My credit score is about 657 I want to raise to 700 and higher, any way I can get my credit report fix and how do i do that?
You need to make sure that you pay all of your bills on time every month. Next, if you have credit cards, you need to make sure that the most that you are using of your available credit is less than 20%. Check your credit report for any inaccuracies and get them fixed.
I didn’t recieve the bill in the mail due to moving so I was late. It did go on my credit report and when I seen it I paid it off immediately. Is there any way to get this off my credit report? I tried to get a vehicle and I couldn’t get it. The loan people told me because I was late on this bill it made my score go down 50 or 60 points.
Thanks!
One late payment would not cause this problem, you need to discover just what did !
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Good luck!
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My wife was ill for a long and we fell behind on some payments. She finally succumbed to the cancer. So know I am left to pick up the pieces. Any help would be appreciated
Yes these guys do a great job Money back guarantee.
?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com
my husband has 3 negative marks on his credit report, we tried to get in touch with the creditors and after what seemed like hours on hold, we finally got in touch, exchanged information and they said they would send over the bill, we’re still waiting and nothing has arrived so far. How do we fix our credit if the creditors won’t work with us? Is there a central agency or something where we can just pay off the debts and remove the bad marks off the report?
1. Never talk to a collection agency and/or creditor by phone. Only
in writing. Send them a validation letter if its a collection agency.
If its the original creditor, then maybe a pay for delete letter.
2. How old are these debts? If they are old, most likely the original
creditor has written these off or sold them to a collection agency.
3. Paying these old debts will actually hurt your credit, since it resets
the date of last activity.
4. You can do a simple dispute online as "No knowledge of account".
You will find that they will delete many times because its so old
the original creditor wont waste the time verifying it.
5. Fixing your credit is easy but time consuming. Visit the website
below. Its provides all the information you need to know to
repair your credit.
i need to send a letter to equifax and transunion, stating that one collection i have is not mine but my moms.
?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.hotusa.org
I did too! I have worked with two credit repair companies. First with Lexington Law, and let me tell you, they were terrible. They charge you a monthly fee, so they take their sweet time. I finally got fed up and canceled.
A friend referred me to another company, Unified Credit Services – http://www.unifiedcreditservices.com – and they were great. Their work is legit and they get it done quickly. I wouldn’t recommend any other company.
I decided to check out my credit report via annualcreditreport.com because I haven’t checked my report out in a couple of years. I took a look at Experian and saw "AT T"(I’m assuming it’s AT&T) sent a $200 fee to collections in July, The only problem is that I’ve never had an account with AT&T. I then see that under my information there is an address and phone number listed that isn’t mine.
I look up my name with the zip code from the report on www.whitepages.com and find someone with my exact name, including middle initial, living about 3 miles from the mystery address listed on my report, it isn’t the exact same phone number or address though.
I disputed the phone number but when I tried to dispute the address online it wouldn’t allow me. Should I call up the collection agency at all? Should I just send in the required paper work disputing the address, phone number, and collection item and hope that they fix it? It seems like someone just mixed up our names, but who knows
First, dispute the AT&T collection and the other erroneous information with Experian. Within 45 days the will respond. Hopefully, this will clear it all up.
However, if it doesn’t you should contact (certified mail, return receipt requested) the collection agent and demand he provide proof this debt is yours.
This sounds like a collection agency bought up some real old debt and did some skip tracing to find a similar name. They put it on your credit report and just wait till you are trying to buy a house or something and need the negative gone. Most folks pay rather than fight it out to get it removed.
I need to fix my credit score. My husband was very sick and we fell behind in payments. He died so I also lost his income. My credit report is a mess. I need to get some credit fast.
I am so very sorry for your loss. My family was in a similar situation. We found this website for a credit repair company. http://www.fixcreditwiz.com/contact.html They were very helpful and will give you your money back if you are not happy with the results. Our scores went up over 200 points. It took around 9 months but it was worth it. I highly recommend them to my friends and family. Good luck and again so sorry for your situation.
