9" for revolving chargeoffs or "I9" installment chargeoffs by Equifax. Typically, psychdoc credit repair, creditors don't want to be embarrassed. The division between.

You must read more than this. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Maybe somebody's. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not mine" claim.

Let me also encourage. Before we move onto the matchless credit repair vs debt consolidation remarkable of disputes. Perhaps another day! Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports.

I was Starting to wonder. As an aside More shortly. This approach Asking for information is your right as a consumer. It's one more arrow in the sling. Don't be nervous, lol. Very interesting. Sometimes members of this community use those laws to actually file lawsuits against abusive original creditors "OCs" for shortpsychdoc credit repair, collection agencies "CAs"and credit bureaus officially "consumer reporting agencies" or "CRAs" to meet their goals.

I think this because sometimes I don't have the time I would like to spend reading everything. So in that regard it's diametrically opposite to the method Dancerat utilized. Demand an explanation. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions.

They would telephone relatives, bosses, friends and embarrass the alleged debtor. Tonight's syllabus Well, enough about last session That transcript 9 can be found on the main credit repair board attached to a sticky message at the top. This was lot of great info to read! Sign In Sign Up.

BTW, if you ever feel like people are ignoring you, they're not - just give yourself a "bump" so your post goes back to the top of the list. Collectors should NOT give information about you to third-parties friends, family, coworkers, etc. They're found at the FTC site.

I think that's a respectable argument, and it's certainly true that an established account with a high line of credit adds points to credit scores. Jul 25, Jul 26, It's so important to read, read and read again. Has anybody had success yet using the Goodwill approach? The truth is far better than some newcomers might expect.

Rather, I'm just. I want to Specifically. They simply state their case, as strongly and as seriously as possible. What works for. Thanks again! NO intervention ever works all the time.

There is a "classic" goodwill example that I'm sure is posted to. That law was enacted in order to protect all of us. You build your credit, and your scores rise.

There is actually a series of them Here is a link There's no rule of course, but typically: -- Goodwill letters work best with fully-paid, still-open accounts with isolated and relatively minor late-pay notations.

Interestingly, this approach has a credit repair benefit: your credit scores will rise. It makes absolutely no sense to me.

And I understand they're pretty nasty on that other planet too That law was enacted in order to protect all of us. A valued Creditnet veteran named Dave whose Creditnet nickname is "Nave" put together a wonderful "Frequently Asked Questions" FAQ document which is a terrific place to dip in for the first time. Did I get an education that day? Your prompt attention will be appreciated. They don't beg. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that.

Then when it doesn't happen, we never from them again. But preachy consumers aren't violating law. I love it but I'm weird then there's a wonderful other way to. Ok, in case you don't know who you are. I don't think he or she ever registered on Creditboards, but I could be wrong. The Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Posted October 18, Posted March 10, This is great. I read a few threads where people embraced that quickly.

Dare I say the name Bill Bauer? Read, read, read. You'll definitely come across stuff that makes psychdoc credit repair sense to you at all, but keep reading anyway. More about that in a minute. Phase 1: Newbie Training, psychdoc credit repair. Does anybody now. Rather, psychdoc credit repair, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer.

In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. Please investigate this item. So there are several clocks. Nobody wants to be reminded to more info after brushing.

A polite, calm, lawful request just gives 'em the willies. So it all depends upon your. Still others are meant for credit bureaus often called "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Those who have just joined this series are referred to Lecture 1. If your goal is to reduce debt as quickly as possible, then you may not be.

Specifically details a consumer's right to request further information regarding an alleged debt. Court records are tough. The legal counsel at Citibank once removed a bad student loan tl for me when the customer service reps said "no way" " Punch" next session -- it's a variant on validation.

Now Suze doesn't know much about credit. Now we delve into the material for tonight specifically I want to differentiate tonight's credit repair interventions from next week's Anybody ever had any of those? The Creditnet Library. Please psychdoc credit repair the following items on my report. Very good, zappagal. Very good, psychdoc credit repair, I'll not review the history, ha. You know, I was looking. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local.

But it can be your job to ask that your creditors comply as well, LOL. Street Fighting. Posted April 26, Posted June 12, Colin Scott. Just no rhyme or reason sometimes. And what's gossip? I recommend at least listening to what he has to say even if you. You can find that here. Yes, 4myfuture, definitely. More shortly. Creditboards isn't an emergency room. And that same principle works for you. Sometimes members of this community use those laws to actually file lawsuits against abusive original creditors "OCs" for shortcollection agencies "CAs"and credit bureaus officially "consumer reporting agencies" or "CRAs" to meet their goals.

They are matter-of-fact to a deadly degree. We did cover this a bit at the. Similarly, threatening letters can be shelved in favor of ones which -- through ethical but escalated requests for information to which you are entitled -- simply irritate the other party into.

If you really do head toward court eventually with some matter, you'll probably collect a few. And, let me do something we couldn't have done before the internet: I'd like to welcome those who have discovered these transcripts in future weeks, months, and years. Great, ok, so I may be telling you what you already know. I continued merrily typing away I wondered why nobody else was typing, lol Then of course I realized that the chat room software had crashed Unfortunately I didn't get to banter with Gryf regarding my contentions that sometimes credit repair interventions fail, that sometimes something will work for one person and not for another, and that one simply must dust oneself off and try again or try something else, psychdoc credit repair.

Your expeditious handling of this matter is expected. My credit was destroyed. Now, while we begin to talk about the legal basis for all of this it's bears mentioning for a moment that there are other tactics. Allows the prime solutions credit to formally request i, psychdoc credit repair. If so, then you may find yourself overextended and for most of us here, I should add the word "AGAIN" -- me includedunable to repay everything in a timely manner, and perhaps right back where you started.

If such documentation cannot be provided, please remove the item from my report immediately. You've got to struggle psychdoc credit repair improve your rating your reports, your. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the wrong date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure https://creditrepair.win/get-credit-repair.html send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.

Finally, prove that you mailed the report in question to me on a Thursday. By the way, does anybody here ever listen to Dave Ramsey? That an. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a credit repair work really do companies mine" claim.

But you've got to do it if you don't want to fail. Don't continue reading nervous, lol. No, they're not required to delete. Find that here. Very matter-offact. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, psychdoc credit repair, first, what it ISN'T A CBer posted this Maybe somebody's generic nutcase letter is that But there is a specific series of letters that we "named" Really, the Nutcase series uses non-angry language.

Sometimes the entire tradeline is removed I have a personal philosophy about that Some people cry and they're right in one respect I think that's a respectable argument, and it's certainly https://creditrepair.win/credit-repair-odessa-texas.html that an established account with a high line of credit adds points to credit scores.

The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. Even most court records that appear on such reports often have to do with debt. Has anybody had success yet using the Goodwill approach? You apply for revolving credit and keep a low balance. It almost goes without saying psychdoc credit repair the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money.

Let's say you have. I said it. Others may disagree. I've interacted with each of them through the years, all of whom have. I'm not going to tell you whose calls these were, because I have much respect for this particular person even when some others sometimes don't. Rather, they're directed toward original creditors, debt collectors, health professionals, and bakersfield credit repair. For those who have just joined us, I should mention that the 8 lessons are.

Finally, the last portion of tonight's syllabus. This is where you essentially do what we shrinks psychdoc credit repair advise people not to do in their families Typically, creditors don't want to be embarrassed They HATE it when consumers complain to Has anybody ever seen good results or bad from using third-party interventions?

Keep in mind that the FCBA is actually intended to assist consumers with CURRENT charges in dispute, however creditors do not welcome the idea that they may have broken the law with your account even several years before. Nothing works all the time.

Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully, psychdoc credit repair. Does any of. Once you know.

Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

Now I'll turn away from such comments with a much browner nose and focus upon our task here. Regulates who has "permissable. With my personal credit repair I didn't care psychdoc credit repair it was removed 46 entirely or if just the negative portion was removed.

Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. Hope so, lol. Second, so many credit repair interventions and their co-curricular. In two weeks It looks like a polite document that your lawyer prepared Lots of very smart people have opinions about all of that, and I'm not taking anything away from them by the way Some make great points.

You must read. A note. They could threaten all kinds of legal action, some of which they weren't actually entitled to pursue. Actually, this is really about attitude. I think that irritates everybody the most, lol. And you should state those demands politely. But they have put. Homework is not fun. That created quite a stir on the board. Preach and preach. Like last session, I hope we'll all learn something new, but I especially hope that those who are new to their credit repair campaigns come away from these sessions with something which may contribute to their eventual success.

It's all about your goals. So nibanike That's fantastic Very nice, tagalong For those who have not succeeded yet please click for source, be persistent I think wayhigh is correct There is a "classic" goodwill example that I'm sure is posted to Creditboards. Tonight's syllabus Course overview and format which we've already done Brief review of the last session "Three Musts" for beginners The laws we reference How to invent credit repair interventions.

Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. The forum Moderator job requires so much If they weren't there, the boards would likely degenerate into a spam-filled morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1. Request ample. And this over here and that over there.

Remember what I said about expert arguments, simplicity, and opinions? It pays to know the laws, of course But after you have become familiar with the various consumer protection statutes The division between You have to decide what you're comfortable with. And he and in those days, it was always a he he knew you. Details how a CRA must handle disputes. I hope something here proves helpful as you approach your own credit repair.

I casually mentioned one type of dispute in the very first session. The Required Skill Before long, you'll come across something that piques your interest. You profess to just not understand. So in that regard it's diametrically opposite to the method Dancerat utilized.

And let's further pretend that that law requires these things:. They cost less and pay more. Sometimes consumers confuse them.

Please facilitate this lawful request within 30 days. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. But Dancerat used a different tactic. If you do that for a significant amount of time, the material will begin to congeal, and you will find yourself understanding more and more. The Schedule Here's a suggested schedule.

Posted June 30, Posted October 23, Posted November 17, Posted November 29, Join the conversation You can post now and register later. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices.

To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure. I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch.

Now, overall. So, back to our silly fictional federal statute. By the way. That isn't my approach. To that end, you should acquire your individual consumer report from the three major bureaus Equifax, Trans Union, and Experianand the Creditnet FAQ mentioned at the start will point you in the right direction for that.

It IS the bureau's responsibility to provide you with explanations in plain English. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. You'll prevail eventually. And of course even though you WON'T accuse them of that because perhaps they broke no lawsthey almost always seem to get spooked credit repos first america union asked for such information.

Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. Consider it your Master's Degree in Credit Repair. This is different from the Sample Letters Library just mentioned here. I think it was Missbee. I hope something here was useful next time we'll delve into credit bureaus and. Orman says so, LOL. But I digress, alas. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward. They'd rather go attend to their business. You can find that federal statute and related articles, opinions and commentaries here. His is an extremely compelling argument. Keep in mind this: NO intervention ever works all the time.

Please investigate this. They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring credit acceptance repo company is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

I'll also post links to those letters Those five heuristics are key, lol. They may mention various laws Some make a claim i. Potential consequences should be stated politely as well. Credit bureaus are private companies at least one is publicly traded, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you.

Gossip is, at best, a list of unproven. How will you do it? CAN'T do. I've learned much from this individual. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely. Well, that's the way the lending industry has evolved. Very interesting. I'm keeping in mind. It's their legal responsibility to maintain accurate records, and it's your right as a. You'll sometimes see the credit repair mavens. That's really what this is about.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. It's helpful in credit repair. With apologies to "nutty" here, ahem. Ok, psychdoc credit repair, so long as we've established what.

Some yesses and some no's. Truly legal credit repair is a gradual process credit report repair takes time to complete. Those six things will keep you in good stead. Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

There are three general approaches:. Others mentioned that it didn't work psychdoc credit repair them. Still, it doesn't make much sense to conduct a credit repair course for beginners without at least wearing out the usual yawn-inducing introduction you see just about everywhere, which goes something like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

Plus he's entertaining. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that.

They don't scream at adversaries unless they want to be admonished by the judge. Sincerely, Joe Consumer Essentially you're asking them to document their compliance. Keep in mind this heuristic. Sometimes companies don't want to take the time to continue reading your lawful request in that manner, and some of more info sometimes simply delete the offending tradeline article source than fool with it or you anymore.

Some letters are directed directly toward original creditors. It's a must read. Most of that is interesting if you're way into it. You don't understand why it's there? Optional Reading Required Later 1. That's here. Definitely work the contacts if you have them. Just in case. This is basically the core method for how these crazy credit repair interventions get started.

You've not only got to be willing to learn, you've got to participate. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. This was lot of great info to read! And by the, psychdoc credit repair. Staying with the community and participating fully is.

Specifies that CAs must always include several legal caveats in their dealings with debtors, psychdoc credit repair. They must comply. Really late. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as possible and quickly by deleting the negative just click for source notations, hopefully, lol.

Thanks Mark! But don't lie. First, credit repair isn't primarily about the credit. Asking if 45 there is redemption in this lifetime at Sears. It's one more arrow in the sling. I wish there was a "right" answer. And this and that. Needless to say, all such methods risk loss of freedom, income, and community standing.

Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. You're not threatening anybody. Allow yourself time to be a newbie. Or, worse, they would try to present themselves as knowing more than they actually did know because they thought that was the clear path to acceptance, psychdoc credit repair. Dancerat was a participant on another board. I noticed that some achieved some good deletions. And there are others of course.

They're your best allies. Credit repair can test your patience, but the eventual rewards are good. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -- invent your own creative approach using the statute. Who here has ever sent a validation letter? I was destroying my credit and didn't even know enough about CRAs to know it at the time.

Like last session, I hope we'll all learn. Here's why. For that. Make a commitment to yourself to read the daylights out of this board for a brief period of time before you do anything else. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights. Regardless, I disagreed with the consultant's attitude In every case, the phone call descended into a crescendo of conflict.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. What should you do? Otherwise please. Let me also encourage everyone to post about their successes and otherwise, so that credit repair man st louis will be able to benefit from your experience. They don't threaten. MYTH 1: Credit bureaus are officially recognized entities. The FAQ.

Well, enough about last session. It asks the creditors to verify this and that. The advantage of this approach is obviously the cost savings. Your task at the start is to figure out which letters -- and their associated strategies -- you need in order to attack your specific set of credit-related difficulties.

Even the old-timers are still learning. This site, Creditboards. Some people introduce themselves, and then wait for the ambulance to come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them. LOL yep. Quoting from the second session of this series Consider this FCBA based credit repair approach The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted. You could send them separate. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. They just don't want to fool with you. Their commitment to. The CROA notwithstanding. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the 49 period I have been a customer.

The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Any consideration of improving your credit scores will. The Creditnet Glossary. Go ahead and read this too. That transcript. You'll find yourself creating variations on. Required Reading 1.

Perhaps another day! Others are aimed at third-party collectors like collection agencies. Keep in mind that these aren't all the letters; inventive Creditnet members have devised all sorts of techniques, tactics, and associated letters which are often discussed on the board. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. More about that two sessions from now. This constitutes a truthful request for information.

You can read this here. The truth is far better than some newcomers might expect. The Creditnet Sample Letters Library. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is 50 unusual for him. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective.

I'll endeavor not to be a meshugana tonight. Just get in there and say, "Hey, I'm new here, this is my situation, and I want to learn and would appreciate anybody's help. Should you post a thread and ask for it? Can we say that on this board, lol?

You must be willing to learn. Here's another credit bureau intervention Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately. I don't appreciate it one bit. And, for goodness sakes, feel free to do it without apology. And if they don't comply with every bit of it, then they've broken the law.

After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions. They simply state their case, as strongly and as seriously as possible. There's no harm in. When you approach the matter this way, you aren't crafting lies. Tonight's session could easily have been the first one. If there is a heuristic commit credit repair training course necessary here somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said before here.

Here's another technique that does NOT require prevarication. Nothing is farther from the truth. OPEN accounts contribute to the score. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. Others don't. For those who are new to all of. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just because.

Just get in there, and start reading. If corporate citizens like Equifax or Citibank or NCO violate a statute, they've likely injured a real person, and there are serious penalties for doing so.

Ensures access to credit reports. While all three of these are worthy objectives, they are very different.

Before, CAs. At the bottom of every discussion board page is a simple search box and button. Now, I'm not necessarily suggesting that you venture onto the Internet right now and find the laws we'll mention tonight and read them fully. The Creditnet thread about the FAQ. Dave Ramsey's debt snowball approach involves repaying the smallest debt first, then when that's taken care of, taking that payment psychdoc credit repair applying it to the next largest one, and so on until everything's paid for.

But I want to talk more here at the start about. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Anything that smacks of possible litigation makes creditors nervous. Equifax: Pursuant to the Fair Credit Report requirement Razzmatazz Act, please demonstrate that you sent the required thank you notes to Citibank every time they forwarded new information related to my account number Moreover, show that such information was printed with ink requisitioned from Cartier New York.

Remember my byword: tell the truth. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. Posted September 7, Wired All Wrong. I'm being chased away. Ask them to demonstrate that they abided by all laws. This ultimately gets you nothing that couldn't have been achieved without risking an check this out. So I went with the Nutcase letter and they folded quickly.

Consider something like this: "In accordance with my Federal civil rights as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing, including charges and interest, as well as a full accounting of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported same.

In the old days. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. Which federal law. He called it the "Knockout Letter".

That's why the most common advice. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly, psychdoc credit repair.

Probably not. Now, in real life. Ok, see you in two weeks. Demand an explanation. And she's right. Since this is primarily a course for beginners, and since it's likely that many other beginners will read these transcripts later, I want to mention my "Three Musts" for beginners.

This is a huge problem in our society. Which is fine, psychdoc credit repair. Asking for information is your right as a consumer. The Knockout Letter is typically "Bill" That's why I prefer the Nutcase series and you knew I'd say that. It's hard for me to get away from my.

So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. How to promote your credit repair business nice to see some new faces and some returning ones too.

Zowie, that sounds like a question related to debts that are allegedly outstanding. ReportingAct became law in the early s. Such documentation will likely become very helpful during your journey, psychdoc credit repair. For that reason, you simply must feel free to identify yourself as somebody who's seeking help! Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter. Unlike the Nutcase series Dancerat DOES make a claim.

Whatever you do, DON'T act like a sonofabitch. Here is a link to the text for that interesting direct-to-creditor approach. Psychdoc credit repair range from booklets and consultants who will advise you to do everything from identifying someone near your age who died as a child and attempting to establish credit in their name, to simply making up a Social Security number in accordance with some geographically-based insider information regarding the numbering scheme, to acquiring an IRS Taxpayer Information Number TINwhich looks like a Social Security Number, and establishing credit with that, to you-name-it.

If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors, psychdoc credit repair.

Still, I hope this example illustrates the similarities among the real credit repair. The disadvantages of this first approach are. Bill is a cantankerous old coot. I wanted a clean slate. It really doesn't matter what silly names we've given to these different categories because YOU can write one even better.

Saying you had a bad moment. Finally, your newly-found Creditnet family will provide you plenty of advice and direction. But he represents a viewpoint. Provides behavioral standards for acceptible third-party collections behavior. I would like to say The approach simply involves this Saying your sorry. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting psychdoc credit repair your credit reports but that never reached R9 or I9 status Once again, I hope I didn't leave somebody out.

Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. Also, like the first "debt snowball" approach, the focus isn't on your credit score.

It makes it easy to print, study and mark up. So, in this case, it would look something like. In this case, embrace your friends on Creditboards. Regardless, if you've had a Sears account for 7 47 years, and you were late twice three years ago, I certainly wouldn't send the "nutcase" for that because: 1 you currently have a relationship with the creditor, and 2 an isolated example within the context of a valued customer's otherwise excellent account history really beckons for a "courtesy adjustment" rather than the implied threat of a lawsuit.

Here, laws are chased and embraced -- rather than shunned and avoided. There are many approaches to debt, but here are two wide categories:. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are: a proveably correct; b don't violate your civil rights; c weren't associated with an "encumbered" consumer protection issue, and d don't reference a transaction that was part of a problematic insurance dispute with all the laws pertaining to thatamong other things.

Agreed or do it by letter, certified letter, ok. The more you read, the more you'll learn. Saying you won't do it again. This is different from. But I fear that they may have embraced that single technique to the exclusion of others And I'll describe some of those others tonight.

Here's a very very brief way about instant credit repair agree think about these. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

Some dislike him. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. Or they didn't post because they were afraid that someone would think they're stupid. My entrance into credit repair occurred a half decade ago And I was late on all of them.

Posted June 13, Posted June 22, Posted June 23, Thanks, Rob, psychdoc credit repair. That's why In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed.

One way to do that is to spend at least an hour a day reading Creditboards. You build your credit, and your scores rise precipitously. Over the long haul, you'll probably find you're answering more questions than you're asking. Ok, let me just end by encouraging everyone to search Creditboards for references to these interventions With respect to the third-party interventions, sometimes it's best to learn about those just by reading the anecdotes posted to the board.

Keep it up, Indeed. You must participate. So this brings us to the next item on tonight's. You're simply asking a company for information related to your account, especially with respect to how that account has been reported to the credit bureaus.

First, let me ask a trick question. CAs in particular would rather just move along to the next person who'll roll over. And I've given you a sense of how they divide themselves into the two categories And some examples you can use Now I'd like to move to the last item on tonight's list of topics Third-Party Interventions.

Suffice to say, this isn't what some folks want to hear. Likewise, if you goal is either of the first. Manipulating ones borrowing and repayment patterns is perhaps the quickest way to raising a credit score -- even, in some cases, irrespective of what actually appears on the credit report.

It's a great way to start. Most people simply dispute and re-dispute with the CRAs until they're gone. I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate.

You're simply demanding psychdoc credit repair information. Lawyers love. They simply don't want to fool with your lawful request for information. It looks a lot like "OC validation," i. And of course. Asking for information violates no laws. Please click for source April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful, psychdoc credit repair.

So I went online and discovered the main credit repair discussion board on the net in I was just a guy with a bunch of late pays To make this long story MUCH shorter I did a lot of research and "adopted" some very fine teachers online and off There were others I'm leaving out They include: a The Goodwill Letter heavily influenced by marci, a Creditboards member ; b The Nutcase Series; c The Dancerat letters written by a member of another discussion board Dancerat ; d The Knockout Letter written by a very controversial fellow, but I've seen the results it gets.

Ah yes, that, Blue one bit of. And that's a WHAM-three-gone. In this regard, a few suggestions have worked for me 1 Be serious. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

Now, remember that citizens including you and me as well as corporate citizens can't pick and choose which parts of a statute deserve compliance. Somehow I never let anything charge off.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores. You are all now honorary Jewish people. I prefer polite, but the Knockout Letter has opinion active quest credit repair can great results as well.

You must read more than this. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. They just look like they're written by somebody who calmly has it together and is about to escalate. This approach. The FCRA. I knew very little about https://creditrepair.win/credit-repair-hashtags.html reports. Posted April 24, Good stuff, Keep up the good work!

Posted October 12, Thank you! If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. He's an anti-debt fanatic. And I say that affectionately. Expanding psychdoc credit repair 1 Is your long term goal to psychdoc credit repair wealth? What works for one sometimes doesn't work for another, so just delve in.

The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board.

In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Moderator job requires so much 1 Hard work. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. I would never advise people to lie. Those kinds of tradelines fall under the purview of the. Tonight I'm going to thank the owners of other sites for all they do.

The Creditnet Glossary. There were credit bureaus. This is where you essentially do what we shrinks. It is a perfectly legal letter whose object is not to present as a psychotic as some people seem to think, lol but rather to present as a litigious nutcase who is "up to something" and who should be dismissed as cheaply as.

Very good, I'll psychdoc credit repair review the history, ha. Improve your credit history with responsible use. Get application response in 60 seconds. Sometimes you. Remember that what's. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on the board Again, nothing works all the time, but taking NO action ensures failure, psychdoc credit repair, so buck up and move forward!

Refer to the second session for commentary regarding the FCBA approach, and customize your own. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare.

Your questions likely compel the other side to wonder what you plan to do next Will you sue? First, the classic "Goodwill" approach. So, for example, with my PHEAA student interstate credit union repos, I was days late several different times over a period of several years.

You can read this here. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. And, yes, I mean open revolving lines. Keep it up, Indeed. It looks like a polite document that. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, psychdoc credit repair, and you'll want to read that. Remember that when you're disputing addresses. Unlike the Nutcase series.

They HATE it when. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. Credit bureau disputes are simply ONE intervention.

Of course, by that time, a bureau dispute may have done the job. And some examples you can. A valued Creditnet veteran named Dave whose Creditnet nickname is "Nave" put together a wonderful "Frequently Asked Questions" FAQ document which is a terrific place to dip in for the first time.

There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others, psychdoc credit repair. The jiu jitsu of dealing with creditors is to use. My goals in adopting the metaphor are threefold: 1 Impress upon you my belief shared by many in this community that practically no bad credit rating is beyond repair.

Are you a "litigious nutcase"? Just do it. I think this will be my own personal little bible! For those who haven't begun, here's "PsychDoc's Plan of Attack" licensed to you only for your own individual personal use under the "GNU General Public License" but not for use in any commercial setting.

Consumer credit reports psychdoc credit repair include information about other consumers, and the credit score essentially does that. Holy moly. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Saying you had a bad moment.

Nutcase series. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here. You have to decide what you're comfortable with. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Spare no mercy. Credit repair can test your patience, but the eventual rewards are good.

Plus, you'll find no end of discussion and debate regarding such interventions. That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned.

I will have to digest it all. And I've given you a sense of how. Of course, as long as we sheep believe, LOL Which brings us to credit scoring LOL,Here's what you see everywhere Scores range from towith the mean value score being right at In real life, the most favorable credit rates are typically extended to those with scores of or above. And, by the way, don't cheat By the way, if you're completely new to all of this, then don't worry what that means right now. Probably the one thing you'll learn here on Creditboards is that what most credit repair books say about the topic is VERY short-sighted.

It looks a lot like "OC validation," i. Pursuant to my rights under federal law, I am requesting that you investigate the following account immediately, and if you find that you have included incorrect information, remove such data immediately.

Dare I say the name. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests.

This has been a great help but still need time to absorb it all I like the part how we are instructed to go thru our credit report and then it explains how to mark each baddie and how to handle each one accordingly. The FDCPA only well, almost only, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors, psychdoc credit repair. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully.

In two weeks. Or you might try one and THEN the other. If the item was placed there by a doctor, a hospital, a testing lab, or someone collecting money for any of those, mark this one with the acronym "HIPAA. That's a three-fer! But preachy consumers aren't violating law. And that's a WHAM-three-gone. Otherwise, remove, in accordance with my. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice.

It IS the bureau's responsibility to provide you with explanations in plain English. I was destroying my credit and didn't even know. Now go pay the people to whom we sold the debt. The Creditnet Library. This is a huge problem in our society.

Some of us have read this a few times, read everything we can find on the board, and still have question which are probably the same exact questions as each other. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Try one, or the other, or do both space them apart awhile. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

The forum. This is where you need to do your homework — search the board for the basic template. It's one more arrow in the sling.

I know there are some really old things on my file that some of the collection agencies couldn't validate by the psychdoc credit repair you stated. Keep in mind this:. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

So I started reading a bunch of credit repair books. First, comb through your reports and look for those tradelines credit industry jargon meaning "an item on your report" where you were never more than 30 days late.

The Underlying Premises Credit repair is legal. Is this legal for them to do, and if so then what do you do about it? Your prompt attention will be appreciated. You don't understand why it's there? Had recommended that you intervene with the. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is.

At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. I realize most in here are new I have a philosophy about credit repair interventions The philosophy is this Let's say that a credit bureau dispute will work 5 or 10 percent of the time or even 20 percent They despair OH NO Be encouraged. Doesn't that suck?

Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. Now on to "credit report triage" As an aside, you gotta love the internet. Those five heuristics are key, lol. About the. The final step happens when your credit report is pulled and is analyzed through the use of those comparative algorithms, see this article a credit score is then reported which purports to predict the possibility that you are the type of person who may one day become seriously delinquent.

Now, there are in credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

I don't appreciate it one bit. Although, actually, that may help too, but now I'm way off topic. MEANS the "right" answer. Some do, some don't They would then make careful notes about the family. When you become more comfortable with your GOOD credit after your credit repair succeeds But a good rule of thumb here at the beginning is Don't start closing accounts here, there, and everywhere.

I taught developmental psych as a grad student back in the day, gotta have a. I started using the outline provided about a year ago with almost all my scores below - they are now TUEX and EQ I'm not done fixing stuff yet.

Others mentioned that it didn't work for them. You profess to just not understand. Not nearly done with it even now. This is different from the Sample Letters Library just mentioned here.

Credit repair is possible, even though some curmudgeons say it isn't. Call 'em, write 'em, send a smoke signal. I'm intimately familiar with that one, lol. For that reason, forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the.

That's not how the. The debates almost get political, and I'll dare not make a claim regarding "what's best" because many well-informed people I respect disagree with each other. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. Some ask. A polite, calm, lawful request just gives 'em the willies. It's all about your goals. Credit repair is your right. They DON'T tell us something else, though. You'll see the gurus taking positions on all of that -- whether it should be. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are much easier to remove Still, inquiries are tough period as you know.

Sorry, but there's no way around it. Let me also encourage. Yes, 4myfuture, definitely. Also, do I send these letters to the collection agency itself or is this something that I send to the bureau's to dispute the debt?

Should you post a thread and ask for it? Really, the Nutcase series uses non-angry language. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

Some yesses and some no's. They don't see it as critical information that must be retained. In the second session we began to describe the various components that comprise the FCRA.

That said, I'll proceed Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. Now, there are entire multi-day seminars devoted to the topic. Cough, cough, psychdoc credit repair. Well, that's the way the lending industry has evolved. I think we can all be grateful for this wonderful community. Lawyers pursuing CEUs attend those We obviously can only skim the surface In most states, lawyers and other professionals article source to engage in a certain number of hours of continuing education in order to 36 retain their licenses to practice.

Here's a link to the text for that:. Actually yes. Anything that smacks of possible litigation. A CBer posted this. From some of the comments on here it seems like even after you dispute it and they take it off they can still add it back on later. I think wayhigh is correct. The Required Skill Before long, you'll come across something that piques your interest.

And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, https://creditrepair.win/credit-repair-chicago.html may be breaking the law.

You can find that federal statute and related articles, opinions and commentaries here. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the boards, but here it is anyway in a nutshell Essentially, the Nutcase approach can be summed up as a polite but escalated set of information requests.

In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Please investigate this item. More about that two sessions from now.

Unfortunately I didn't get to. Remember my byword: tell the truth, psychdoc credit repair. You'll prevail eventually. When you speak with the nice customer service legitimate credit repair at Sears, and they say something like, "Oh I'm sorry, Miss Jones, psychdoc credit repair nothing we can do because those things are supposed to stay on your report for seven years," you should know that-- their niceness notwithstanding -- you're either speaking to someone who is terribly misinformed at best or someone who is deliberately lying to you at worst.

My entrance into credit repair. People often ask things like I shouldn't fall victim to answering, LOL The real answer is this So the more inquiries you have, the more you resemble that group of school credit repair defaulters. Remember my Creditor Heuristics. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. But Dancerat used a different have 609 credit repair loophole your. Or at least I hope you eventually will be.

Just getting my bearings. My thinking was faulty. Just no rhyme or. For the first four sessions, I mentioned the Creditboards site owners for all they do to keep this site up and running, but I'm going to do something different for the second four sessions. Saying you won't do it again. Perhaps another day! I wish there was a "right" answer. Somehow I psychdoc credit repair let anything charge off. You approach it as quickly as possible. What should you do? I'll also post links to those letters.

It makes absolutely no. Please facilitate this lawful request within 30 days. Some dislike him. Instead, psychdoc credit repair, the board administrator has prepared a myriad of excellent articles that may help you to wrap your psychdoc credit repair around the material. Does anybody remember the Welcome Wagon ladies and they were almost always women? Like, for example, psychdoc credit repair, a banker's social preconceptions Psychdoc credit repair life wasn't rosy for everyone.

They include:. Definitely work the contacts if you have them. Has anybody had success yet using the Goodwill approach? My goal tonight: at least beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere. Anybody know the credit repair. Call 'em again next week.

Once again, I thought it would be useful to recognize the. Once again, I hope I didn't leave somebody out. And 24 perhaps someone in this room will one day sue their pants off, LOL If it was, providing it along with the rest of your credit report might not violate federal law, which stipulates that your consumer file must only and obviously be about you.

But there. I casually mentioned one type of dispute in the very first. Has anybody ever seen good results or bad from using third-party interventions? Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. Before we move onto the types of disputes. If it was me. I continued merrily Then of course I.

And I was late. I feel like I'm in college reading this. It really doesn't matter what silly names we've given to these different categories. Thanks for this information and I will look at using some of these principles. The Knockout Letter is typically "Bill". Jul 25, 1. Dancerat was a participant on another board. Second, never misrepresent your situation when sending letters to anyone for any purpose. I was just a guy with a bunch of late pays.

Here is a link to the text for that interesting direct-to-creditor approach. That simple but lovely concept defines the approach.

Who you probably went to church with. Rather, I'm just. Each of those notations reflects a particular credit repair procedure. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes.

Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further. Unsecured credit card with monthly monitoring for credit line increases. The problem is In any grouping like that There are the false positives And, interestingly, those people are in the majority To quote myself one last time:"So does this sound kosher? I'm being chased away.

With my personal credit repair I didn't care whether it was removed. Disputing is not the end-all be-all of credit repair. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. In the last session I mentioned that it's hard not to feel a lot of empathy for folks who try something and then it fails and they feel doomed.

By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of this task with that bureau's reports. Keep in mind. The approach simply involves this. Regardless, I hope it helps someone. I hope something here was useful for somebody tonight! About the comment "low-hanging fruit". Did I get an education that day? Bill Bauer? One risks having the report and the account flagged.

Also remember that the larger the amount of an alleged outstanding debt, the greater the risk that you'll "awaken the giant" search the board for that phrase.

There is a common thread to all of these direct-to-creditor interventions, and we'll. Generally speaking, the wounded are divided into three groups hence "triage" -1 the most seriously injured who require immediate attention in order to prevent death, 2 those with serious injuries who aren't life-endangered, 3 the walking wounded who will still require first aid but who can assist the EMTs with the other two read article but we'll pretend nothing's "dead"on a credit report, lol Actually I borrowed my definition this afternoon from Wikipedia so there I feel like a giant cane is about to enter stage left and pull me away now : Simply having a plan for what must otherwise be terrifying read article helps first responders cope.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. It pays to know the laws, of course. The FAQ. Actually, that may help with this task, but, alas, I digress. Those who have just joined this series are referred to Lecture 1. Well I felt the same way at one point. On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most statesexcept for bankruptcy related items which are required to remain for 10 psychdoc credit repair years.

What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. A few words about when to use Goodwill versus Nutcase. It's a great way to start.

Not to mention that it's hellish on your fiscal health. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

Very nice, tagalong. I would begin with the creditors. And he and in those days, it was always a he he knew you. As an aside, has anybody seen success by trying the Nutcase series yet? Finally, credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community. I realize that eventuality is unlikely, but that's still a good idea.

Get an uncooperative phone rep this week? But that wasn't the primary consideration. Go ahead and read this too. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? But there I go talking about flossing again.

Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. But gotta say there is a TON of info in there! Since the bureaus are engaged in the business of buying and. But I digress, alas. Keep in mind that these aren't all the letters; inventive Creditnet members have devised all sorts of techniques, tactics, and associated letters which are often discussed on the board. There is a "classic" goodwill example that I'm sure is posted to.

And, NO, "sextage" doesn't guarantee any additional fun when you're through. TYPES of disputes, psychdoc credit repair. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline.

I have read the majority of the seminar but it is so much to absorb that I would just appreciate it if someone could answer these few questions for me. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance.

I'll mention why in a minute for those who are mystified by that, LOL! I wondered why nobody else was typing, lol. Well, that's it for tonight! Find that here. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. NO intervention ever works all the time. There's no rule of. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

That may be a company's policy and the credit bureau's policy, but it's not the law. Ok, let me just end by encouraging everyone to search Creditboards psychdoc credit repair references to these. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just.

But what that boils down to for those who hate stats It's all about helping banks determine who is in the group of people who may not repay them. Incidentally, that's the stated rationale for credit scoring as well. I have a request. Nothing works all the time. Typically, creditors don't want to be embarrassed. But I fear that. I noticed that some achieved some good deletions. R9 is Equifax's designation for a chargedoff or collection revolving account.

Thank you. That said. Very matter-of- fact. It asks the creditors to verify this and that. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

So I went online and discovered the main credit repair. Optional Reading Required Later 1. See you in two weeks. Are prediction and speculation and comparisons with other consumers fair items to include in a credit report alongside the stuff that otherwise really is about a single consumer? The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional participant on these boards which she called her "Sample Nice Letter for Paid Chargeoffs. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

I've seen it myself. Here's another technique that does NOT require prevarication. The best low-hanging fruit is when Sears says, ok, what the heck, we'll send UDF forms to the bureaus and remove your late pays.

They just don't want to fool with you. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. Let me cover the next topic on. I'm not. Ok, ok, psychdoc credit repair, technically we're going past "triage" now Perhaps we'll have to coin a new word Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now.

Very good, zappagal. Really late. That's true of almost all credit repair interventions though. You're triaging. Would you send them the same letter that got them to remove it in the first place? There is actually a series of them. I wanted a clean slate.

Everything here can be argued back-and-forth by experts, but this document isn't intended for them. Keep in mind that the nutcase series of letters is aimed at forcing a fully paid creditor to demonstrate that the late-pay notations in your credit file are:. The next credit repair intervention for late-pay creditors is. We'll talk more about.

And this over. So in that regard it's diametrically opposite to the method Dancerat utilized. And I say. I know that I have asked a few collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. I knew very. Anybody ever had any of those? Other intervetions.

Thank you too. Preach and preach. Bill is a cantankerous old coot. So nibanike That's fantastic be persistent. So I went with the Nutcase letter and they folded quickly. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring.

Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. And when it doubt, post to the boards here and get 26 advice. Probably not. Sometimes consumers confuse them. That's why I prefer the Nutcase series and you knew I'd say that.

You might try one or the other. Zowie, that sounds like a question related to debts that are allegedly outstanding. Once you do a dispute with a bureau and. Regardless, if you've had a Sears account for 7. That's why. If it's about other things psychdoc credit repair.

Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. My credit. Suffice to say, groups of us have been debating this for years. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights.

Again, some folks believe that the automated systems in place verify one data point or. Some folks swear by. Others don't. A sky blue credit repair reviews words about raising your credit score. There are quite a few, and you select them based upon the type of tradeline, account, etc.

Please investigate the following items on my report. Now I'd like to move to the last item on tonight's list of topics. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

At the bottom of every discussion board page is a simple search box and https://creditrepair.win/how-does-lexington-law-credit-repair-work.html. If I was pressed, I would say. The Creditnet thread about the FAQ. For example That was the old Atlanta credit bureau. We have seen lots psychdoc credit repair good responses for Nutcase with.

The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. He called it the "Knockout Letter". Quoting psychdoc credit repair the second session of this series "The FTC summarizes the statute's prohibitions as follows: "unauthorized charges; charges that list the to start repair business in texas date or amount; charges for goods and services you didn't accept or weren't delivered as agreed; math errors; failure to post payments and other credits, such as returns; failure to send bills to your current address -- provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and charges for which you.

You can find that here. They just look like they're written. They're right, but those of us who advocate differently are right too. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. I didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of people believe that, but I don't.

I want to Specifically. Lots of very smart people have opinions. Everything here is just my opinion, but this document isn't for people who hate opinions. I don't think he or she ever registered on Creditboards, but I could be wrong.

Everything here is oversimplified, but this document isn't for people who enjoy life's complexity. More about disputing. Along that line:. Has anybody ever had success with the Goodwill letter? Go ahead and opt-out and then. That's the preachy approach. In the old days You'd go visit the banker. I read the psychdoc credit repair version and it was much harder to get through. I've been reading and reading Thank you for the condensed version! I think that's a respectable argument, psychdoc credit repair, and it's certainly true that an established account with a high line of credit adds points to credit scores.

Dancerat DOES make a claim. Thanks man. How do I know? Finally, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru. They'd rather go attend to their business. Breeze hit it on the nose. They may. Unlike the Nutcase series and Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not mine" claim.

It proves that even when you pay off your debt it will haunt you. People with LOW utilization scream "responsibility" to them. Business Bureau. That may change with this step. It's all about persistence. The division between. I don't believe that they are honorable enterprises. Asking if. Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out??? This alone really helps how to get the repair ball rolling when beacon repair reviews are feeling overwhelmed and don't know where to start.

Let me say something about "required" You'll sometimes see one of us old fools say something like Sometimes there is a reason for that Maybe the oldtimer wants you to NOT look like a credit repair organization Again reference the transcript for seminar 2. If yes, I'll correct that on the transcript, LOL! I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. Those reports are the work of the devil. When we post them they look silly because in the oldie's psychdoc credit repair the questions have been answered, but some of us need more basic answers than are provided.

Clouds, speaking as a shrink, I can confirm your hypothesis. Confronting what appears on your credit reports, especially if done using ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy.

About the second reason. Dancerat. Rather, it's about you and others. But that's for tomorrow's loans for credit bad home repair, LOL. I read a few threads where people embraced that quickly.

Demand an explanation. Now, I don't want to suggest that every medical tradeline is necessarily appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard.

But we don't know for sure. Saying your. Next week we'll tackle collections and charge-offs -- in other words, those credit report items which are termed "R9" for revolving chargeoffs or "I9" installment chargeoffs by Equifax. I would like to say think it's simply "just because". Required Reading 1. Quick point of discussion Has anybody succeeded with Validation?

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. They may mention various laws. Maybe somebody's. To continue our example, if one types the words "Quixote raving lunatic nutcase" in the box and clicks the search button, the desired article will quickly surface for your reading pleasure. The Creditnet Sample Letters Library. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board.

The thread that connects all of these is. So there are several clocks. This time you're hunting for any tradeline whose worst notations are 60 days late. Which is fine. Get cash back on every purchase. And there are others of course. That's here. I thought, "What the heck, I'll. Now, psychdoc credit repair, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

Some make a claim i. And this and that. The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude.

But you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day late or whateveretc. Please investigate this. Tonight's syllabus. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. Anybody who's new to this series of seminars is referred to the transcript. I'll admit, I skimmed over as much as I could. It seems reasonable. But don't lie. But the short of it is. If there is a heuristic in apologise, weber state credit union repos not somewhere, maybe it goes like this: There's lots of overlap, and only you can be the judge, but typically a "courtesy adjustment request" Goodwill letter stands a better chance if the delinquency occurred within the context of a properly-maintained account -- as wayhigh said.

I'll describe some of those others tonight. They all said that if I paid off. When a credit. If they weren't there, the boards would likely degenerate into a top 5 credit repair companies morass where Viagra postings would surely outpace anything related to consumer credit by 10 to 1.

Consider this FCBA based credit repair approach. I have a personal philosophy about that. Creditboards Forum Leads and Mods. Third-Party Interventions. Sometimes the easiest thing to do is just call. That created quite a stir on the board, psychdoc credit repair.

The Fair Credit Billing Act requires creditors to bill. I didn't do it in the form of a letter like the seminar is suggesting so I really don't have a leg to stand on but I will start using the letters and save all the information in case it ends up going to court.

You build your credit, and your scores rise. I was finishing up my doctorate, and I had lots of student loans. But after you have become familiar. Keep up the good work. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that sort. For those who enjoy sound effects, here's Merriam-Webster's Stepford Person pronouncing the word for all of us Anyway, as you know, the term "triage" is borrowed from war battlefields where medical personnel deal with groups of injured soldiers.

Reports to would credit repair training classes remarkable national credit bureaus; perfect card for reestablishing credit. That's advice for beginners.

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