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Improving your Credit and Credit Score
- Thread starter DoingDamage
- Start date
Props!
Bump.
Buy lil shit and Pay it off when the bill comes
Buy lil shit and Pay it off when the bill comes
Hey Damage quick question...
So if I send in the dispute letter to the collection agency right??? Then I wait 30 days??? So do I send the dispute letter AND the certified copy slip to each of the three creditors???
So if I send in the dispute letter to the collection agency right??? Then I wait 30 days??? So do I send the dispute letter AND the certified copy slip to each of the three creditors???
Hey I got different address on my credit reports to send disputes to for Equifax. I pulled all three of mine for free in June.
Equifx Information Services, LLC
PO Box 740256
Atlanta, GA 30374
Is the one you have a better place or is it just old???
Great post!
I've been a member of creditboards for years and everything DoingDamage has posted has been on point.
There are other little tips everyone can use but I suggest going over to CB to get them.
Also, what everyone should realize is YMMV (your mileage may vary)! Meaning if someone with the same credit score and debt as you and do the same procedures they may have different results.
I've put plenty of people on to the self credit repair route.
My best achievement: A coworker/ friend going from mid 500s to low 700s in a year.
My worst achievement: A female I was dating go from high 400s (yes her shit was that fucked up) to mid 600s only to drop back down to the low 500s. Some people you just can't help
Remember, once you reach your target score doesn't mean you don't have to work on your credit any more. It is a life long process!
I've been a member of creditboards for years and everything DoingDamage has posted has been on point.
There are other little tips everyone can use but I suggest going over to CB to get them.
Also, what everyone should realize is YMMV (your mileage may vary)! Meaning if someone with the same credit score and debt as you and do the same procedures they may have different results.
I've put plenty of people on to the self credit repair route.
My best achievement: A coworker/ friend going from mid 500s to low 700s in a year.
My worst achievement: A female I was dating go from high 400s (yes her shit was that fucked up) to mid 600s only to drop back down to the low 500s. Some people you just can't help
Remember, once you reach your target score doesn't mean you don't have to work on your credit any more. It is a life long process!
You will send the Validation Letter (Certified Mail with Return Receipt) to Collection Agency, once you get the green slip (Return Receipt) back you will then mail the Dispute Letter to the Credit Reporting Agencies (Equifax, Experian, TransUnion).
Validation- is asking the Collection Agency to prove you owe the debt.
Dispute- You are saying saying that the account listed either not yours or that the account listed as your is not accurate.
Great thread. Creditboards is definitely that shit. It's a real good site to pick up info on building business credit too.
This is why I love the BGOL fam. This is an excellent drop and I know i'm gonna be puttin it to good use.
just think...if we all get our credit improved...we can go out and buy bigger houses....that will stimulate the economy...and the country will be saved!
the Medal of Honor is in your future!
Page has been bookmarked!
the Medal of Honor is in your future!
Page has been bookmarked!
bump
Good Shit doingdamage i bumped my shit from 620 to 700 in 6 months. Got 2 credit cards thinking about a 3rd dont know about that yet. I got a question about your girls engagement ring. How did you get your financing (through jewlwer/personal loan?) and are you paying monthly on it?
Hey Doin Damage, I just started a new credit website last week. Since you frequent creditboard.com, I'd like for you to check out my site (still under construction somewhat) and drop a suggestion or two if you can. Thanks.
www.creditrepairpremier.com
www.creditrepairpremier.com
Great thread this. Only fitting to bump.
great post! thanks for the knowledge.................................................
Good post my dude. Do anyone have advice on recieving a credit line increase? Should I try every six months? Do they check your credit before giving you an increase? My score is 746...I've only had these cards 1 year and 3 months, I requested about 7 months ago but didn't recieve it...this is with Bank of America and I've never been late paying or went over my available credit...what gives?
bump
Damn, didn't realize that this thread was still going. Happy to see people involved in getting their shit better.
Paying monthly through the bank that Jared uses. Forgot all the details. I just know the monthly payment.
If your at a 746, you should have a decent limit. If not, get another credit card. Only thing is, with the credit market the way it is today, it may not be as high as people have gotten in the past. Give it a year or 2 and it should be back up. Keep in mind, BoA is not the only bank offering credit cards. If they don't wanna up your limit, fuck em! Pay that shit off, DON'T CLOSE IT (the longer a credit card is open and in good standing, the higher your score will get), and get another CC.
Will check it out. But, I'm no guru and never claimed to be. What worked for me may not work for others. But, I know it can help out a bunch of people - thats why I posted it. But, will check it out and click on some links. You can copy and paste all the info that I said in this thread - fuck it. If I help out just one person, I would feel good.
Paying monthly through the bank that Jared uses. Forgot all the details. I just know the monthly payment.
Privy said:
If your at a 746, you should have a decent limit. If not, get another credit card. Only thing is, with the credit market the way it is today, it may not be as high as people have gotten in the past. Give it a year or 2 and it should be back up. Keep in mind, BoA is not the only bank offering credit cards. If they don't wanna up your limit, fuck em! Pay that shit off, DON'T CLOSE IT (the longer a credit card is open and in good standing, the higher your score will get), and get another CC.
F_I_N_E_S_S_E said:
Will check it out. But, I'm no guru and never claimed to be. What worked for me may not work for others. But, I know it can help out a bunch of people - thats why I posted it. But, will check it out and click on some links. You can copy and paste all the info that I said in this thread - fuck it. If I help out just one person, I would feel good.
GOOD SHIT!!!!!! Everybody, go to the site. Got a bunch of info on it, more than I could ever tell ya. Use this and credit boards for knowledge and understanding. Good Shit Finesse!
Thanks. Glad you like the site for real. Those sample letters you posted will come in handy. If I have ya permission to post em on the site, I'll make em downloadable so users can have some type of resource to dispute their negative accounts. Let me know if that's coo with you, and I'll post em up.
bump, this is good stuff.
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