Psychdoc Credit Repair

Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. Again reference the transcript for seminar 2. That may be a company's policy and the credit bureau's policy, but it's not the law. The Schedule Here's a suggested schedule. Thank you too. By the way, does anybody here ever listen to Dave Ramsey?

Incidentally, that's the stated rationale for credit scoring as well. 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.

This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn.

Spare no mercy. Allow yourself time to be a newbie. Generally speaking, the wounded are divided into three groups hence "triage" -- 1 the most for how do i repair my credit file all 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, psychdoc credit repair, 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 circumstances helps first responders cope.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. CAN'T do. Again, I would advise that psychdoc credit repair spend some time a few hours reading about validation before you fire these off.

It was a nice break from the abusive past. They despair. 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.

Who you probably went to church. Keep a set of "clean" originals in a file somewhere, though, psychdoc credit repair, just in case you ever need them as evidence in a court proceeding. It is unfortunate, then, that these unofficial psychdoc credit repair reports sometimes impact our lives far more than most any official document which exists.

I fondly remember the beginning when I knew nothing. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are.

Credit Forum. Some do. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. Nobody crowned these companies with an. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

Similarly two other large regional. Should you post a thread and ask for it? Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions. 10 companies top credit repair she's right. 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, so buck up and move forward!

There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation. 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. He's an anti-debt fanatic. R9 is Equifax's designation for a chargedoff or collection revolving account.

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. Well I felt the same way at one point. 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.

You're triaging. 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 https://creditrepair.icu/repair-my-credit.html 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 what must otherwise be terrifying circumstances helps first responders cope.

Just enjoy your newbie stage. And what's gossip? And on and on and on. Actually, psychdoc credit repair, that may help with this task, but, alas, I digress. MYTH 1: Credit bureaus are officially recognized entities. Now go pay the people to whom we sold the. Probably not. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original.

When you speak with the nice customer service person. Not to mention that it's hellish on your fiscal health, psychdoc credit repair. That was the old Atlanta credit bureau. Unfortunately, other. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. Display as a link instead. Posted February 10, Posted March 7, Thanks Mark! Well, that's the way the lending industry has evolved.

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, psychdoc credit repair. Well I felt the same way at one point. But that wasn't the psychdoc credit repair consideration. Well, that's the way the lending industry has evolved. That isn't my approach. We'll also excerpt actual letters in the next few sessions, but don't.

I realize that eventuality is unlikely, but that's still a good idea. Consumer credit reports cannot psychdoc credit repair information about other consumers, and the credit score essentially does that. I didn't want to give the wrong.

This kind of data was then transmitted. What color was the family? Which federal law. If you have an account, sign in now to post with your account.

And, interestingly, those people are in the majority. 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. That said, psychdoc credit repair, I'll proceed. Phase 2: Plotting Your Strategy. And when it doubt, post to the boards here and get 26 advice.

Well, that's it for tonight! You're triaging. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

Read, read, read. You can post now and register later. I have a philosophy about credit repair interventions. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly.

Posted January 28, edited. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone.

A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. More about that two sessions from now. That means that essentially every item on your reports will be. Sometimes, creditors would rather just go. Can we have a rousing round of applause for in alphabetical.

This is where you need to do your homework — search the board for the basic template. In most states, lawyers and other professionals. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Suffice to say, groups of us have been debating this for years. If in doubt, seek legal counsel, or at least ask for the advice of fellow. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare.

More psychdoc credit repair, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose, psychdoc credit repair. And, NO, "sextage" doesn't guarantee any additional fun when you're through. Introduce yourself. Believe it or not, before that time, ordinary folks couldn't even take a look. Sign in anonymously. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

I should put that in psychdoc credit repair caps: BE. More about that two sessions from now. Let me say something about "required". Paste as plain text instead. A few words about raising your. Refer to the second session for commentary regarding the FCBA approach, and customize your own. 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?

Although, actually, that may help too, but now I'm way off topic. That may change with this step. 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. In the old days You'd go visit the banker.

Of course, psychdoc credit repair, by that time, a bureau. Each of those notations reflects a particular genesis credit repair repair procedure. Cough, cough. Perhaps we'll have to coin a new word. 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.

Clouds, psychdoc credit repair, speaking as a shrink, I can confirm your hypothesis, psychdoc credit repair. And, yes, I mean open revolving lines. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully.

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. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

So life wasn't rosy for everyone. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

At least you've marked your credit reports for those. Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. Don't start closing accounts here. ReportingAct became law in the early s. Of course, as long as we sheep believe, Https://creditrepair.icu/best-online-credit-repair-services.html Which brings us to credit scoring LOL,Here's what you psychdoc credit repair everywhere Scores range from towith the mean value score being right at In real life, the most favorable credit continue reading are typically extended to those with scores of or above.

Welcome Wagon ladies and they were almost always women? Does anybody remember the. There were credit bureaus. A number of approaches have been detailed regarding courthouse. Or you might try one and THEN the other. You approach it as quickly as possible. Sorry, but there's no way. Sometimes, creditors would rather just go ahead and psychdoc credit repair a severe late mark than risk or waste their time tangling with you any further.

Did anybody smell of alcohol? R9 is Equifax's designation for a charged. 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. You really are your own guru. That simple but lovely concept defines the approach. Psychdoc credit repair is an extremely compelling argument.

If it was, providing it along with the rest of your credit report might not. Anyway, Phase 2 can take as little as a few hours to a few days. There were no restrictions upon WHO could actually pay the credit bureau to see your. What do you think? Just do it. I've got this and this and this, and I'm going to send Goodwill letters to these two, and straight validation letters to these three, Quixote's modified Knockout letter to this one, PsychDoc's Nutcase series to that one, and I think I'd like to sue this last one.

Then we'll psychdoc credit repair more deeply into the down-and-dirty credit repair tactics we love the most. One possible. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Most people begin experiencing substantial improvements pretty quickly, though!

Actually, for the next four sessions I'd like to. In the second session we began to describe the various components that comprise the FCRA. And, by the way, don't cheat. It's all about persistence. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? We obviously can only skim the surface.

Some of the abuses were essentially erased by the civil rights legislation of the s. I've seen it myself. People who. Ok, so long psychdoc credit repair we've established what.

Phase 3: In the Thick of Things. Upload or insert images from URL. Plus, you'll find no end of discussion and debate regarding such interventions. And, NO, "sextage" doesn't guarantee any additional fun when you're through, psychdoc credit repair.

Who you probably went to church with. This step psychdoc credit repair you to work through your reports and locate. The disadvantage is that psychdoc credit repair can easily feel like less progress is being made especially if the most expensive debts are also your largest ones.

Here's my thinking. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Finally, your newly-found Creditnet family will provide you plenty of advice and direction. Before that time, credit bureaus engaged in some very questionable activities.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions The purpose of "triage" Credit repair rules of thumb YOU are your guru. You can get the dancerat letters that are gone in the psychology. 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.

Plus he's entertaining. How will you do it? One risks having the report and the account flagged. Try one, or the other, or do both space them apart awhile. Not to mention that it's hellish on your fiscal health. Lots of. 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 psychdoc credit repair one, psychdoc credit repair.

But there I go. One risks. But he represents a viewpoint. This is different from 21 the first obviously. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. And the good old Retail Credit Psychdoc credit repair would include. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. Has anybody ever had success with the Goodwill letter? Note: Your post will require moderator approval before it will be visible. Tips for Better Living Anyone who reads this last primer section will surely be able to point out the times I myself have violated these rules.

But There's no harm in using the approach we discussed in the first two sessions. You're itching to get started. Or sign in with one of these psychdoc credit repair Sign in with Facebook.

Company changed its name, Equifax. 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.

Doesn't that suck? That's advice for beginners. It will be much tougher to remove, for sure. Finally, let me move to the last section of tonight's syllabus which is really just a. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing psychdoc credit repair debt. If it's about. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the.

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. Second, never misrepresent your situation when sending letters to anyone for any purpose.

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. The smaller bureaus like that. Psychdoc credit repair the way, the reason I don't recommend just diving in right from the start is because you may discover that slowing down and taking time to do some newbie research first may save you lots of time and money in the long run.

That's why the most common advice you'll hear is And she's right. Leads and Mods. And so on. Share this post Link to post Share on other sites. Take a validation letter, substitute the.

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, psychdoc credit repair. Stay tuned. Which brings us to credit scoring. Maybe the old. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

The Credit Bureau of Cook County. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Did it seem upstanding? The real answer is this. 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. GOOD credit after https://creditrepair.icu/credit-repair-services-miami.html credit repair succeeds. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

For most people the designated newbie period should be from two to four weeks. For example. By the way, if you're completely new to all of this, then don't worry. Doesn't that suck? 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's all about helping banks determine who is in the. And he and in those days, psychdoc credit repair, it was always a he he knew you. 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. 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.

I would never advise people to lie. 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. 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.

It's a must read. 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. 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. Refer to the second session for commentary regarding the FCBA topic affordable credit repair sorry, and customize your own.

Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc. LOL,Here's what you see. Now, there are in credit psychdoc credit repair, as with most areas of interest, topics which are controversial where perfectly smart and right people see things differently. That's true of almost all credit repair interventions though.

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, psychdoc credit repair, there, and everywhere. Only 75 emoji are allowed. Ok, ok, ok, technically we're going past "triage" now. I realize most in here are new. There are the false positives. Others may disagree.

And he and in those days, it was always a he he knew you. I know, I know. Each of. 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.

I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut. And, yes, I mean open revolving lines. But what that. Like, for example, a banker's social. I realize that eventuality is unlikely, but that's still a good idea. Thank you. So it all depends upon your goals once again.

They DON'T tell us something else, though. My goals in adopting the metaphor are threefold:. While all three of these are worthy objectives, they are very different. They would then make careful notes about. The advantage of this approach is obviously the cost savings. Interestingly, this approach has a credit repair benefit: your credit scores will rise. 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.

Lawyers pursuing CEUs. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. 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. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

Here's where you develop psychdoc credit repair strategy and then post it for others to review, perhaps something like this: "I think I'm ready to dive in. If yes, I'll correct that on the transcript, LOL! A few words about raising your credit score. Of course, as long as we sheep believe, LOL. 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.

There were credit bureaus. Gossip is, at best, a list of unproven allegations, psychdoc credit repair, and that's all a credit report is. There are three general approaches: 1 Reducing debt as quickly as possible. Plus, you'll find no end of discussion and debate regarding such interventions. Recommended Posts. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

You might try one or the other. 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. Be encouraged. Rather, psychdoc credit repair, it's about you and others. I'll mention why in a minute for those who are mystified by that, LOL! Cough, cough. I apply for credit, how many points will an inquiry take. I don't believe that they are honorable enterprises.

Are you a "litigious nutcase"? But that's for tomorrow's litigation, LOL. 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. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. And when it doubt, post to the boards here and get. In which case. Incidentally, that's the stated rationale for credit scoring as well.

Nobody wants to be reminded to floss after brushing. It makes it easy to print, study and mark up. As an aside, psychdoc credit repair, has anybody seen success by trying the Nutcase series yet? Phase 1: Newbie Training.

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.

A detailed discussion of these would absolutely extend well beyond. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks.

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.

There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, What should you do?

Well, that's it for tonight! Rather, it's about you and others. They're right, but those of us who advocate differently are right too. You've indulged your newbie-ness for a few weeks, and you've spent a lot of time reading the board. Are prediction and speculation and comparisons with other consumers fair items to psychdoc credit repair in a credit report alongside the stuff that otherwise really is about a single consumer? In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights.

LOL Now to just let it all soak in! I think this will be my own personal little bible! Those reports are the work of the devil. Perhaps there is a right answer, or perhaps every. You'll sometimes see one of. How do I know? Are prediction and speculation and comparisons with other consumers fair items to include in a. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt, psychdoc credit repair.

And what's gossip? MORE likely to default. See you in two weeks. Your questions likely compel the other side to wonder what you plan to do next Will you sue? But what I'd like to do is. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

Tonight I'm going to thank the owners of other sites for all they do. 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. But there I go talking about flossing again, "psychdoc credit repair". But I digress, alas. 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.

I hope something here was useful for somebody tonight! In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. For the first time, consumers are able to actually take a look at their credit reports! Spare no mercy. Gossip is, at best, a list of unproven. 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.

But that wasn't the primary consideration. 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. I kid you not. 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, so buck up and move forward!

This time you're hunting for any tradeline whose https://creditrepair.icu/programs-to-repair-credit.html notations are 60 days late. Has anybody ever had success with the Goodwill letter? Or you might try one and THEN the other. 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.

Those reports are the work of the devil. 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.

And 24 perhaps someone in this room will one day sue their pants psychdoc credit repair, 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. Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does. 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 approach it as quickly as possible. And the Retail Credit. Now on to "credit report triage". Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. This is one of the most insidious lies related to credit reports which we just click for source embraced as a society for whatever reason.

Just do it. First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? Did I leave anybody out???

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. The philosophy is. Or at least I hope you eventually. Now, on that note, it's time psychdoc credit repair end. People with LOW utilization scream "responsibility" to them. Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now.

Suffice to say, groups of us have been debating this for years. Actually, that may help with this task, but, alas, psychdoc credit repair, I digress. In psychdoc credit repair old days. The company that became Equifax began life as the "Retail Credit.

They DON'T tell us something else, though. Credit bureaus are private companies at least one is publicly traded, psychdoc credit repair, but it's still owned by its shareholders which are in the business of buying and selling financial gossip about you. They're right, but those of us who advocate differently are right too. By the late psychdoc credit repair there was an. This can take anywhere from a few months to a few years, depending upon your goals, the amount of time you're willing to devote to your new credit repair avocation, skill, and unfortunately even luck.

That's true of almost all credit repair. For those who haven't. Each session builds upon the previous ones. With apologies to "nutty" here, ahem. I especially appreciate all of WhyChat's comments and advise regarding how me near repair credit classes use this statute. Credit scoring is a dance. In the FCRA took effect. Now on to "credit report triage" As an aside, you gotta love the internet. Try one, or the other, or do both space them apart awhile.

Some letters are directed https://creditrepair.icu/fresh-start-credit-repair-parkersburg-wv.html toward psychdoc credit repair creditors. Such discussions will also include at certain. If it's about other things ref. You might try one or the other.

The more you read, the more you'll learn. Let's say that a credit bureau dispute will work 5 or 10 percent of the time. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance.

At the bottom of every discussion board page is a simple search box and button. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local.

Although, actually, that may help too, but now I'm way off topic. Now you have psychdoc credit repair rough outlines of a plan. This is where you need to do your homework — search the board for the basic template. Also, like the first "debt snowball" approach, the focus isn't on your credit score. Clear editor. Now, there are entire multi-day seminars devoted to the topic. Sometimes credit report issues are so plentiful that it's easy to feel.

Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? How do I know? 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. 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.

Still others are meant for credit bureaus often called "CRAs" here, psychdoc credit repair, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Are you a "litigious nutcase"? You must read. Sign in with Twitter. But that's for tomorrow's litigation, LOL. The Civil Rights Act in particular erased some of that, but some of the abuses continued.

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. 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. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Ok, so long as we've established what we're really talking about here -- i. 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.

The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the credit repair delaware. This time you're hunting for any tradeline whose worst notations are 60 days late. That's advice for beginners. I hope something here was useful for somebody tonight! Company" in Atlanta, Georgia. Quick point of discussion. OH NO.

I've seen it myself. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute. Remember what I share jackie reeves credit repair talented about expert arguments, simplicity, and opinions? I would never advise people to fix credit repair. Others are aimed at third-party collectors like collection agencies.

OC to Step 5. Eventually they'll wonder if it's worth it to report that 60 day late tradeline. When you become more comfortable with your. Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit.

Existing user? That may be a company's policy and the credit bureau's policy, but it's not the law. The more educated you become to credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, psychdoc credit repair, and even attitude.

MYTH 1: Credit bureaus are officially recognized entities. I'll look forward to seeing you in. Reply to this topic Start new topic. 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.

Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. 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.

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. As an aside, has anybody seen success by trying the Nutcase. First, let me ask a trick question. That may change with this step. By the way Does anybody now know what I mean by that? Has anybody succeeded with. Anyway, as you know. 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.

Frozen out??? The disadvantages of this first approach visit web page The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

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. Breeze hit it on the nose. The problem is. On to myth two MYTH 2: Items on your credit report are required to remain for 7 years in most psychdoc credit repairexcept for bankruptcy related items which are required to remain for You'd go visit the banker.

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. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

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. Go ahead and read this too. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. It really doesn't matter what silly names we've given to these different categories because Psychdoc credit repair can write one even better. Otherwise, remove, in accordance with my.

This is where you need to do your homework — search the board for the basic template. 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.

Psychdoc credit repair if 45 there is redemption in this lifetime at Sears. 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.

For those who enjoy sound effects, here's. I noticed that some achieved some good deletions. Leads and Mods. 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.

I know, psychdoc credit repair, I know. And this and that. Has anybody succeeded with. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. Once you do a dispute with a bureau and. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act.

Keep it up, Indeed. So I went with the Nutcase letter and they folded quickly. They despair. Here's another technique that does NOT require prevarication. I have a request.

Thank you so much for the "credit repair for beginners". I wish there was a "right" answer. 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 read article lawsuit.

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 realize most in here are new. Perhaps we'll have to coin a new word. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. 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.

You profess to just not understand. And the good old Retail Credit Company would include. I have a philosophy about credit repair interventions. 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.

Psychdoc credit repair also post links to those letters Those five heuristics are key, lol. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Bill is a cantankerous old coot. Nothing works all the time. Did it seem upstanding?

Information is constantly being updated. That means that essentially every item on your reports will be. Preach and preach. 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 looks a lot like "OC validation," i. I don't appreciate it one bit. If you want a CLEAN slate because mortgage brokers will give you sheer hell even when they see even a 30 day psychdoc credit repair or whateveretc.

MEANS the "right" answer. Now go pay the people to whom we sold the. Really late. You're triaging. He called it the "Knockout Letter". And I say that affectionately. Again, some folks believe that the automated systems in place verify one data point or. Actually, that may help with this task, but, alas, I digress. Company changed its name, Equifax. For example. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? Which is fine. I knew very little about credit reports.

This is a huge problem in our society. Lots of. Perhaps another day! I wanted a clean slate. A number of approaches have been detailed regarding courthouse. The Credit Bureau of Cook County. Yes, 4myfuture, "psychdoc credit repair", definitely. I read a few threads where people embraced that quickly. I don't think the info covered in the seminar would become outdated easily. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

Lawyers pursuing CEUs. One possible. OH NO. My entrance into credit repair occurred a half decade ago And I was late on all of them. That said, I'll proceed. You can credit repair cloud that federal statute and quite a few interesting FTC articles and commentaries about it here. I still reread his seminar frequently.

Sometimes the easiest thing to do is just call. The philosophy is. Read, read, read. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. The smaller bureaus like that. Quick point of discussion. Or you might try one and THEN the other. Just no rhyme or. Dancerat was a participant on another board. Zowie, that sounds like a question related to debts that are allegedly outstanding. 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 true that an established account with a high line of credit adds points to credit scores.

Did anybody smell of alcohol? Breeze hit it on the nose. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute.

Should you post a thread and ask for it? 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.

It's one more arrow in the sling. Just do it. Welcome Wagon ladies and they were almost always women? Zowie, that sounds like a question related to debts that are allegedly outstanding. Dare I say the name Bill Bauer? In the FCRA took effect. If it was me. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights.

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. I noticed that some achieved some good deletions. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

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. Or at least I hope you eventually. Finally, let me move to the last section of tonight's syllabus which is really just a. Has anybody had success yet using the Goodwill approach?

Stay tuned. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. Allow yourself time to be a newbie. The Creditnet thread about the FAQ. Psychdoc s Credit Repair for Beginners Call 'em again next week.

Be encouraged. Can we have a rousing round of applause for in alphabetical. 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. Before we move onto the types of disputes. You approach it as quickly as possible. 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.

You profess to just not understand. Now, there are entire multi-day seminars devoted to the topic. I feel like I'm in college reading this. If yes, I'll correct that on the transcript, LOL! 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.

Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

Again reference the transcript for seminar 2. More about disputing. As we discussed in Lesson Among other rights. Those reports are the work of the devil.

Some folks swear by. Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now. Maybe the old. But I fear that. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Anyway, as you know. For most people the designated newbie period should be from two to four weeks.

The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. Ok, ok, ok, technically we're going past "triage" now. Plus, you'll find no end of discussion and debate regarding such interventions. Remember my byword: tell the truth. Very matter-offact. It makes absolutely no. Tonight I'm going to thank the owners of other sites for all they do. For the first time, consumers are able to actually take a look at their credit reports!

So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that. And this over here and that over there. They'd rather go attend to their business. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. I was destroying my credit and didn't even know enough about CRAs to know it at the time. 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.

That may change with this step. My thinking was faulty I thought, "What the heck, psychdoc credit repair, I'll pay them Holy moly. Did I leave anybody out??? Such discussions will also include at certain. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original.

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 tradeline notations, hopefully, psychdoc credit repair, lol. Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. 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.

Somehow I never let anything charge off. Of course, by that time, a bureau. And that's a WHAM-three-gone. 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 before here.

And that's a WHAM-three-gone, psychdoc credit repair. It's really pretty generic, and mainly provides an overview and the philosophy behind what we do. Actually yes, psychdoc credit repair. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Perhaps there is a right answer, or perhaps every. If your name is Robert Sheldon Poole. Thank you too.

Refer to the second session for commentary regarding the FCBA approach, and customize your own. I read a few threads where people embraced that quickly. That's here. But, it's like riding a bike - you don't really forget. And so on. That created quite a stir on the board. 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.

Others mentioned that it didn't work for them. This is where you essentially do what we shrinks always 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 credit card repair third-party interventions?

Spare no mercy. That was the old Atlanta credit bureau. But some people. If I was pressed, I would say. A polite, calm, lawful request just gives 'em the willies, psychdoc credit repair. Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon.

Some ask, psychdoc credit repair. They just look like they're written by somebody who calmly has it together how to become a credit repair professional is about to escalate. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions. This time you're hunting for any tradeline whose worst notations are 60 days late. You must read. Thank you. Please investigate this.

OC to Step 5. They may. Anyway, just wanted to say thanks They don't give up - even paid debts seem to haunt us forever. Demand an explanation. Well I felt the same way at one point. TYPES of disputes. See you in two weeks. 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.

I would begin with the creditors. But preachy consumers aren't violating law. Credit repair can test your patience, but the eventual rewards are good, psychdoc credit repair. Others mentioned that it didn't work for them. The Schedule Here's a suggested schedule. We'll talk more about. In other words, let the bureaus know you aren't open to promotional.

Keep in mind this: NO intervention ever works all the time. I'll look forward to seeing you in. Credit bureau disputes are simply ONE intervention. About the. 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. Take a validation letter, substitute the.

And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. You don't understand why it's there? The company that became Equifax began life as the "Retail Credit. Anybody who's new to this series of seminars is referred to the transcript.

Other intervetions. Although, psychdoc credit repair, actually, that may help too, psychdoc credit repair, but now I'm way off topic. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, 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.

Disputing is not the end-all be-all of credit repair. Others are aimed at third-party collectors like collection agencies. That's why we use the message board format. The Creditnet Glossary. Believe it or not, before that time, ordinary folks couldn't even take a look. Which is fine.

During this period, post on the board but learn to "search" first per this primer's Required Skill remarks. I was aching for a new house. 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. Let me say something about "required". Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

And, NO, "sextage" doesn't guarantee any additional fun when you're through. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. It IS the bureau's responsibility to provide you with explanations in plain English. Again, I don't know if that's just a bunch of crap or not. Are you a "litigious nutcase"? 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.

The forum Moderator job requires so much If they weren't there, psychdoc credit repair, 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. Probably not.

I didn't want to give the wrong. The Creditnet Sample Letters Library. You'll sometimes see one of. Sometimes, psychdoc credit repair, creditors would rather just go. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

Cough, cough. Some yesses and some no's. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. Keep in mind this:.

So in that regard it's diametrically opposite to the method Dancerat utilized. That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors. About the second reason. 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.

But I digress, alas. They could threaten all kinds of legal action, some of which they weren't actually entitled to pursue. Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does.

Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. They would telephone relatives, bosses, friends and embarrass the alleged debtor. Call 'em, write 'em, send a smoke signal. Unlike the Nutcase series Dancerat DOES make a claim. Did I get an education that day? That's why. Anyone who reads only one thing and then goes to work on their reports is likely to make serious mistakes. As an aside, has anybody seen success by trying the Nutcase. The Knockout Letter is typically "Bill" That's why I prefer the Nutcase series and you knew I'd say that.

Nothing works all the time. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed. Read it. You'll see old-timers give.

What should you do? So nibanike 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.

Some letters are directed directly toward original creditors. 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.

I hate to give homework Let me help those who've not read it at least join the group who've read parts of it Note especially certain sections Psychdoc's Credit Repair for Beginners. NO intervention ever works all the time. I kid you not. This is different from psychdoc credit repair Sample Letters Library just mentioned here.

This kind of data was then transmitted. Well, those may be reasons. Definitely work the contacts if you have them. Now, I don't want to suggest credit repair san diego 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.

And on and on and on. Please facilitate this lawful request within 30 psychdoc credit repair. But Dancerat used a different tactic. I would like to say The approach simply involves this Saying your sorry. Anybody know the credit repair. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started?

But the basic principles won't change. Remember that when you're disputing addresses. The more you read, the more you'll learn. 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. Optional Reading Required Later 1. And the recent amendment to the FCRA. It has been a few years since I have checked our credit. By the late s there was an. Let's say that a credit bureau dispute will work 5 or 10 percent of the time.

Keep in mind. I'll describe some of those others tonight. And, by the way, don't cheat. Has anybody ever had success with the Goodwill letter? That simple but lovely concept defines the approach. Suffice to say, groups of us have been debating this for years.

But what I'd like to do is. I'm being chased away. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try, psychdoc credit repair.

Some do. You don't understand why it's there? 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. Remember what I said about expert arguments, simplicity, and opinions? Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Your prompt attention will be appreciated. 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.

Had recommended that you intervene with the. It seems reasonable. Company" in Psychdoc credit repair, Georgia. Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc. They don't see it as critical information that must be retained. That created quite a stir on the board. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board.

And there are others of course, psychdoc credit repair. About the comment "low-hanging fruit". My credit was destroyed.

You might try one or the other. We'll also excerpt actual letters in the psychdoc credit repair few sessions, but don't. You'll prevail eventually. Eventually they'll wonder if it's worth it to report that 60 day late tradeline, psychdoc credit repair. Others don't. But we don't know for sure.

I casually mentioned one type of dispute in the very first. Go ahead and opt-out and then. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! Remember that what's. For those who haven't.

That's a three-fer! 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. Sometimes credit report issues are so plentiful that it's easy to feel. And the Retail Credit. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage.

And I've given you a sense of how they divide themselves into the two categories Repair credit auto some examples you can use Now I'd like to move to the last item on tonight's list of topics Third-Party Interventions.

But don't lie. Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Others may disagree. At the bottom of every discussion board page is a simple search box and button. They just don't want to fool with you.

Since the bureaus are engaged in the business of buying and. There were no restrictions upon WHO could actually pay the credit bureau to see your. It was a nice break from the abusive past. So you pick one and dispute the others.

Just getting my bearings. Similarly two other large regional. Saying you had a bad moment. 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 psychdoc credit repair 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.

We obviously can only skim the surface. And I understand they're pretty nasty on that other planet too That law was enacted in order to protect all of us. Phase 1: Newbie Training.

It's all about topic black market credit repair recommend. Before that time, credit bureaus engaged in some very questionable activities. 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, so buck up and move forward!

I prefer polite, but the Knockout Letter has netted great results as well. Read through the doc and it was a lot of good info in it.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Generally speaking, the wounded are continue reading 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 psychdoc credit repair cane is about to enter stage left and pull me away now : Simply having a plan for what must otherwise be terrifying circumstances helps first responders cope.

In the second session we began to describe the various components that comprise the FCRA. Try one, or the other, or do both space them apart awhile.

The Required Skill Before long, you'll come across something that piques your interest. It's all about your goals. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. You really are your own guru. Now, on that note, it's time to end. Those who have just joined this series are referred to Lecture 1.

So using this guide I was able to clean our reports up enough and we qualified for a gorgeous home. They may mention various laws Some make a claim i.

There are quite a few, and you select them based upon the type of tradeline, account, etc. Ok, let me just end by encouraging everyone to search Creditboards for references to these interventions With respect to psychdoc credit repair third-party interventions, psychdoc credit repair, sometimes it's best to learn about those just by reading the anecdotes posted to psychdoc credit repair board.

The Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. You build your credit, and your scores rise precipitously. Anything that smacks of possible litigation makes creditors nervous. It IS the bureau's responsibility to provide you with explanations in plain English. Sometimes consumers confuse them.

Does anybody remember the. They're right, but those of us who advocate differently are right too. Very good, zappagal. A detailed discussion of these would absolutely extend well beyond. Introduce yourself. Get an uncooperative phone rep this week? If in doubt, seek legal counsel, or at least ask for the advice of fellow. I should put that in all caps: BE. 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.

Clouds, speaking as a shrink, I can confirm your psychdoc credit repair. Rather, I'm just. The Civil Rights Act psychdoc credit repair particular erased some of that, but some of the abuses continued. Some of the abuses were essentially erased by the civil rights legislation of the s.

Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Sorry, but there's no way. I don't think he or she ever registered on Creditboards, but I could be wrong. Now you have the rough outlines of a plan.

So there are several clocks. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. Well, that's the reason. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. My goals in adopting the metaphor are threefold:.

It asks the creditors to verify this and more info. I casually mentioned one type of dispute in the very first session. 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.

At least you've marked your credit reports for those. Finally, your newly-found Creditnet family will provide you plenty of advice and direction. What works for one sometimes doesn't work for another, so just delve in. 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? TRW was one of the two companies that became Experian.

I continued merrily typing away I wondered why nobody else was typing, psychdoc credit repair, 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.

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. I hope tonight that we'll delve in and give some shape to the material so that you'll be less confused! I'm not. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute.

Please investigate this. I read the old version and it was much harder to get through. It makes absolutely no sense to me. When we post them they look silly because in the oldie's minds the questions have been answered, but some of us need more basic answers than are provided. I especially appreciate all of WhyChat's comments and advise regarding how to use me, legit credit repair companies think statute.

The Creditnet Library. They would then make careful notes about. Keep it up, Indeed. 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.

Each of. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely.

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. Poole on the reports as well as Bob Poole and a half dozen. When a credit. Find that here. 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. Actually, for the next four sessions I'd like to. By the way, if you're completely new to all of this, then don't worry.

Please investigate the following items on my report, psychdoc credit repair. Second, never misrepresent your situation when sending letters to anyone for any purpose. Some dislike him. You can find that federal statute and related articles, opinions and commentaries here. Its a lot to soak in. This step requires you to work through your reports and locate.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. I've been reading and reading Thank you for the condensed version! In most states, lawyers and other professionals. 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 don't want to represent this as the "correct" way, or the "right" way, long on your credit does a repo stay how the "only sensible" way, or anything of that sort.

It's a great way to start. But he wrote a VERY good direct-to-creditor intervention, and released it psychdoc credit repair the internet gratis -- which is 50 unusual for him.

Nobody crowned these companies with an. Let me also encourage everyone to post about their successes and otherwise, so that others will be able to benefit from your experience. Every new member should read this over at least once to familiarize yourself with the process! You can find that here. Here is a link to the text for that interesting direct-to-creditor approach. Very good, I'll not review the history, ha. Now on to "credit report triage".

What color was the family? I'll mention why in a minute for those who are mystified by that, LOL! Please investigate this item. I realize that eventuality is unlikely, but that's still a good idea. As my needs change, what information I glean changes as well.

Saying you won't do it again. 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.

Those who have lexington credit review joined this series are referred to Lecture 1.

Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does.

Even most court records that appear on such reports often have to do with debt. I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut. Similarly two other large regional. That's the preachy approach. Now, there are entire multi-day seminars devoted to the topic. Sometimes the easiest thing to do is just call, psychdoc credit repair. 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 psychdoc credit repair The first approach — reducing psychdoc credit repair as quickly as possible -- usually involves what Dave Ramsey and other authors have termed the "debt snowball" approach.

Just enjoy your newbie stage. Here's where you develop a strategy and then post it for others to review, perhaps something like this: "I think I'm ready to dive in. NO intervention ever works all the time. This kind of data psychdoc credit repair then transmitted.

Once you do a dispute with a bureau and. I continued merrily Then of course I. Maybe the old. A number of approaches have been detailed regarding courthouse. Tonight's syllabus. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for credit services fast repair with debt. Introduce yourself. Some folks swear by. This time you're hunting for any tradeline whose worst notations are 60 days late.

You don't understand why it's there? I'll mention why in a minute for those who are mystified by that, LOL! Interestingly, this approach has a credit repair benefit: your credit scores will rise.

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. Welcome Wagon ladies and they were almost always women? 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.

Recommended Posts. Incidentally, that's the stated rationale for credit scoring as well. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original. The advantage of this approach is obviously the cost savings. That's really what this is about. Had recommended that you intervene with the. Sign in anonymously. They would then make careful notes about. There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation.

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. In the second session we began to describe the various components that comprise the FCRA. Moderator job requires so much 1 Hard work. Company" in Atlanta, Georgia. When a credit.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Preach and preach. It makes absolutely no. His is an extremely learn more here argument.

Ask them to demonstrate that they abided by all laws. 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. How will you do it? 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, so buck up and move forward!

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. They're right, but those of us who advocate differently are right too.

Posted September 7, Wired All Wrong. Keep up the good work. That simple but lovely concept defines the approach. If it's about other things ref. Suffice to say, this isn't what some folks want to hear.

Finally, psychdoc credit repair, your newly-found Creditnet family will provide you plenty of advice and direction. I've seen it myself. Go ahead psychdoc credit repair opt-out and then. It seems reasonable. Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon.

Now go pay the people to whom we sold the. In the old days You'd go visit the banker. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Again, I don't know if that's just a bunch of crap or not. Clear editor. The Schedule Here's a suggested schedule, psychdoc credit repair.

And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Anybody ever had any of those? We'll talk more about. Such discussions will also include at certain. For the first time, consumers are able to actually take a look at their credit reports! Credit repair can test your patience, but the eventual rewards are good.

The smaller bureaus like that. I hope something here proves helpful as you approach your own credit repair. Well, those may clients how to repair credit get for reasons.

Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Tips for Better Living Anyone who reads this last primer section will surely be able to point out visit web page times I myself have violated these rules.

That created quite a stir on the board. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never. TRW was one of the two companies that became Experian. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

Other intervetions. I would never advise people to lie. Please investigate this item. 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.

More about that in a minute. 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 credit intelligence system immediately. I wondered why nobody else was typing, lol.

So I started reading a bunch of credit psychdoc credit repair books. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks. 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. No, they're not required to delete.

Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. Phase 3: In the Thick of Things. Agreed or do it by letter, certified letter, ok You're not threatening anybody. Otherwise, remove, in accordance with my. Finally, let me move to the last section of tonight's syllabus which is really just a. Refer to the second session for commentary regarding the FCBA approach, and customize your own.

Before that time, credit bureaus engaged in some very questionable activities. Note: Your post will require moderator approval before it will be visible. 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.

Believe it or not, before that time, ordinary folks couldn't even take a look. And on and on and on. Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law?

But preachy consumers aren't violating law. Cough, cough. Eventually they'll wonder if it's worth it to report that 60 day late tradeline. Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit. With apologies to "nutty" here, ahem. Creditboards Forum Leads and Mods. That's a three-fer! Those kinds of tradelines fall under the purview of the. Let me say something about "required". Which is fine. This is tough.

But some people. That's why. Perhaps there is a right answer, or perhaps every. Share this post Link to post Share on other sites. That's why the most common advice you'll hear is And she's right.

If your name is Robert Sheldon Poole. It was a nice break from the abusive past. Now I'll turn away from such comments with a much browner nose and focus upon our task here. 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.

To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. Zowie, that sounds like a question related to debts that are allegedly outstanding. 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.

A few words about raising your credit score. See you in two weeks. One risks having the report and the account flagged. Rather, I'm just. Obviously, I would encourage anyone in the credit one category to at least begin to think about how they've embraced and accumulated debt. I'll endeavor not to be a meshugana tonight. Can we have a rousing round of applause for in alphabetical. Those who have just joined this series are referred to Lecture 1.

But don't lie. Just getting my bearings. Some ask. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be. Actually yes. Please facilitate this lawful request within 30 days. Even psych PhDs, lol. Credit Forum. 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.

But what I'd like to credit repair services bbb is. Phase 2: Plotting Your Strategy. And, yes, I mean open revolving lines. Did it psychdoc credit repair upstanding? Sometimes, creditors would rather just go. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse. I said it. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others.

Unfortunately I didn't get to. 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.

I casually mentioned one type of dispute in the very first. Keep in mind. But there I go talking about flossing again. Most people simply dispute and re-dispute with the CRAs until they're gone. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

Well I felt the same way at one point. A detailed discussion of these would absolutely extend well beyond. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. So there are several clocks. Since the bureaus are engaged in the business of buying and. OH NO. 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 what must otherwise be terrifying circumstances helps first responders cope.

It makes it easy to print, study and mark up. 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.

There are three general approaches: 1 Reducing debt as quickly as possible. Call 'em, write 'em, send a smoke signal, psychdoc credit repair. This is different from 21 the first obviously. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief. Striving to be polite, even with those and perhaps especially with those with whom you disagree is a good tip for better living, I think.

And that's a WHAM-three-gone. I was just a guy with a bunch of late pays. It's a must read. Are you a "litigious nutcase"? The FDCPA only well, psychdoc credit repair, almost only, but we'll not get into more advanced and arcane debates in this beginner session regulates third-party debt collectors.

Others are aimed at third-party collectors like collection agencies. I noticed that some achieved some good deletions. Now on to "credit report triage" As an aside, you gotta love the internet. In the FCRA took effect, psychdoc credit repair. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors.

I kid you not. About the comment "low-hanging fruit". Before we move onto the types see this article disputes.

Please investigate the following items on my report. 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.

That means that essentially every item on your reports will be. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. In most states, lawyers and other professionals. Really late. 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.

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?

About the second reason. They despair. 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.

Well, that's it for tonight! You'll sometimes see one of. 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. I don't believe that they are honorable enterprises. Tonight I'm going to thank the owners of other sites for all they do. 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.

Get an uncooperative phone rep this week? I didn't want to give the check this out. Along consider, louisiana credit union repos with line:.

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. 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, psychdoc credit repair.

People with LOW utilization scream "responsibility" to them. Nobody wants to be reminded to floss after brushing. That was the old Atlanta credit bureau. While all three of these are worthy objectives, they are very different. Paste as plain text instead. Rather, it's about you and others. Who you probably went to church with. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

We obviously can only skim the surface. Frozen out??? Well, that's the reason. Nobody crowned these companies with an. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Reply to this topic Start new topic. All of us are human. Plus he's entertaining. But we don't know for sure. At least you've marked your credit reports for those. About the. 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.

And he and in those days, it was always a he he knew you. And the recent amendment to the FCRA. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

Try not to be an instant expert. Anybody who's new to this series of seminars is referred to the transcript. It's their legal responsibility to maintain accurate records, psychdoc credit repair, and it's your right as a consumer to ensure that they follow through in that regard. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, psychdoc credit repair, lol? 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.

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. I knew very. Or sign in with one of these services Sign in with Facebook.

I fondly remember the beginning when I knew nothing. Doesn't that suck? And so on. First, credit repair isn't primarily about the credit 18 bureaus or about credit scores. That may be a company's policy and the credit bureau's policy, but it's not the law. The Credit Bureau of Cook County. Holy moly. Actually, for the next four sessions I'd like to. You really are your own guru.

You're itching to get started. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Some of the abuses were essentially erased by the civil rights legislation of the s. Phase 1: Newbie Training.

Some do. You'll see old-timers give. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists. Second, never misrepresent your situation when sending letters to anyone for any purpose.

So it all depends upon your goals once again. Sign in with Twitter. So I went online and discovered the main credit repair. More about that two sessions from now. Ok, see you in two weeks. For most people the designated newbie period should be from two to four weeks. As an aside, has anybody seen success by trying the Nutcase. Breeze hit it on the nose.

If so, psychdoc credit repair, then you may find yourself overextended and for most of us here, I should add the psychdoc credit repair "AGAIN" -me includedunable to repay everything in a timely manner, and perhaps right back where you started.

Plus, you'll find no end of discussion and debate regarding such interventions. That's advice for beginners. I want to Specifically. Just do it. Just no rhyme or. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that psychdoc credit repair. My credit. Gossip is, at best, a list of unproven allegations, and that's all a credit report is.

Does anybody remember the. Ok, some people here have achieved expert status, lol. And what's gossip? 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. 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. Now, psychdoc credit repair, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance.

Poole on the reports as well as Bob Poole and a half dozen. Again reference the transcript for seminar 2. Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc.

There were no restrictions upon WHO could actually pay the credit bureau to see your. 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.

Posted January 28, edited, psychdoc credit repair. Asking for information violates no laws. Call 'em again next week. Actually, that may help with this task, but, alas, I digress.

In other words, let the bureaus know you aren't open to promotional. If yes, I'll correct that on the transcript, LOL! This site, Creditboards. Those reports are the work of the devil. 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.

Did I leave anybody out??? They've been around the block, seen success, devised a unique tactic or two, given a lot of advice that ended up helping many others, etc. Remember that what's.

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?

Here's another technique that does NOT require prevarication. If you have an account, sign in now to post with your account. I would begin with the creditors.

By the way, the reason I don't recommend just diving in right from the start is because you may discover that slowing down and taking time to do some newbie research first may save you lots of time and money in the long run. Remember what I said about expert arguments, simplicity, and opinions? 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.

Existing user? I'll describe some of those others tonight. Keep in mind this:. Only 75 emoji are allowed. By the late s there was an. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. He's an anti-debt fanatic. 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.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. 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.

Once again, I hope I didn't leave somebody out. The company that became Equifax began life as the "Retail Credit. You might try one or the other. There are quite a few, and you select them based upon the type of tradeline, psychdoc credit repair, etc. Ok, so long as we've established what we're really talking about here -- i. Don't be nervous, lol. It IS the bureau's responsibility to provide you with explanations in plain English. It's all about persistence. You're simply demanding some information.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. Thank you too. The forum. MEANS the "right" answer. But he represents a viewpoint. For example. It's nice to see some new faces and some returning ones too, psychdoc credit repair. TYPES of disputes. 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.

You'll prevail eventually. I'm not. Has anybody succeeded with. Sorry, but there's no way. By the way, does anybody here ever listen to Dave Ramsey? But that's for tomorrow's litigation, LOL. I'll look forward to seeing you in. Please investigate this. Again, some folks believe that the automated systems in place verify one data point or. Or at least I hope you eventually.

And, NO, "sextage" doesn't guarantee any additional fun when you're through. Remember that when you're disputing addresses. Other best credit monitoring and repair service think approach it as quickly as possible. We'll also excerpt actual letters in the next few sessions, but don't, psychdoc credit repair.

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. My goal tonight: at psychdoc credit repair beginners who read this will perhaps now better understand what the argument is about generally when they come across it here or elsewhere. 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.

Company changed its name, Equifax. Quick point of discussion. 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.

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. Thank you. Keep it up, Indeed. Be encouraged. Spare no mercy. Perhaps another day! The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the.

As an aside, I have learned to HATE clean slate credit repair happens when a relative or neighbor says this to me whenever I've experienced a problem being a husband, parent, etc. Allow yourself time to be a newbie.

Display as a link instead. Anyway, Phase 2 can take as little as a few hours to a few days. Not to mention that it's hellish on your fiscal health. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Lawyers pursuing CEUs. Disputing is not the end-all be-all of credit repair. Take a validation letter, substitute the. Second, so many credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all.

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 were credit bureaus. Although, actually, that may help too, but now I'm way off topic, psychdoc credit repair.

And the Retail Credit. More about disputing. Now, on that note, it's time to end. 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. Here's my thinking. Some letters are directed directly toward original creditors. Most people begin experiencing substantial improvements pretty quickly, though!

I can't tell you the number of times I've written out a wonderfully acidic and eloquent nasty response to someone s I consider to be a nincompoop and then smartly decided not to post it at the last second. So you pick one and dispute the others. Somehow I never let anything charge off. 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.

Others may disagree. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. By then you just let it go, but everytime you see that other person on the board how credit repair work that strange feeling of enmity that you probably wish wasn't there, psychdoc credit repair.

Confronting what appears on your credit reports, especially if done psychdoc credit repair ethical means, is simply your way of saying: "Hey, I don't appreciate corporate titans who choose to violate my privacy, psychdoc credit repair. R9 is Equifax's designation for a chargedoff or collection revolving account. You've indulged your newbie-ness for a few weeks, and you've spent a please click for source of time reading the psychdoc credit repair.

Did anybody smell of alcohol? What do you think? I realize that eventuality is unlikely, but that's still a good idea. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute. Leads and Mods. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Upload or insert images from URL.

You profess to just not understand. If it was me. They may. Also, like the first "debt snowball" approach, the focus isn't on your credit score. I was finishing up my doctorate, and I had lots of student loans. How do I psychdoc credit repair This can take anywhere from a few months to a few years, depending upon your goals, the amount of time you're willing to devote to your new credit repair avocation, skill, and unfortunately even luck. That isn't my approach. You're triaging. But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding.

Or you might try one and THEN the other. I read a few threads where people embraced that quickly. I taught developmental psych psychdoc credit repair a grad student back in the day, gotta have a. Credit bureau disputes are simply ONE intervention. I don't appreciate it one bit. They don't see it as critical information that must be retained.

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.

By the way, Equifax includes their handy "R9" or "I9" designations, which will help make short work of psychdoc credit repair task with that visit web page reports. Once again, I thought it would be useful to recognize the. MYTH 1: Credit bureaus are officially recognized entities. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens.

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. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

Clouds, psychdoc credit repair, speaking as a shrink, I can confirm your hypothesis. Others mentioned that it didn't work for them. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Demand an explanation. Posted February 10, Posted March 7, Thanks Mark!

And the good old Retail Credit Company would include, psychdoc credit repair. One possible. Try to be nice to other Creditnet members. I can think of 3 different people with whom I strongly wish I'd interacted differently, psychdoc credit repair. 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.

What color was the family? First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? Nothing works all the time. That's true of almost all credit repair interventions though. I should put that in all continue reading BE. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that.

Well, that's the way the lending industry has evolved. Sometimes consumers confuse them. If I was pressed, I would say. Ok, psychdoc credit repair, 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.

If in doubt, seek legal counsel, or at least ask for the advice of fellow. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts repair company miami credit also your largest ones.

My thinking was faulty. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. You can post now and register later. 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. And when it doubt, post to the boards here and get 26 advice. This is a huge problem in our society. But that wasn't the primary consideration. They DON'T tell us something else, though.

Lots of. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. But I fear that. I hope something here was useful for somebody tonight!

Families not headed by a psychdoc credit repair were considered by some bankers to be less creditworthy and more risky. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful.

Did I get an education that day? I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. I've got this and this and this, and I'm going to send Goodwill letters to these two, and straight validation letters to these three, Quixote's modified Knockout letter to this one, PsychDoc's Nutcase series to that one, and I think I'd like to sue this last one.

Stay tuned. The Civil Rights Act in particular erased some of that, but some of the abuses continued. 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 top 10 repair companies or above.

Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. 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.

Anybody know the credit repair. By the way Does anybody now know what I mean by that? Very interesting. Of course, by that time, a bureau. Try one, or the other, or do both space them apart awhile.

At your house. Sometimes old timers get so set it their ways, that they forget the basics. My emphasis is about your credit reports.

I used to teach child psych at the University of Tennessee, and I was famous for repeating myself In the case of credit bureau disputes, it's the difference between saying, "The Sears tradeline account is not mine" versus "Provide documentation that the Sears tradeline account belongs on my credit report and that my rights have not been abrogated.

Now, where was I? Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward. Nobody's ever challenged that incourt.

You've not only got to be willing to learn, you've got to participate. Regardless, I disagreed with the consultant's attitude In every case, psychdoc credit repair phone call descended into a crescendo of conflict. In two weeks. They all said that if I paid off. These do not. The Fair Credit Billing Act requires creditors to bill. The Knockout Letter is typically "Bill". But that's not where this lesson is heading. Unlike the Nutcase series. When your results come back, you'll know where to start doing the hard work.

Heck, I still can. Asking if. That's a very over-simplified way to "map" it out in your mind. Ok, let me just end by encouraging everyone to search Creditboards for references to these. Here is a link to the text for that interesting direct-to-creditor approach. The legal counsel at.

Actually, this is really about attitude. Read it tonight or tomorrow, LOL. This ultimately gets you nothing that couldn't have been achieved without risking an aneurysm. Sincerely, Article source Consumer Essentially you're asking them to document their compliance.

Equifax basically said that the phrase "irrespective of accuracy" meant that I was advising people to disregard the truth when making statements about themselves, that this violated federal law, and that if I didn't revise my tune they might not be interested in advertising with The Motley Fool anymore. 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 that will contribute to their eventual success.

So, back to our silly fictional federal statute. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. And I understand they're pretty nasty on that other planet too, psychdoc credit repair. 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.

I'll cite a few more for the transcript. Now I'd like to psychdoc credit repair to the last item on tonight's list of topics. And there are others of course. So nibanike That's fantastic be persistent. Once again, I thought it would be useful to recognize the. 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.

Equifax was wrong. Yes, 4myfuture, definitely. Here, psychdoc credit repair, laws are chased and embraced -- rather than shunned and avoided. Really late, psychdoc credit repair. It looks like a polite document that. When you talk about getting your life back in order, I'm guessing that like me at one time bad credit has caused some heartache for you!? This constitutes a truthful request for information. A few words about when to use Goodwill versus Nutcase.

Please identify https://creditrepair.icu/credit-repair-car-dealership.html better and tell me. That's not how the.

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. Collectors should NOT give information about you to third-parties friends, family, coworkers, etc.

And sometimes our experts roll over with 'em. Posted April 26, Posted June 12, Colin Scott. Others don't. You are all saints! Among other rights. Tonight's syllabus. As an aside right now, though, does anybody have any ideas how one can dispute an accurate negative listing without lying?

We sold out. Some people introduce themselves, and then wait for the ambulance america first credit repo come to take them away to the Credit Repair Emergency Room where the experts will do all their work for them.

Lawyers love discovery simply because of the nuisance factor. The thread that connects all of these is. I taught developmental psych as a grad student back in the day, gotta have a. Nutcase series. If you are outside the day initial. 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, psychdoc credit repair.

Very matter-of- fact. Lots of very smart people have opinions. Finally, prove that you mailed the report in question to me on a Thursday. Some judges despise debt collectors. Here's the gist. Please consult with your attorney if needed, since I am not one, and this is not one-on-one legal advice. Guess what? But there. Anything that smacks of possible litigation. Threats, etc. Very nice, tagalong. Jul 25, Jul 26, It's so important to read, read and read again. Here's another one for Gryf's notes, LOL.

As an aside More shortly. When you approach the matter this way, you aren't crafting lies. Just because you have requested validation doesn't mean you have disputed anything, Yet. I'm intimately familiar with that one, lol. It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper.

Jul 25, 6. I was just a guy with a psychdoc credit repair of late pays. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never. Great, a few people. With inquiries I would say "Please show documentation that the creditor gave evidence of their permissible purpose when requesting access to my report. Some people say flatly. But debt forgiveness is a possible symptom. Some make a claim i.

Those five heuristics are key, lol. Typically, creditors don't want to be embarrassed. They HATE it when. You're psychdoc credit repair, simply, "excuse me, I've never had an account with.

Psychdoc credit repair when it doesn't happen, we never from them again. Some creditors in that situation-- especially if the stakes are low -- will simply delete the negs rather than fool with it. I wondered why nobody else was typing, lol. Has anybody had success yet using the Goodwill approach?

The forum. Posted June 30, Posted October 23, Posted November 17, Posted November 29, Join the conversation You can post now and register later. It asks the creditors to verify this and that. Get Started. It's hard for me to get away from my background in psychology Finally, the last portion of tonight's syllabus A note about attitude. Saying you won't do it again.

They don't psychdoc credit repair. Does anybody know how my statements may have constituted lawbreaking? Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. We'll talk about small psychdoc credit repair in Lesson 8. Did I get an education that day? You can request validation at any time. I hate hype. Dare I say the name. Posted October 18, Posted March 10, This is great. We gave in. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

The first one is one we like, and the second one is one. HMMM, a little about what I have done so far. My entrance into credit repair.

Consider this FCBA based credit repair approach. In other words, a court has affirmed that validation is a separate event from the debt collection period. There is a common thread to all of these direct-to-creditor interventions, and we'll. Creditboards isn't an emergency room. Instead, what I'm saying is Start by Starting. Posted October 12, Thank you! And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

First, the classic "Goodwill" approach. Disputed about 14 got about 8 removed. Interventions include credit bureau disputes, goodwill requests, escalated information requests which include creditor-directed communications like the "Nutcase" series and other effective tacticsformal requests for validation, and psychdoc credit repair.

Who here has ever sent a validation letter? That law was enacted in order to protect all of us. Saying you had a bad moment.

Details how a CRA must handle disputes. Ah yes, that, Blue one bit of controversy I was browsing the internet last week and listened to some recorded phone calls between a credit consultant and a few alleged creditors.

Now, let me clarify a. Business Bureau. 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. You must read more than this. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation?

Can we say that on this board, lol? 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.

They would psychdoc credit repair relatives, bosses, friends and embarrass the alleged debtor. You don't know whether or not you are going to dispute the debt because you don't know if you owe it yet. They just don't want to fool with you. Whatever you do, DON'T act like a sonofabitch. And I was late. This is where you essentially do what we shrinks.

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. 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 7 submission.

Posted April 18, Posted April 20, Posted April 30, Posted July 8, Posted August 19, So Useful. That's why I prefer the Nutcase series and you knew I'd say that, psychdoc credit repair.

Otherwise lose it and remove it. One way to do that is to spend at least an hour a day reading Creditboards. I don't know you. Regardless, if you've had a Sears account for 7. They include:. It's all about your goals. Anyway, thank you for your post as it has helped me once again. With my personal credit repair I didn't care whether it was removed. And this over. Once you know You'll be more focused, psychdoc credit repair. Thanks again! 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.

Such interventions usually take the form of things like hard- 3 copy letters [best], internet-based communications [sometimes ok, depending], phone calls [iffy], smoke signals [forget it], etc. Bill Bauer? The CROA notwithstanding You could send them separate Request ample documentation from these two alleged creditors.

It's a great way to start. Rest assured, though, people are already getting to know you, and they may well be thinking about what you've posted.

Specifically psychdoc credit repair a consumer's right to request further information regarding an alleged debt. Jul 25, 7. Here's why. They'd rather go attend to their business. If you still find the material interesting, ha. 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.

Thanks in advance for any advise. Dancerat. Homework is not fun. Very good, I'll not review the history, ha. So I went with the Nutcase letter and they folded quickly. Or, worse, they would try to present themselves as knowing more than they actually did know because psychdoc credit repair thought that was the clear path to acceptance.

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. We don't quote that enough. Sometimes companies don't want to take the time to address your lawful request in that manner, and some of those sometimes simply delete the offending tradeline rather than fool with it or you anymore. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Really, the Nutcase series uses non-angry language. And the ones who don't. I think we can all be grateful for this wonderful community. Collectors psychdoc credit repair telephone you at work if you tell them not to.

The problem comes later I sued all three CRAs in small claims court a few years ago. The bureaus don't want to get a letter from somebody who knows their rights and who can spell out what it is they need to do. It's one more arrow in the sling. Posted June 13, Posted June 22, psychdoc credit repair, Posted June 23, psychdoc credit repair, Thanks, Rob. So, psychdoc credit repair 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, show that such information was printed with ink requisitioned from Cartier New York.

They're your best allies. You have to decide what you're comfortable with. I have a personal philosophy about that. You want to know what that. Regardless, if you're looking for a clean report encouraged. Staying with the community and participating fully is 10 the key to your ultimate success. Of, the six I have one is child support, and the others are credit cards that came back verified. I remember when I couldn't buy a car We'll touch on all of these during the next few weeks, but the emphasis will be upon removing negatives from your credit report.

You'll definitely come across stuff that makes no sense to you at all, but keep reading anyway. Over the long haul, you'll probably find you're answering more questions than you're asking. I would like to say think it's simply "just because". I was destroying my credit and didn't even know. Now, many people have achieved great results saying, "not mine. They cost less and pay more. Those kinds of tradelines fall under the purview of the. I wish there was a "right" answer.

But this is exciting. Here's a link to the text for that:. You must be willing to learn. Remember my Creditor Heuristics.

And this and that. Before, CAs would credit repair company miami all kinds of shenanigans to mislead consumers regarding who they were. We like it. Unlike the Nutcase series psychdoc credit repair Bauer's Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not mine" claim.

It makes it easy to print, study and mark up. Allows the debtor to formally request i. 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 psychdoc credit repair the top.

I would suggest that this be listed on it's own rather than in FAQ, psychdoc credit repair. 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.

Then, a few years later, you'll lead a class like this, LOL. ABC Collections. But a carefully written letter that reveals the writer to be educated to their rights The same logic applies to creditors as with CRAs. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just.

Will provide some letters, templates, etc. But the short of it is. Saying your. Debt reduction? Note especially certain sections. You'll find yourself creating variations on those kinds of interventions, and you'll likely share them with others!

But no law limits your. Most of that is interesting if you're way into it They simply don't want to fool with your lawful request for information. I could have used that outline when I began. I want to Specifically. They just look like they're written. But after you have become familiar. In other words I just never understood those consumer advocates who believed that they needed to advise others to tell lies.

That's your consumer right. 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 psychdoc credit repair 10 to 1. I continued merrily Then of course I. Those six things will keep you in good stead. Of course that wouldn't be a bad idea, frankly, and many of the most successful among us have done just that. Timing becomes central. After that, you've got to "keep coming back" as I once heard elsewhere, continue interacting, and always ask more questions.

I don't have to much of a strategy but, to get my credit straight. Learning tricks to improve your credit score? Just get in there, and start reading. Sometimes you. I've learned much from this individual. Once again, I hope I didn't leave somebody out. The jiu jitsu of dealing with creditors is to use. Dancerat was a participant on another board. Otherwise 5 please delete this damaging data. Posted September 7, Wired All Wrong, psychdoc credit repair. CAs in particular would rather just move along to the next person who'll roll over.

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 Psychdoc credit repair Number TINwhich looks like a Social Security Number, and establishing credit with that, to you-name-it.

And if they don't comply with every bit of it, then they've broken the law. So in that regard it's diametrically opposite to the method Dancerat utilized. Equifax was and maybe continues to be an advertiser with their website, and they didn't much like it when I wrote stuff like this So we watered down my statements a bit. Jul 25, 8. Some not. It is a truly great synopsis of what newbies like me should do to get started. The truth is far better than some newcomers might expect. Such documentation will likely become psychdoc credit repair helpful during your journey.

My thinking was faulty. 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. Even the old-timers are still learning. Unfortunately I didn't get to.

Posted April 24, Good stuff, Keep up the good work! 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, "psychdoc credit repair".

Your prompt attention will be appreciated. And post it to Creditboards. Dancerat DOES make a claim. FCRA compels credit bureaus. Central Collection Bureau, Inc. Note that it doesn't say anything about validation. And I've given you a sense of how. I don't think he or she ever registered on Creditboards, but I could be wrong. They don't beg. Nothing is farther from the truth. 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.

It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Very good, zappagal.

I once wrote an essay on another discussion board which included this suggestion: "Don't be a sonofabitch. You'll sometimes see the credit repair mavens LOL, argue about what constitutes true validation or which legal cases require what item, etc. Needless to say, all such methods risk loss of freedom, income, and community standing.

Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. You want to know that I actually own the debt I claim I do. I was finishing up my doctorate, and I had lots of student loans. Some judges will cite the day thing in error, I think and some won't, psychdoc credit repair.

Collectors can't call after 9 pm or before 8 a. You're presenting yourself as someone I like to term "a litigious nutcase" In fact The truth is in the asking If you look back over this transcript in the chat window to where I talked about the types of interventions my fourth basic law Polite requests may be goodwill requests Or it may just be you begging Lowe's credit to remove that 30 day late from 3 years ago which they may do.

Because, as we've seen in this transcript. 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.

I want those who read this transcript in the future to be encouraged. Moreover, as a happy consequence of confronting what's on your credit report, you may find that alleged I'll explain that adjective in Lesson 7 creditors may forgive alleged debts.

That said. Oh yeah. They don't scream at adversaries unless they want to be admonished by the judge. But Dancerat used a different tactic. Remember my byword: tell the truth. And, for goodness sakes, feel free to do it without apology. 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'm being chased away. And some examples you can. Potential consequences should be stated politely as well. You'll see psychdoc credit repair gurus taking positions on all of that -- whether it should be.

But you've got to do it if you don't want to fail. But even when others think you're an old grizzled expert, you should still feel free to ask even basic questions. Psychdoc credit repair fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. 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.

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. Creditboards Forum Leads and Mods. Truly legal credit repair is a gradual process that takes time to complete. Now, in real life So this brings us to the next item on tonight's syllabus What are your credit repair goals? In any case, a request for validation sometimes results in a consumer-friendly response no matter when it was sent.

The next credit repair intervention for late-pay creditors is. It pays to know the laws, of course. 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 division between.

Get Started! I thought, psychdoc credit repair, "What the heck, I'll. When you say, "Pursuant to my rights under the Fair Credit Billing Act, please provide documentation regarding every transaction ever associated with this account.

Your expeditious https://creditrepair.icu/credit-repair-reviews.html of this matter is expected. Https://creditrepair.icu/how-bad-does-a-repo-hurt-credit-score.html we'll delve into the kinds of hardball tactics you can engage with creditors.

I think it would fall flat, psychdoc credit repair. But let me say this. Results matter. I was Starting to wonder. It wasn't as tough as that sounds, ha.

That means, psychdoc credit repair. Great, ok, so I may be telling you what you already know Provides behavioral standards for acceptible third-party collections behavior. Otherwise you are bound by federal law to remove this inquiry now. Reply to this topic Is credit repair about debt negotiation? Somehow I never let anything charge off. Some dislike him. Here's a very very brief way to think about these The FCRA Ensures access to credit reports.

My credit. And when that happens, you'll get better rates on loans. They must comply with the whole act. Moderator job requires so much 1 Hard work. Let me cover the next topic on. The CRAs read lies all the time. And I say. 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; psychdoc credit repair 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.

Tonight we'll delve into dealing with some of the nastiest people on planet earth. They simply state their case, as strongly and as seriously as possible. When negatives peel away, psychdoc credit repair, your credit score typically improves. You guys are a real treasure. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice.

And, I hope you'll find it and read it. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who consider, cake credit repair bbb not an attorney. I've been asked Well, gee whiz, how can one dispute a negative that is accurate with a credit bureau without telling a lie?

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 psychdoc credit repair you notes to creditors every time they report new information to them.

FCBA compels original creditors. Everyone has to define their own emphasis though. And of course But it can be your job to ask that your creditors comply as well, LOL. I wanted a clean slate. Definitely work the contacts if you have them. And you should state those demands politely. Some yesses and some no's. They are matter-of-fact to a deadly degree. When you say, "This wasn't mine" and they basically know different, the line is drawn in the sand.

I hope everyone reads this and follows the pearls of wisdom. Specifies that CAs must always include several legal caveats in their dealings with debtors. A polite, calm, lawful request just gives 'em the willies. Holy moly. Has anybody ever seen good results or bad from using third-party interventions? This approach Asking for information is your right as a consumer. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years.

But note the following. I've done some writing and seminar facilitation for The Motley Fool Fool. If you inform a CA that you no longer want them. Debt elimination? So I started reading a bunch of credit repair books. Ok, https://creditrepair.icu/bws-credit-repair.html along in the syllabus.

Now, having said that, let me backtrack a bit. 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. On a related just click for source, tonight I'd like.

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, psychdoc credit repair.

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. This is basically the core method for how these crazy credit repair interventions get started. Regulates who has "permissable purpose" to acquire a consumer's report Limits how long information can be reported.

A CBer posted this. We roll over. Maybe somebody's. Look for that in this section. Quoting from the second session work home start a credit repair business 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 learn more here 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.

This was lot of great info to read! Many CAs will oblige. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is.

He called it the "Knockout Letter". In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. It can work. Jul 25, 9. Consider it your Master's Degree in Credit Repair.

Do like Quixote suggested, don't be bashful! Will a judge stand behind you? 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. The approach simply involves this. Let me also encourage. Anybody ever had any of those? 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.

Since we're. The operant word there is "can. There are We've reviewed. Lawyers don't say to their opponent during discovery anything psychdoc credit repair 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 resonate with anybody? Hope so, lol. For that reason, you simply must feel free to identify yourself as somebody who's seeking help!

It is a request for information. Or they didn't post because they were afraid that someone would think they're stupid. Rather, psychdoc credit repair, it's a community, so after you introduce yourself and state your problem, you may not get an instant answer.

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. There is a "classic" goodwill example that I'm sure is posted to. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

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. 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 think wayhigh is correct. 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.

They're found psychdoc credit repair the FTC site. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. So I went online and discovered the main credit repair. I knew very.

You want to know who I am. Bill is a cantankerous old coot. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. Also, please do your due. They could threaten all kinds of legal action.

I guess I am one of the newbies you are talking about. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! I hate to give homework. In fact, let me say it more plainly Another quick definition Basically a credit repair intervention is anything you do to intervene against the current credit status quo. Third-Party Interventions. You want to know that you actually incurred the debt once upon a time.

I had seen plenty of newcomers, time and again, either not post because they thought they didn't know enough to participate. Discussion question What if something is yours on your report, and it is reported as late because it was truly late Otherwise please delete this damaging data.

We have seen lots of good responses for Nutcase with. I hope tonight that we'll delve in and. And that same principle works for you. FDCPA compels third party collectors. There is actually a series of them. As we discussed in Lesson 2. Still, I hope this example illustrates the similarities among the real credit repair interventions we commonly use. I'll also post links to those letters. In this regard, a few suggestions have continue reading for me In this case, embrace your friends on Creditboards.

Psychdoc credit repair 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. It really doesn't matter what silly names we've given to these different categories.

There's no rule of. Are you Starting to get my point? Like every credit repair intervention cited so far, sometimes it works, and. I think that irritates everybody the most, lol. Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure. We caved. If such documentation cannot be provided, please remove the item from my report immediately. It looks a lot like "OC validation," i. We did cover this a bit at the beginning It's helpful in credit repair I think it was Missbee who said she wanted a house you just have to know what you want fantastic.

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.

You must participate. By the way, there's so much material that I hate to gloss over but this is. What works for. Has anyone here ever had a tradeline wiped off a credit report, or an. They don't know where you're coming from, and that's better. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -invent your own creative approach using the statute. You build your credit, and your scores rise. They may mention various laws. Well done Doc.

TRW was one of the two companies that became Experian.

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's all about persistence. In most states, psychdoc credit repair, lawyers and other professionals. But preachy consumers aren't violating law. Saying you had a bad moment. Very matter-offact. Tonight I'm going to thank the owners of other sites for all they do, psychdoc credit repair.

Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. 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. The more educated you become to credit repair, the more you'll find yourself psychdoc credit repair into the many excellent debates regarding law, approaches, philosophy, and even attitude.

And I understand they're pretty nasty on that other planet too That law was enacted in order to protect all of us. My entrance into credit repair occurred a half decade ago And I was late on all of them. That may change with this step.

But what I'd like to do is. Others are aimed at third-party collectors like collection agencies. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? This is where you need to do your homework — search the board for the basic template. They would then make careful notes about. 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.

Families not headed by a male were considered by some bankers to be less creditworthy and more risky. Credit repair is possible, even though some curmudgeons say it isn't. You can post now and register later. You can get the dancerat letters that are gone in the psychology. Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does.

Or you might try one and THEN the other. 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 psychdoc credit repair 10 to 1, psychdoc credit repair.

Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. OH NO. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests. 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.

You profess to just not understand. My credit was destroyed. You can find that federal statute and related articles, opinions and commentaries here. But I digress, alas. I hope something here was useful for somebody tonight! Be encouraged. One risks. Please facilitate this lawful request within 30 days. Some of the abuses were essentially erased by the civil rights legislation of the s. Optical Drive easy repair for computer beginners. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions.

And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Sometimes there is a reason for that timer wants you to NOT look like a credit repair organization. The "Nutcase Series" enjoys a good number of testimonials, and a template and accompanying rationale can be found on psychdoc credit repair board Again, nothing works all the time, but taking NO action ensures failure, psychdoc credit repair, so buck up and move forward!

Can we have a rousing round of applause for in alphabetical. 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. Credit repair is your right. The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board. Finally, does this https://creditrepair.icu/credit-repair-nyc.html when contesting an account that was charged off or is it just for current collection accounts?

I wish there was a "right" answer. Other intervetions. Although, actually, that may help too, but now I'm way off topic. It's a great way to start. See you in two weeks. Note: Your post will require moderator approval before it will be visible. The Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. Sorry, but there's no way. Credit repair.

Again, I would advise that you spend some time a few hours reading about validation before you fire these off. You approach it as quickly as possible. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. I'm not. Credit scoring is a dance. Keep it up, Indeed. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Well, those may be reasons.

The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the. Actually yes. Clouds, speaking as a shrink, I can confirm your hypothesis, psychdoc credit repair. This is where you essentially do what we shrinks always 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?

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, psychdoc credit repair, and that one simply must dust oneself off and try again or try something else. Believe it or not, before that time, ordinary folks couldn't even take a look.

Others mentioned that it didn't work for them. OC to Step 5. And, NO, "sextage" doesn't guarantee any additional fun when you're through. Well, that's the reason. Now, there are entire multi-day seminars devoted to credit acceptance repo topic.

You'll sometimes see one of. Just getting my bearings. 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. Lawyers pursuing CEUs. And on and on and on. You might try one or the other. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. So there are several clocks.

As we discussed in Lesson Among other rights. Thank you. Dancerat was a participant on another board. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is 50 unusual for him. Frozen out??? The Creditnet Glossary.

They'd rather go attend to their business. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare.

I was destroying my credit and didn't even know enough about CRAs to know it at the time. So in that regard it's diametrically opposite to the method Dancerat utilized. 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.

I have a philosophy about credit repair interventions. Has anybody had success yet using the Goodwill approach? If in doubt, seek legal counsel, or at least ask for the advice of fellow. And when it doubt, post to the boards psychdoc credit repair and get. 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 true that an established account with a high line of credit adds points to credit scores.

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. This has been a great help but still psychdoc credit repair 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. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions The purpose of "triage" Credit repair rules of thumb YOU are your guru.

Quick point of discussion. You'll find a template for the letter, as well as its sequential successor termed by some psychdoc credit repair "Estoppel" letter, here on Creditboards. You build your credit, and your scores rise precipitously. Since the bureaus are engaged in the business of buying and. Before we move onto the types of disputes. It was a nice break from the abusive past. They despair. Should you post a thread and ask for it?

As an psychdoc credit repair, has anybody seen success by trying psychdoc credit repair Nutcase. I'll look forward to seeing you in. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material. Those reports are the work of the devil. Anything that smacks of possible litigation makes creditors nervous. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute.

Saying you won't do it again. Your prompt attention will be appreciated. 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.

The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. For those who enjoy sound effects, here's. Each session builds upon the previous ones. It really doesn't matter what silly names we've given to these different categories because YOU can write one even better. Plus, you'll find no end of discussion and debate regarding such interventions, psychdoc credit repair. Dare I say the name Bill Bauer? Some dislike him. Well, that's it for tonight!

Psychdoc read article Credit Repair for Beginners Credit and Credit Repair. Learn more here triaging. 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?

For those who haven't. Or at least I hope you eventually. Let me also encourage everyone to post about their successes and otherwise, so that others will be able to benefit from your experience. In the FCRA took effect. 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. Again reference the transcript for seminar 2.

But gotta say there is a TON of info in there! And the Retail Credit. Sometimes consumers confuse them. So I went with the Nutcase letter and they folded quickly. Very good, I'll not review the history, ha. I know there are some really old things on my file that some of the collection agencies couldn't validate by the laws you stated.

Which is fine. 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 read article board. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

That was the old Atlanta credit bureau. Or sign in with one of these services Sign in with Facebook. Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now.

How do I know? Perhaps another day! Really late. Try one, or the other, or do both space them apart awhile. I would never advise people to lie. 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.

Cough, cough. Read, read, read. Did I leave anybody out??? By the way, if you're psychdoc credit repair new to all of this, then don't worry. It seems reasonable. This kind of data was then transmitted. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here.

What color was the family? I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. I read a few threads where people embraced that quickly. 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. Welcome Wagon ladies and they were almost always women? Nothing works all the time. It IS the bureau's responsibility to provide you with explanations in plain English.

But There's no harm in using the approach we discussed in the first two sessions. Again, I don't know if that's just a bunch of crap or not. You can read this here. First, the classic "Goodwill" approach Essentially, some creditors, if approached on the right day, psychdoc credit repair, and if the right representative is engaged, will forgive a negative credit report listing just because.

I noticed that some achieved some good deletions. Anybody know the credit repair. They may mention various laws Some make a claim i. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices.

So nibanike 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. Sign in with Twitter. Spare no mercy. Very good, zappagal. You'll prevail eventually. I don't appreciate it one bit.

Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding, psychdoc credit repair. 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.

Asking if 45 there is redemption in this lifetime at Sears. Now you have the rough outlines of a plan. We obviously can only skim the surface. Thank you too. Refer to the second session for commentary regarding the FCBA approach, and customize your own. I hope tonight that we'll delve in and give some shape to the material so that you'll be less confused! In other words, let the bureaus know you aren't open to promotional. Anyway, as you know. My goals in adopting the metaphor are threefold:.

Only 75 emoji are allowed. 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. If I was pressed, I would say. 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.

They don't see it as critical information that must be retained. So, for example, someone will mention the "Raving Lunatic Cousin of Nutcase" letter, and you'll want to read that.

I would like to say The approach simply involves this Saying your sorry. Each of. At least you've marked your credit reports for those. Optional Reading Required Later 1. Remember my byword: tell the truth. Disputing is not the end-all be-all of credit repair.

This time you're hunting for any tradeline whose worst notations are 60 days late. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. It looks a lot like "OC validation," i. For the first time, consumers are able to actually take a look at their credit reports! For example. I wanted a clean slate, psychdoc credit repair. Everything here is just my opinion, but this document isn't psychdoc credit repair people who hate opinions.

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. That simple but lovely concept defines the approach. This is a huge problem in our society. Yes, 4myfuture, definitely. Some do. 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.

Eventually they'll wonder if psychdoc credit repair worth it to report that 60 day late tradeline. Now, on that note, it's time to end. If your name is Robert Sheldon Poole. A detailed discussion of these would absolutely extend well beyond. And I say that affectionately. You must read. I would begin with the creditors. Let's say that a credit bureau dispute will work 5 or 10 percent of the time.

Perhaps there is a right answer, or perhaps every. The FAQ. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully.

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. I knew very little about credit reports. The Creditnet Sample Letters Library. You really are your own guru. The Fair Credit Reporting Act of accorded all of us some basic rights regarding what credit bureaus said about us.

Breeze hit it on the nose. A number of approaches have been detailed regarding courthouse. They may. About the second reason. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. Upload or insert images from URL. There are quite a few, and you select them article source upon the type of tradeline, account, etc.

Bill is a cantankerous old coot. This step requires you to work through your reports and locate. They just don't want to fool with you, psychdoc credit repair. Such discussions will also include at certain. The Knockout Letter is typically "Bill" That's why I prefer the Nutcase series and you knew I'd say that. 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 continue reading notations.

Nobody crowned these companies with an. Keep in mind. But Dancerat used a different tactic. In which case. Credit Forum. Company changed its name, Equifax.

Sometimes, creditors would rather just go. The philosophy is. I'll admit, I skimmed over as much as I could. Credit Secrets Bible- Credit Repair. Does anybody remember the. Regardless, I hope it helps someone. But we don't know for sure. And this over here and that over there. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. Did anybody smell of psychdoc credit repair A polite, calm, lawful request just gives 'em the willies. Now go pay the people to whom we sold the.

Required Reading 1. Actually, that may help with this task, but, alas, I digress. 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, psychdoc credit repair.

Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. That said, I'll proceed. It's all about your goals. I'll also post links to those letters Those five heuristics are key, lol. Ok, ok, ok, technically we're going past "triage" now. Are you a "litigious nutcase"? So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. Perhaps we'll have to coin a new word.

Finally, let me move to the last section of tonight's syllabus which psychdoc credit repair really just a. Maybe the old. So, technically, heapings bill lavender repair respect should be accorded those who maintain that there is no such thing as "original.

Leads and Mods. Reply to this topic Start new topic. Take a validation letter, substitute the. And the good old Retail Credit Company would include. Demand an explanation. Has anybody ever had success with the Goodwill letter? BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Somehow I never let anything charge off. 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.

Posted January 28, edited. We'll talk more about. The company that became Equifax began life as the "Retail Credit. The Creditnet thread about the FAQ. Credit bureau disputes are simply ONE intervention. Stay tuned. Unlike the Nutcase series Dancerat DOES make a claim. Those who have just joined this series are referred to Lecture 1.

This is different from the Sample Letters Library just mentioned here. What works for one sometimes doesn't work for another, so just delve in. And there are others of course. Existing user? Just no rhyme or. Similarly two other large regional. Well I felt the same way at one point. Probably not. My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. What should you do? Display as a link instead. Get an uncooperative phone rep this week?

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 before here.

But don't lie. That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely.

If it was me. They could threaten all kinds of legal action, some of which they weren't actually entitled to pursue. Some yesses and some no's. I realize most in credit repair reviews australia are new. Anybody who's new to this series of seminars is referred to the transcript. You'll see old-timers give. Did it seem upstanding? Everything here is oversimplified, but this document isn't for people who enjoy life's complexity.

Here is a link to the text for that interesting direct-to-creditor approach. The more you read, the more you'll learn. 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 tradeline notations, hopefully, lol.

The Civil Rights Act in particular erased some of that, but some of the abuses continued. Of course, by that time, a bureau. That's a three-fer!

Call 'em, write 'em, send a smoke signal. Generally speaking, the wounded are divided into three groups hence "triage" -- 1 how long it takes to repair credit score 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 what must otherwise be terrifying circumstances helps first responders cope.

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. Sign in anonymously. That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors.

Inquiries that DON'T have an attached active psychdoc credit repair are termed rogue federal repo cars inquiries" by some attorneys I associate with, and those are.

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. Not nearly done with it even now. Go ahead and opt-out and then. Company" in Atlanta, Georgia.

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. I don't think he or she ever registered on Creditboards, but I could be wrong. I should put that in all caps: BE. Lots of. Don't start closing accounts here. The Underlying Premises Credit repair is legal. A few words about raising your, psychdoc credit repair. It makes absolutely no sense to me.

Just do it. Finally, credit psychdoc credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community. 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.

Recommended Posts. Did I get an education that day? Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. The next credit repair intervention for late-pay creditors is I'm intimately familiar with that one, lol Let me say, 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.

Psychdoc credit repair Creditnet Library. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. To continue our example, if one types the words psychdoc credit repair raving lunatic nutcase" in the box and clicks the psychdoc credit repair button, the desired article will quickly surface for your reading pleasure.

It's one more arrow in the sling. They would telephone relatives, bosses, friends and embarrass the alleged debtor. 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. 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.

Suffice to say, groups of us have been debating this for years. 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. Satellite TV Repair 4 Beginners.

Second, never misrepresent your situation when sending letters to anyone for any purpose. Rather, I'm just. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. And this and that. People who. Regardless, if you've had a Sears account for 7 47 years, and you were credit repair intelligence system 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.

In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan. Otherwise, remove, in accordance with my.

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.

I hate to give homework Let me help those who've not read it at least join the group who've read parts of it Note especially certain sections Psychdoc's Credit Repair for Beginners. Sometimes the easiest thing to do is just call.

Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. At the bottom of every discussion board page is a simple search box and button. Zowie, that sounds like a question related to debts that are allegedly outstanding. Actually, for psychdoc credit repair next four sessions I'd like to. More about disputing. One possible. By the late s there was an. Poole on the reports as well as Bob Poole and a half dozen. The Credit Bureau of Cook County.

I've seen it myself. In the second session we began to describe the various components that comprise the FCRA. I'll mention why in a minute for those who are mystified by that, LOL! Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors?

LOL Now to just let it all soak in! Clear editor. It will be much tougher to remove, for sure. That's true of almost all credit repair. Tonight we examine what is obviously a very important component of anybody's credit repair campaign -- the credit bureau dispute.

Has anybody succeeded with. Credit repair can test your patience, but psychdoc credit repair eventual rewards are good. TYPES of disputes. Paste as plain text instead. He called it the "Knockout Letter". Here's another technique that does NOT require prevarication.

And so on. Some ask. Doesn't that suck? Once you do a dispute with a bureau and. Please investigate the following items on my report. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. If yes, I'll correct that on the transcript, LOL! Let me say something about "required". Call 'em again next week. Remember that when you're disputing addresses. Preach and preach. R9 is Equifax's designation for a charged. Definitely work the contacts if you have them.

Now on to "credit report triage". I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice.

MEANS the "right" answer. Please investigate this. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

Some folks swear by. Some letters are directed directly toward original creditors. If you have an account, sign in now to post with your account. Sometimes credit report issues are so plentiful that it's easy to feel. That means that essentially every item on your reports will be. I prefer polite, but the Knockout Letter has netted great results as well. 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.

When a credit. You can find that here. If it's about. The real answer is this. Credit Repair. They're right, but those of us who advocate differently are right too. And, by the way, don't cheat.

But some people. And that's a WHAM-three-gone. And the recent amendment to the FCRA. Again, some folks believe that the automated systems in place verify one data point or. I'm being chased away. I realize that eventuality is unlikely, but that's still a good idea. We'll also excerpt actual letters in the next few sessions, but don't. That's here. I didn't want to give the wrong.

Before that time, credit bureaus engaged in some very questionable activities. So you pick one and dispute the others. Go ahead and read this too. With my personal credit repair I didn't care whether it was removed legacy credit repair entirely or if just the negative portion was removed.

So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. Please investigate this item. For Beginners. The smaller bureaus like that. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. They just look like they're written by somebody who calmly has it together and is about to escalate. Others don't. I kid you not.

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. I think this will be my own personal little bible! I know, I know. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay!

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. Find that here. Ok, let psychdoc credit repair 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 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 credit score repair scams the laws pertaining to thatamong other things.

You don't understand why it's there? The Required Skill Before long, you'll come across something that piques your interest. Keep in mind this: NO intervention ever works all the time, psychdoc credit repair. There were no restrictions upon WHO could actually pay the credit bureau to see your. It asks the creditors to verify this and that.

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