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Improving your Credit and Credit Score

DoingDamage

DoingDamage

Rising Star
BGOL Patreon Investor
To all,

I have used these techniques and have improved my score by 100 pts in less than 1 year. I will share what I know and what I have used that has worked for me and others. I don't claim to be a guru of credit, but I hope this will assist people in developing a better credit score.

I'll also be updating this, as there is a bunch of info. You will need some time, dedication, and organization to make this work. This is no "fly-by-night" magic spell to fix everything. But, hopefully it will educate you and better prepare you to become a winner in the game of Credit.

Alright Son! Lets get busy on this credit shit.​

http://creditboards.com/forums/index.php - become a member so you can search it and find stuff. This is a invaluable site. Make sure to bookmark it or make it one of your favorites.

Ok. Now thats done, lets get started. This may seem like a lot, but really its not. Keep in mind, this is stuff you do over the next couple of months.
 
1) Opt-Out. There is a phone # to call (1-888-567-8688) to do this. This keeps the CRA's (Credit Reporting Agencies) from selling marketing lists which include your information. Helps keep the Popup-collections to a minimum.

2) Pull your credit from myfico.com. You can go here: http://creditboards.com/forums/index.php?showtopic=30893 and pull up the last page for discount codes. You can get all 3 reports for under 40bucks, usually. And only pull your credit every 30 days. It makes no sense to pull it if nothing has been done or changed.

Some places such as freecreditreport.com offer a monitoring service that gives you all 3 credit reports with their score for around 15 bucks a month. Keep in mind, that freecreditreport.com is owned by Transunion and your scores reflect Transunion's scoring method, which can actually be incorrect for your Equifax and Experian scores.
 
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3) Prepare a letter to each of the 3 CRA's, TransUnion, Experian, Equifax asking them to delete all addresses/names other than your current one. (Incorrect, never lived there, etc). This takes away one method of verification when you dispute, if that negative is tied to that old address or name. (sample letter below) I have included all the address of the 3 CRA on that sheet (everyone has issues with Transunion, so don't worry about them). Just include one and delete the other 2 (so you should have 3 letters). Also, include a copy of your drivers license and a copy of a bill with the same name and address as your license (if your license contains your middle initial, use your middle initial and a bill that uses your middle initial and matches your address on your license). This will also give you free copies of your credit reports that you will need for account numbers and other info.

Send these letters CERTIFIED MAIL with Signature Requested. Keep a copy of the receipt for your records. This should cost about 4 bucks and some change per letter.


Sample Letter

DoingDamage
666 Satan St.
Lawrenceville, GA 30044


January 14, 2008

Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000

Experian, NCAC
PO Box 9556
Allen, TX 75013-9556

Equifax Credit Info
PO Box 105518
Atlanta, GA 30348-5518


Dear Consumer Relations:

Going over my credit report, I have found it contains many errors. I request your investigation of the following "personal information". Please see the attached photo copy of my driver’s license for your reference. For the record:

1. My name is: DoingDamage. Please remove all other name variations IMMEDIATELY as they are not accurate!

2. My current address is:
666 Satan St.
Lawrenceville, GA 30044

Please remove all other addresses IMMEDIATELY as they are not accurate!

Please delete these disputed items. Thirty (30) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.



Sincerely,



DoingDamage
SS #: 666-66-6666
DOB: 10/31/77
 
4) Prepare a listing of all negatives on each report, and gather details as best you can. Date it first went delinquent, date of last activity, etc. You will need these dates to figure the reporting period and if appropriate, when the legal SOL (Staue of Limitations) expires. The laws are different in every state, so find a source and read it ** IF this method doesn't help you out. **


5) Dispute all collections first. Wait till after you have changed your addresses on your credit reports (30 days from receipt). Then its time to attack the Collection Agencies. Write to the collection agency itself and request any documentation that they have that proves that you owe them any money or are obligated to pay them (AND MAKE SURE NOT TO SIGN THE LETTER). Ask them for any document you have signed with them stating that you owe them something or received any services from them. Request from them that they need to send you proof within 30 days of notice, or they shall report it to all the credit agencies that this item should be removed. If they do not, threaten to sue them. I have included a sample letter that worked for me. Most likely, they will not respond. Wait 30 days after you received confirmation they got it, and send a dispute letter to your credit agencies. It should come off nice and easy!




DoingDamage
666 Satan St.
Lawrenceville, GA 30044


January 22, 2008

BUREAU OF COLLECTION REC

7575 CORPORATE WAY
EDEN PRAIRIE, MN 55344

Account #: *******


To whom it may concern:

In a recent review of my credit report, I noticed that your company has placed an erroneous and derogatory entry, claiming that I owe you $13800.00. I have no account with you, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since you saw fit to place this item on my credit report, you obviously have all the information you need in order to investigate and correct your error.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from your compliance officer does not constitute a valid validation of this debt. Be advised that I am NOT requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,



DoingDamage
 
6) Start disputing bad credit info thats no older than 2 years. The more recent the negative statement on your report, the more it effects your credit score.

This is how you do it: dispute only 2 to 3 items at a time. But, it works more effectively if you dispute specific items within those accounts. For example, dispute the amount owed, dispute the days late, dispute the type of account, etc… Do about 4 line items per account. You can dispute various trade line items. Below is an example of the items:


- This is Not a Data Factoring account. Please remove this.
- It is reported as an "Open" account, which is false. It should have a status of "Closed". Please remove this.
- It reports a One Month term which is false. Please correct or remove this.
- The Estimated date of removal for the CA does not match the date that the original creditor, reports. The Original creditor is reporting 9/2010. Please correct or remove this.
- The Date of First Delinquency with the Original Creditor is not provided Please provide this.
- The Date of First Major Delinquency with the Original Creditor is not provided Please provide this
- It has never been 120 days late Please remove this.
- It is listed as a loan. They have never provided me a loan. Please remove this.
- No payment was made in 2/2007. Please remove this.
- It is listed as an installment account, which is false. Please remove this.
- The Balance is not correct. Please correct or remove this.
- The end of the seven year reporting period should be listed as 09/2010. Please correct or remove this..


I have attached one of my dispute letters below. Send these to the Credit Reporting Agencies (Trans Union, Equifax, Experian). Some came back as being verified, but when I checked my credit report, they were removed. Shit worked for me!!!


Sample Letter



DoingDamage
666 Satan St.
Lawrenceville, GA 30044


June 4, 2008

Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000


To Whom It May Concern:

In a recent review of my credit report, I have noticed some errors. Pease make the following changes:

Verizon Wireless - South, Account # *****

1. The Date of First Delinquency is not provided. Please provide this.
2. The end of the seven year reporting period should be listed as 12/2010 and not 01/2011. Please correct or remove this.
3. The High Balance of $888 is not correct. Please correct or remove this.
4. It is reported as an “Open” account, which is false. Please correct or remove this.



Whitney National Bank, Account # *****

1. The Date of First Delinquency is not provided. Please provide this.
2. The end of the seven year reporting period is not provided. Please provide this.
3. The Date Closed of Mar 2006 is incorrect. It should be Jan 2006. Please correct or remove this.
4. It has never been 30 days late. Please correct or remove this.


In the event that you can not verify the details of these accounts, please remove these damaging accounts from my credit report. Also, I formally request a procedure process report. If you can verify the information you have listed as accurate, I would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Your failure to comply with my request constitutes a major violation of FCRA.




Sincerely,



DoingDamage
SS#: 666-66-6666
 
7) If those disputes don't work, write letters to the Creditors (the business that you have the account with). Ask them to provide you with validation that you indeed owe them any money or have been late. Ask them specifically to provide you with proof that you have been late such as dates when every bill was sent out, any notifications sent, any verification that you received those letters, any call logs, etc... Ask them to provide you with a copy of the contract you signed. Request from them that they need to send you proof within 30 days of notice, or they shall report it to all the credit agencies that this item should be removed. You don't want to be hostile with the original creditors, because if their stuff is in order, you may have to send a goodwill letter to them (more about that later).

7a - OK, if they validate all the stuff (which I doubt), you may wanna try the goodwill approach. Write a goodwill letter to them explaining that you are trying to fix your credit and they have the power to report negative items or not (goodwillLetter below). See if you can work out a deal with them to where you pay off the balance and in return, they delete it from your credit report - and make sure to get it in writing before you pay them anything. You may have to try a couple of times or get a managers name and send the letter to them. The worse thing that will happen is that you can get on their nerves and they'll delete it just so they don't have to hear from you again.

7b - If they don't validate it, or the time has surpassed 45 days, write a dispute letter to the 3 CRAs. Include that you have been in contact with this creditor and that have not validated this debt. Ask them to verify that the information which the creditor issued is accurate. Also, request a procedural letter, asking who they talked to or who they contacted and how, to verify this debt. 99 times out of 100, it will be deleted off your report.


Goodwill Letter

To whom it may concern:

I have been a Ass&Titty Loans customer since February of 2005 and during that time, I have enjoyed my experience with Ass&Titty greatly. I am writing to see if you would be willing to make a "goodwill" adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account that date back to January 2007. Since that time I have been an exceptional customer paying every month on time, and most times more than the payment requested.

Because of my exceptional payment history over the last year, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was affected by xxx and moved to several different cities and also changed jobs. I did not receive my statements until February 2007 and did not know of any delinquencies to your company. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Ass&Titty is willing to work with me on erasing this mark from my credit reports.

I have been a very happy customer in the past and hope to continue a long relationship with Ass&Titty. With today’s credit industry so competitive, I know how important it is to maintain good relationships with customers. Ass&Titty has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ass&Titty is heads above the rest. I look forward to your reply.



Sincerely,

DoingDamage
 
8) Next, time to attack inquiries. If you have inquiries that you have not authorized, they should not be on your report. Inquires stay on for 2 years. If you see some that are on there, write a letter to the CRAs (Credit Reporting Agencies - i.e. Equifax) stating that you did not authorize this inquiry and they need to remove it. If they don't, contact the company itself and ask them to provide you with written documentation that you have signed or authorized them to access a copy of your report. After they respond, then write a dispute letter again to the CRAs.

Sample Letter

Dear Creditor:

During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by YOUR COMPANY on DATE, 2003.

As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumer’s record.

Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a ‘permissible purpose’ I am writing this letter.

I don't recall applying for credit or employment with YOUR COMPANY.

From the FCRA � 616. Civil liability for willful noncompliance [15 U.S.C. � 1681n]

"Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater."

Also from the Fair Credit Reporting Act:
� 617. Civil liability for negligent noncompliance [15 U.S.C. � 1681o]

(a) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1) any actual damages sustained by the consumer as a result of the failure;
(2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.

Please explain your permissible purpose for your obtaining my credit file.


I look forward to hearing from you to resolve this in an expeditious and amicable manner.


Sincerely,

DoingDamage
 
9) Once you cleaned everything you could off your report, its time to establish new good credit.

Best way is to get a credit card. Make sure that when you get one, pay it on time and don't use more than 30% of the Credit Limit (if your credit limit is $1000, don't let your balance get above $300). Also, I use Google Calendar. Anytime I get a bill, I open it and look for the due date. I put that on my Google calendar at least 5 days before its due and have Google Calendar email me a reminder.

To find out what credit cards you probably can get, go here (after you have an account with creditboards.com), http://creditboards.com/forums/index.php?autocom=creditpulls

You can look up what people have applied for, if they were accepted, what CRA they used, and what their score was. This can alleviate all the useless credit inquires for new credit.

If your score isn't as good as it should be, try HSBC credit cards (they'll give a credit card to a roach, but you probably will have to pay a annual fee). If you sign up for an annual fee, use the card for a year and then cancel it once you got other cards. Also, try Capital One. I know they suck, but you can get a card and become responsible.

After you get about 2-3 cards, do not apply for any more credit for another 6 months. Make sure you are paying your bills on time and keep the utilization rate under 30% (or lower). I got a HSBC card for 300 and a Capital One card for 300 and a Macy's card for 300. After a year, my HSBC is still only 300 (Fucking hate them, bout to cancel). My Capital One is at 1000. And my Macy's is 2500.

After having those cards for a year, then apply for some other ones. I got a Discover for 5000, 2 Master Cards (2800 and 3500), an Amex Blue (1500). I'm a member of the 700 club. And, I just bought my girlfriend's engagement ring (they offered my a credit limit of 9500).

Just make sure your on top your shit from now on!!!
 
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To wrap it up,

this shit worked for me. For more problems, go to credit boards and read, read, and read. It has a lot of useful information. I could never get my Student Loan late payments off (Student Loans are back by the government - almost impossible to get that shit off).

other tips

Make sure to keep 3 credit cards (revolving) below 30% utilization
Have at least 1 installment account (car note)
Have 1 mortgage on your account
Keep your inquires low
If theres a late payment over 2 yrs old, it doesn't effect your score by much (less than 10 pts).
The longer you keep your credit clean, the better your score! A Patna of mine got a fucking 820 (had good credit for the past 7 yrs).
Live within your means and Pay Shit OFF!!! I got only 2 credit cards with an outstanding balance!


Hope this helps, and please add to it if you have good info.

Preciate the time, and good luck on your shit!
 
thanks man!! But I don't think that you can send certified letters to P.O. boxes, I'm not 100% sure about it, but I don't think that you can, I could be wrong.
 
thanks man!! But I don't think that you can send certified letters to P.O. boxes, I'm not 100% sure about it, but I don't think that you can, I could be wrong.
 
billybob2 said:
thanks man!! But I don't think that you can send certified letters to P.O. boxes, I'm not 100% sure about it, but I don't think that you can, I could be wrong.
Click to expand...

yes you can, whoever picks the mail up for the credit bureau will sign for it.
 
billybob2 said:
thanks man!! But I don't think that you can send certified letters to P.O. boxes, I'm not 100% sure about it, but I don't think that you can, I could be wrong.
Click to expand...

Just wanted to let you know you can send certified letters to P.O. Boxes...I am in the business of credit repair and he is 100% right!:yes::yes::yes::yes:
 
bump for the evening crew. Get yo shit together for next year.

This is the best time to dispute things on your credit, during Christmas where most people are out shopping.
 

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