Credit « free 3 credit report

September 12, 2010

I have a question about a pay for delete letter?

Filed under: Credit — Tags: Credit Bureau, Credit Companies, Credit Report, Creditor, Debts, Delete, Letter Samples, Reply — admin @ 4:45 pm

Corporate Mom asked:

I want to clean up my credit report and I got the free copy this year from the 3 big credit companies. I have already disputed several things on it, and got the reply that the debts were indeed mine, which I knew they were. The only pay for delete letter samples I can find are for sending before you dispute the items on the report. Since I’ve already disputed can I still send one and where can I find a sample of what to write? Also who do I send it to the original creditor or the credit bureau?

Clinton

Comments (3)

September 6, 2010

How long does Truecredit take for disputed item to be updated?

Filed under: Credit — Tags: 3 Things, Credit Report, Transunion — admin @ 1:16 pm

littlemaltese asked:

on your credit report? I disputed 3 things from Transunion and I got a notice they were deleted and recieved my free copy of my credit report online with them. I am also a member of Truecredit.com and its not updated on their website yet…..How long does it usually take???

Gabriel

Comments (4)

August 13, 2010

Will this change my Credit score?

Filed under: Credit — Tags: Car Payment, Credit Card Balances, Credit Card Number, Credit Score, Creit Report, Mortgage, Number Thanks, Overdue Accounts, Thanks A Bunch — admin @ 3:21 pm

Lex asked:

I just paid off an overdue bank payment (of 3 yrs) it was only 300.00. I have no overdue accounts, all my bills are paid on time, I do have a mortgage, and car payment but do not have any credit card balances. Will my credit score go up right away? Also is there a way to get a fast creit report for free w/out giving your credit card number?

Thanks a bunch!

Harold

Comments (5)

July 26, 2010

Where would I send a paid in full letter from a debtor?

Filed under: Credit — Tags: Addresses, Collections Agency, Credit Bureaus, Debtor, Eqifax, Free Credit Report, Last Question, Long Time, Obtaining Credit Reports, People, Phone Numbers, Po Box Address, Rant, Secret Address, Straight Answer — admin @ 7:24 am

tarot_princess86 asked:

Alright, I had an account in collections for a really long time. When I started paying it down the collector told me that once it was all paid off that I should send copies of the paid in full letter to the 3 main credit bureaus (transunion, eqifax and experian). However, she did not provide me with the addresses I needed. So I have been circling the internet for hours and hours trying to find these addresses and phone numbers. I found addresses and phone numbers for all three, but these addresses and lines are for obtaining credit reports. My questions are:

Q: If I send my paid in full letters to the main addresses listed, then will someone there know what to do with it, or throw it away because I was supposed to send it to some other (super-secret) address

Q: is it even necessary to send the paid in full letters to the credit bureaus? Because one would think that a collections agency would send that info off in their special way as soon as a debt is settled. ALSO, if it were necessary, you would think that there would either be a designated 1-800 number with PEOPLE to answer questions, a designated PO box address listed somewhere on the internet used for people who need a little more service than a free credit report, or a straight answer about any of these issues somewhere.

Sorry, that last question kind of turned into a rant….

If anyone can help me that would fabulous, and worth 10 points!

Colleen

Comments (2)

July 17, 2010

Will I get 16K car loan with credit score 610 ?

Filed under: Credit — Tags: 3 Years, Car Credit, Car Load, Car Loan, Credit Cards, Credit Report, Credit Score, Delinquencies, Personal Loan, Yearly Income — admin @ 5:48 pm

Robert S asked:

I am wondering if its worth to apply for a car loan with my credit score of 610.
I need financing in amount of 16,000 USD
I have 3 credit cards with 90 percent of balances on them
I also have personal loan of 5000 USD
I make 56K a year
Within last 3 years I am always on time with my bills and have no issues
I had some delinquencies 4 yrs ago and they r still on my credit report. They r all paid in full though and are 4 yrs old.

Also if you think I might qualify for 16K car load, please feel free to suggest the lender.

Thank you
my total debt now is 8000 USD
my yearly income is 56 000 USD

Gilbert

Comments (6)

July 8, 2010

credit score?

Filed under: Credit — Tags: Credit Report, Credit Score — admin @ 4:48 pm

chefyooper3 asked:

Does anyone know where i can get my credit report done for free. All the places online say free but then you have to cancel theeir service before 3 days and it is never easy to cancel.

Willie

Comments (10)

CREDIT SCORE BOOST, FREE. SURVEY?

Filed under: Credit — Tags: 2 Friends, Bk, Credit Reports, Credit Score, Credit Scores, Dealing With Creditors, Ebook, Free Survey, Typical Results — admin @ 10:07 am

Pixelated Inc. asked:

Ive discovered a way and technique of boosting credit scores, cleaning reports, dealing with creditors, and getting approved for new credit. It worked for myself and 2 friends of mine. Her score went from 567 to 638 in 1 months time, on 1 bureau. Im 3 for 3 on results. Typical results start happening just over 1 month, with major increase in 5-6 months, with MAX in about a year. Im thinking of writing a short and simple eBook or website explaining what I’ve done that works. It would be about 5 pages with about 5 phases of what you need to do. What to do, how to do it, and sources of easy NEW credit. And best of all, you dont have to wait until the end to get the new credit. Even cleaning up BK records.

Im surveying only. Do you think it would sell at $20-30 each/membership? Which price or more?
Thanks.

Kathryn

Comments (1)

July 3, 2010

Am I taking a chance on possible identity theft?

Filed under: Credit — Tags: Credit Bureaus, Crimes, Free Credit Report, Identity Theft, Ins, Neighborhood Newsletter, Neighborhood Watch, Social Security, Social Security Card, Taking A Chance, Truckload — admin @ 7:05 am

Caroline S asked:

In Laws asked when visiting us for copy of our daughter’s social security card a couple of years ago b/c they were setting up a 529 college fund for her. I gave them the copy, but now I’ve found out that they never lock the door to their house. The live in a rural, remote, sparsely populated area (town of about 300 people), but they live in a neighborhood that has house break ins ( I read this in their neighborhood newsletter which is available online…it reports among other things, crimes in the area, kind of like a neighborhood watch)….fortunately they have never had a house break in (yet?!)…would you be concerned? Daughter is only 2, and I can’t get free credit report without sending a truckload (which is good) of identification papers to the 3 credit bureaus….I thought of asking for the copy of her card back, but it’s been 2 years and they would probably be offended if I asked for it back…..anyway, is this cause for concern?

Bertha

Comments (3)

June 27, 2010

i settled a debt with a collection agency but i think they are a scam now what should i do?

Filed under: Credit — Tags: America Representative, Bank Of America, Boa, Crd, Credit Bureau, Credit Debt, Credit Report Com, Debt Collection, Experian Credit Report, Free Credit Report, Free Credit Report Com, Mar C, Proof, Reciept, Transaction Number — admin @ 11:09 pm

VBPRODIGYest.89 asked:

my bank of america credit crd debt was sent to the er solutions collection agency and the bank of america Representative gave me the number to call the agancy. i called, we agreed by phone to a settlement of $587(on a $820 balance). i paid the settlment directly to the bank of america branch. i called back the collectiion agency and gave the representative the transaction number on my reciept. she said everything was fine now . she also told em to go to free credit report.com and get specifically a experian credit report ,which i did and then she asked for my address to which she would send a letter to me .. that i would have to send to the credit bureau.i dont quite remeber what it was for. it hasnt been sent .. and ive called back 3 times n the same lady always says im so sry and ask to verify my adress and she will send another one.i paid the settlement on april 15th it is now june. i dont kno what to do ? any ideas or advice? im pretty sure im being scammed but i dont know how to fix it. i stil have the reciept from bank of america as proof that i gave them the settlement. i dont kno if that will help me though

thanks mar c .i will defintely call BOA tonight..but.. im still scared that maybe BOA doesnt know of the settlment amount.what if they dont know and they dont know it was for my account. because it was charged off(as stated inmy credit report)..What if they still want me to pay the balance? how will i kno? i havent recived any BOA statements. i just want to be sure everything is fine….And should i be concerned about not recieving that letter from ER solutions?

Stacy

Comments (4)

June 23, 2010

How do I dispute the fact that i never used cell phones sent to me, and want it to be removed from my report?

Filed under: Credit — Tags: Att, Cell Phones, Cingular Phones, Credit Report, Deliquency, Free Cell Phone — admin @ 2:10 pm

Jiccah asked:

I had signed up for 2 free cell phone from Cingular. When the phones finally arrived I was away at college. ATT billed me for 3 months while i was away and now my credit report shows a deliquency.

Timothy

Comments (3)

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