Improving your Credit and Credit Score

[Tiredoflurkin]

Good drop BOOKMARKED!!!

 

[Andeyhollawho]

myFICO as of 2-13-09

TU 620

EQ 668

EX 627

Much improved from the high 500's I had in just two months.

 

[J. Rush]

uppin this knowledge

IT WORKED FOR ME!!

Thanks my brutha

 

[GodBody]

Thanks Big UP

 

[BDR]

Killer drop.

 

[mk23666]

bumpy thread we got here!

 

[Dark]

Thanks! a lot of good info here.

 

[super_glue]

Thanks man!

 

[bigreg2007]

bookmark...credit

 

[SemiOne]

bump

 

[456.North.side]

cant miss with these types of post

 

[1grownazzman]

God Info fam!! Going to put this to work

 

[greygoose]

bump


for f.y.i. where can i go to get a credit report for free from the 3 bureaus?
someone posted a link while back,i thought i had it bookmarked but i cant find it

 

[marcus]

props on this thread, i've been looking for a good credit restoration source for a minute now

 

[dolemite73]

bump


for f.y.i. where can i go to get a credit report for free from the 3 bureaus?
someone posted a link while back,i thought i had it bookmarked but i cant find it

Here you go, playa:

https://www.annualcreditreport.com/cra/index.jsp

 

[greygoose]

Here you go, playa:

https://www.annualcreditreport.com/cra/index.jsp

thanks bro

 

[DESHAUN MICHAELS]

Cool

 

[Chase Bannon]

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!

Would disputing it online be just as effective as sending a letter to dispute?

 

[Bumpee]

A few other websites that work well for checking your credit. And they're free.



www.creditkarma.com
www.quizzle.com

 

[King D]

Thanks

 

[DESHAUN MICHAELS]

Coo;

 

[KTD]

Just pay your shit on time whether it's the minimum amount just make sure you pay everything on time. DAT ALL.

 

[greygoose]

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

i have addresses where i used to live that are on my credit report. do i use this method to get rid of them from my report? at one point i had bank cards going to these addresses. i wouldnt mind deleting them though.

holla

 

[Database Error]

This is a great thread

 

[DragonXJC]

BUMP!!!


Because I just found out how much I hate this damn credit system.

Great post, I should of started following it when you first posted it. I would of taken my credit score seriously. I've had the "don't spend it unless you got it" mentality, now it's kicking me in the ass for being sensible.

 

[Les W]

BUMP!!!


Because I just found out how much I hate this damn credit system.

Great post, I should of started following it when you first posted it. I would of taken my credit score seriously. I've had the "don't spend it unless you got it" mentality, now it's kicking me in the ass for being sensible.

dope thread
dope bump

Salut

 

[darius_janus]

bump

 

[Petey Wheatstraw]

Damn!!!! Nice

 

[DragonXJC]

Credit Gurus.......is a 787 through Equifax worth anything?

 

[Andeyhollawho]

myFICO as of 2-13-09

TU 620

EQ 668

EX 627

Much improved from the high 500's I had in just two months.

My shit is way above 700 on the two I can check. You know you can't check Experian anymore. But who uses them anyway!

All thanks to what started in this thread.

 

[Andeyhollawho]

Credit Gurus.......is a 787 through Equifax worth anything?

Fico is the only score that matters because if anybody goes to pull your credit they will pull a Fico score. But if you got a 787 with Equifax they grade on a scale of 950. Fico grades on a scale of 850. So you are right around 700 Fico.

 

[RepostKing]

Sticky worthy

 

[MYSTIC]

Good Looking! Good Credit here i come!!!

 

[DragonXJC]

Fico is the only score that matters because if anybody goes to pull your credit they will pull a Fico score. But if you got a 787 with Equifax they grade on a scale of 950. Fico grades on a scale of 850. So you are right around 700 Fico.

Thanks. I checked my TransUnion and it came up to 678. So that 700 estimate is about right. I'm typing up the letters right now to dispute the only collection on my account.

 

[greygoose]

My shit is way above 700 on the two I can check. You know you can't check Experian anymore. But who uses them anyway!

All thanks to what started in this thread.

props