Psychdoc Credit Repair

The Fair Credit Billing Act requires creditors to bill. I read the old version and it was much harder to get through. That may change with this step. There is a "classic" goodwill example that I'm sure is posted to. 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.

Others mentioned that it didn't work for them. Very good, zappagal. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

I think this because sometimes I don't have the time I would like to spend reading everything. There is no requirement, read again or otherwise, that private companies must buy and sell information about you to others.

Please investigate this item. This is where you essentially do what we shrinks. 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.

Your questions likely compel the other side to wonder what you plan to do next Will you sue? And this and that.

Unlike the Nutcase series and Psychdoc credit repair Knockout tactic which do not disclaim the original underlying debt, the DanceRat approach uses a "not mine" claim.

I would begin with the creditors. 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.

I don't believe that they are honorable enterprises. 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.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Jul 25, 8. Regardless, if you've had a Sears account for 7. Moderator job requires so much 1 Hard work. One risks having the report and the account flagged. I noticed that some achieved some good deletions.

Do like Quixote suggested, don't be bashful! Disputed about 14 got about 8 removed. Keep in mind. 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. Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. 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.

Or at least I hope you eventually will be. But preachy consumers aren't violating law. I wondered why nobody else was typing, lol. I think wayhigh is correct. I feel like I'm in college reading this. Yes, 4myfuture, definitely. Dancerat. Once again, I hope I didn't leave somebody credit baltimore. Creditboards Forum Leads and Mods. Some make a claim i.

Very matter-of- fact. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. Just no rhyme or. That's the preachy approach. But after you have become familiar. About the. Unlike the Nutcase series. MEANS the "right" answer. Thank you for the condensed version! Refer to the second session for commentary regarding the FCBA approach, and customize your own. Please investigate the following items on my report.

Again, I would advise that you spend some time a few psychdoc credit repair reading about validation before you fire these off. Or you might try one and THEN the other. 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:. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts.

It costs you nothing, and statistically, about half your negatives will fall off the first time without a whimper. I want to Specifically. That simple but lovely concept defines the approach. Now, I don't want to suggest that every medical tradeline is near credit me classes repair appropriate for a HIPAA-based credit repair intervention, so, again, do some research on the board before proceeding in this regard.

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. And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. Definitely work the contacts if you have them. Rather, I'm just. How do I know? But that's for tomorrow's litigation, LOL.

MYTH 1: Credit bureaus are officially recognized entities. Holy moly. There are quite a few, and you select them based upon the type of tradeline, account, etc. 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.

The thread that connects all of these is. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. I was Starting to wonder. When we psychdoc credit repair 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.

Really, the Nutcase series uses non-angry language. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. So I went online and discovered the main credit repair. Well done Doc. Credit repair can test your patience, but the eventual rewards are good. Remember my byword: tell the truth. It's all about your goals.

Not nearly done with it even now. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. Well, that's the way the lending industry has evolved. I'll describe some of those others tonight. 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. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully.

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.

So I started reading a bunch of credit repair books. There were credit bureaus. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. It looks a lot like "OC validation," i. About the second reason. Saying you won't do it again. Maybe somebody's. Here's another technique that does NOT require prevarication. Disputing is not the end-all be-all of credit repair.

Sometimes the easiest thing repair anderson sc credit do is just call. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Some ask. Get Started. Thank you. I read a few threads where people embraced that quickly. Has anybody ever seen good results or bad from using third-party interventions?

Go ahead and opt-out and then. Remember that what's. First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? And he and in those days, it was always a he he knew you.

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. Otherwise, remove, in accordance with my. When a credit. 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.

And, yes, I mean open revolving lines. I think we can all be grateful for this wonderful community. Perhaps another day! Some yesses and some no's. And, NO, "sextage" doesn't guarantee any additional fun when you're through.

Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. 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.

More about disputing. But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc. Which is fine. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. I realize that eventuality is unlikely, but that's still a good idea. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started?

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. Somehow I never let anything charge off. You approach it as quickly as possible. Thanks for this information and I will look at using some of these principles. Would you send them the same letter that got them to remove it in the first place? I was destroying my credit and didn't even know, psychdoc credit repair.

Keep it psychdoc credit repair, Indeed. TYPES of disputes. Breeze hit it on the nose. Has anybody had success yet using the Goodwill approach? Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

The division between. But we don't know for sure. Typically, creditors don't want to be embarrassed. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. Seems credit repair nashville join, actually, that may help too, but now I'm way off topic. I didn't do it in the form of a letter like the seminar is suggesting so I really don't have a leg to stand on but I will start using the letters and save all the information in case it ends up going to court, psychdoc credit repair.

I wanted a clean slate. 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. Now on to "credit report triage" As an aside, you gotta love the internet.

Very nice, tagalong. I'm not. Oh yeah. It IS the bureau's responsibility to provide you with explanations in plain English. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

Quick point of discussion Has anybody succeeded with Validation? I started using the outline provided about a year psychdoc credit repair with almost all my scores below - they are now TUEX and EQ I'm not done fixing stuff yet. You'll prevail eventually. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

Consider this FCBA based credit repair approach. If it was me. 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 didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of people believe that, but I don't. 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.

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. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Just click for source know the credit repair.

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. Just getting my bearings.

This is a huge problem in our society. Please investigate this. Nothing works all the time. Second, never misrepresent your situation when sending letters to anyone for any purpose. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute.

Sometimes consumers confuse them. Start a thread, introduce yourself, be sure to say you're newand you will get lots of responses, I'm sure. Jul 25, Jul 26, It's so important to read, read and read again. Anybody ever had any of those? You'll see the gurus taking positions on all of that -- whether it should be. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse.

Now, where was I? Bill is a cantankerous old coot. 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. More about that two sessions from now. So fastest way to repair credit are several clocks. You don't understand why it's there?

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 psychdoc credit repair to those with scores of or above. I have found that people here really seem sincere in trying to help or advise people on what they should or should not do.

My credit. Anyway, thank you for your post as it has helped me once again. Along that line:. Third-Party Interventions. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

I have a personal philosophy about that. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. They HATE it when, psychdoc credit repair. Here's a link psychdoc credit repair the text for that:. That's true of almost all credit repair interventions though. They just don't want to fool with you.

If it's about other things ref. That may be a company's policy and the credit bureau's policy, but it's not the law. That's advice for beginners, psychdoc credit repair. Thanks again!

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. Those who have just joined this series are referred to Lecture 1. It looks like a polite document that. Cough, cough. Now I'd like to move to the last item on tonight's list of topics.

Ok, so long as we've established what we're really talking about here -- i. I have a request. In the old days You'd go visit the banker.

Let me also encourage. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start. Keep in mind this:. Very good, I'll not review the history, ha. I thought, "What the heck, I'll. They'd rather go attend article source their business. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

It proves that even when you pay off your debt it will haunt you. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. 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.

HMMM, a little about what I have done so far. I would never advise people to lie. Tonight's syllabus. 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. That's why I prefer the Nutcase series and you knew I'd say that. I knew very. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

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. But there. I'm being chased away. That's a three-fer!

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. It seems reasonable. Those five heuristics are key, lol.

I don't have to much of a strategy but, to get my credit straight. They all said that if I paid off. But Dancerat used a different tactic. Saying you had a bad moment. You're triaging. I hope psychdoc credit repair reads this and follows the pearls of wisdom. And I've given you a sense of how.

Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? A few words about when to use Goodwill versus Nutcase. That's why the most common advice you'll hear is And she's right. Jul 25, 7. I don't appreciate it one bit. Thanks man. I would suggest that this be listed on it's own rather than in FAQ.

It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Who you probably went to church with. That's why. Others don't. Dare I say the name. Are you a "litigious nutcase"? It's a great way to start. It's one more arrow in the sling. 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. The Knockout Letter is typically "Bill".

Sorry, but there's no way around it. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Here is a link to the text for that interesting direct-to-creditor approach. A CBer posted this. Are you Starting to get my point? Thanks in advance for any advise. Please facilitate this lawful request within 30 days.

Remember my Creditor Heuristics. I know that I have asked a few collection agencies to provide me with all the information about the debt and they just quit calling but it is still on my record. They DON'T tell us something else, though. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline. 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.

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

Actually yes. So in that regard it's diametrically opposite to the method Dancerat utilized. First, the classic "Goodwill" approach. I will have to digest it all. Not to mention that it's hellish on your fiscal health. Incidentally, that's the stated rationale for credit scoring as well. It's all about persistence. My thinking was faulty. 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?

Let me cover the next topic on. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

And what's gossip? Unfortunately I didn't get to. My entrance into credit repair. I don't want join. credit repair affiliate program $100 consider represent this as the "correct" way, or the "right" way, or the "only sensible" way, or anything of that sort. Quoting from the second session of 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 psychdoc credit repair as agreed; math 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.

The legal counsel at. Get an uncooperative phone rep this week? Ok, let me just end by encouraging everyone to search Creditboards for references to these. Before we move onto check this out types of disputes.

But I fear that. 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. 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. Saying your. A polite, calm, lawful request just gives 'em the willies.

Keep up the good work. LOL Now to just let it all soak in! He called it the "Knockout Letter". 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 credit union federal repo cars tinker up and move forward! The approach simply involves this. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. 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, psychdoc credit repair.

Tonight I'm going to thank the owners of other sites for all they do. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. But the short of it is.

The forum. I would like to say think it's simply "just because". This time you're hunting for any tradeline whose worst notations are 60 days late. Well I felt the same way at one point. If I was pressed, I would say. Doesn't that suck? I'm intimately familiar with that one, lol. 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.

Other intervetions. 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. And I say. 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 gotta say there is a TON of info in there! I'll admit, I skimmed over as much as I could. I wish there was a "right" answer. Is this legal for them to do, and if so then what do you do about it? It is a truly great synopsis of what newbies like me should do to get started. This has been a great help but still need 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.

Thank you too. 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. You profess to just not understand.

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.

In two weeks, psychdoc credit repair. So I went with the Nutcase letter and they folded quickly. 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.

Has anybody ever had success with the Goodwill letter? And there are others of course. And when it doubt, post to the boards here and get 26 advice.

People with LOW utilization scream "responsibility" to them. It asks the creditors to verify this and that. Gossip is, at best, a list of unproven allegations, and that's all a credit report is. They're right, but those of us who advocate differently are right too. They just look like they're written. Clouds, speaking as a shrink, I can confirm your hypothesis. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? 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.

Sometimes old timers get so set it their ways, that they forget the basics. Once again, I thought it would be useful to recognize the. Some dislike him. See you in two weeks.

Rather, it's about you and others. 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. Those kinds of tradelines fall under the purview of the.

Asking if. R9 is Equifax's designation for a chargedoff or collection revolving account. That created quite a stir on the board. Had recommended that you intervene with the. Once you do a dispute with a bureau and. I'll mention why in a minute for those who are mystified by that, psychdoc credit repair, LOL!

I've seen it myself. Bill Bauer? Call 'em, write 'em, send a smoke signal. I think this will be my own personal little bible! I hope something here was useful for somebody tonight!

Now go pay the people to whom we sold the debt. Really late. Remember that when you're disputing addresses. That said. And some examples you can. Business Bureau. I'll also post links to those letters. I taught developmental psych as a grad student back in the day, gotta have a. 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. The jiu jitsu of dealing with creditors is to use. Get Started!

When your results come back, you'll know where to start doing the hard work. Did I get an education that day? It pays to know the laws, of course. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus. I casually mentioned one type of dispute in the very first. Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just.

Anybody who's new to this series of seminars is referred to the transcript, psychdoc credit repair. Instead, what I'm saying is Start by Starting.

More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Zowie, that sounds like a question related to debts that are allegedly outstanding. I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice.

That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. 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.

Jul 25, 6. Credit bureau disputes are simply ONE intervention. 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.

It makes absolutely no. About the comment "low-hanging fruit". Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Of, the six I have one is child support, and the others are credit cards that came back verified. We have seen lots of good responses for Nutcase with. Each of those notations reflects a particular credit repair procedure. 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.

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. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. If yes, I'll correct that on the transcript, LOL! There is a common continue reading to all of these direct-to-creditor interventions, and we'll.

NO intervention ever works all the time. And that's a WHAM-three-gone. 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.

Your prompt attention will be appreciated. There's no rule of. Also, do I send these letters to the collection agency itself or is this something that I send to the bureau's to dispute the debt? This is where you need to do your homework — search the board for the basic template. We'll talk more about. Demand an explanation. Actually, that may help with this task, but, alas, I digress.

It really doesn't matter what silly names we've given to these different categories. Actually, for the next four sessions I'd credit repair cost to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out???

There is actually a series of them. Call 'em again next week. They don't see it as critical information that must be retained. Well, that's it for tonight! They may. But there I go talking about flossing again. Try one, or the other, or do both space them apart awhile.

And this over. I guess I am one article source the newbies you are talking about. You know, I still consider myself a newbie and I've been reading for a couple of months now. Anything that smacks of possible litigation. Preach and preach. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Just do it. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner, psychdoc credit repair. The next credit repair intervention for late-pay creditors is. You build your credit, and your scores rise. Spare no mercy. I was finishing up my doctorate, and I had lots of student loans. Whether people follow the suggested advice is up to them.

Nutcase series. I don't think he or she ever registered on Creditboards, but I could be wrong. Lots of very smart people have opinions. Those reports are the work of the devil, psychdoc credit repair. Plus, you'll find continue reading end of discussion and debate regarding such interventions.

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.

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. 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. That's not how the. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring.

As an aside, has anybody seen success by trying the Nutcase series yet? But don't lie. With my personal credit repair I didn't care whether it was removed. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation.

But that wasn't the primary consideration. Dancerat was a participant on another board. Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further.

And I was late. 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.

A few words about raising your credit score, psychdoc credit repair. Dancerat DOES make a claim. 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.

You might try one or the other, 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.

Finally, psychdoc credit repair, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru.

Suffice to say, groups of us have been debating this for years. I continued merrily Then of course I. I was just a guy with a bunch of late pays. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. They include:. Re: PsychDoc's Credit Repair Primer I don't global repair services if you are newbie or an old timer, you still need to read this and follow it.

Jul 25, 9. Again, some folks believe that the automated systems in place verify one data point or. From some of the comments on here it seems like even after you dispute it and they take it off they can still add it back on later.

Of course, by that time, a bureau dispute may have done the job. Some folks swear by. They may mention various laws. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. 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. You have to decide what you're comfortable with. Sometimes you. So nibanike That's fantastic be persistent.

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

A quick thought, couldn't an html pro like yourself post links to the hall of fame letters, litigious nutcase, Christi's 48 hours til suit, Quixote's raving cousin etc The library is great for generic dipute letters, but most folks will at some time need to pull out the big guns.

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

More about that two sessions from now. Jul 25, 2. Last edited by a moderator: Jun 16, Today's Featured Deals. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original.

Some do, some don't They would then make careful notes about the family. Rather, it's about you and others. Well, that's it for tonight! From some of the comments on here it seems like even after you dispute it and they take it off they can still add it back on later. That's advice for beginners.

People who. That's why the most common advice. Instead, this was intended to be helpful to that individual who shows up for the first time and needs a little welcome diatribe that points toward the yellow brick road. Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

By the way, if you're completely new to all of this, then don't worry. For those who are new to all of. But that wasn't the primary consideration. Jul 25, 7. By the way, does anybody here ever listen to Dave Ramsey? 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.

You know, I still consider myself a newbie and I've been reading for a couple of months now. Did it seem upstanding? Clouds, speaking as a shrink, I can confirm your hypothesis. Of course, by that time, a bureau dispute may have done the job. Although, actually, that may help too, psychdoc credit repair, but now I'm way off topic.

Or you might try one and Psychdoc credit repair the other. And he and in those days, it was always a he he knew you. At least you've marked your credit reports for those. Each of those notations reflects a particular credit repair procedure. Plus, you'll find no end of discussion and debate regarding such interventions. Just do it. 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.

Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens, psychdoc credit repair.

There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. 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. Thank you too. This is where you need to do your homework — search the board for the basic template. I realize that eventuality is unlikely, but that's still a good idea.

Nobody wants to be reminded to floss after brushing. If you get to the point where you can write posts that are helpful to others and you WILL eventually if you end up addicted like so many of us, lolthen your helpful posts will speak for themselves.

That simple but lovely concept defines the approach. Upload or insert images from URL, psychdoc credit repair. That's advice for beginners. There are many approaches to debt, but here are two wide categories:. OC to Step 5. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. I'll mention why in a minute for those who are mystified by that, LOL! Has anybody ever had success with the Goodwill letter? Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. R9 is Equifax's designation for a charged.

I know there are some really old things on my file that some of the collection agencies couldn't validate interesting credit repair advisors with the laws you stated. Credit repair success stories that.

Such discussions will also include at certain. And, psychdoc credit repair, by the way, don't cheat.

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. Spare no mercy. Does anybody remember the Welcome Wagon ladies and they were almost always women? Well, that's it for tonight! Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. 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!

And by the. Now, there are entire multi-day seminars devoted to the topic. This has been a great help but still need 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.

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.

Interestingly, this approach has a credit repair benefit: your credit scores will rise. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. This time you're hunting for any tradeline whose worst notations are 60 days late. They're right, but those of us who advocate differently are right too. Let me say something about "required". Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

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.

Sorry, but there's no way around it. 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. Not to mention that it's hellish on your fiscal health. 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.

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. 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.

OH NO. Orman says so, LOL. I'll admit, I skimmed over as much as I could. R9 is Equifax's designation for a chargedoff or collection revolving psychdoc credit repair. Attempting to be an "expert" after a month on the board may well cheat you out of some good advice that somebody else doesn't offer because they figure you already know everything they have to say.

Still, so-called "experts" don't know everything. LOL yep. Refer to the second session for commentary regarding the FCBA approach, and customize your own. Thank you too. But there I go talking about flossing again. Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out??? Confronting what appears on your credit reports, psychdoc credit repair, 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.

The philosophy is. First, psychdoc credit repair, 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. Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. 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. Now on to "credit report triage" As an aside, you gotta love the internet. I know that I have asked a few collection agencies to provide confirm.

credit repair letters to credit bureaus amusing with all the information about the debt and they just quit calling but it is still on my record, psychdoc credit repair. Or you might try one and THEN the other.

There are the false positives. That was mentioned before in this primer, but it's worth repeating as a Tip for Better Living. In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge. Your questions likely compel the other side to wonder what you plan to do next Will you sue?

Cough, cough. Maybe it should be added to the FAQ thread? Now Suze doesn't know much about credit. For those who enjoy sound effects, here's.

Strive for experience. Rather, it's about you and others. How will you do it? Sometimes old timers get so set it their ways, that they forget the basics. It's a must read. By the way. There were credit bureaus. Well I felt the same way at one point. 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 is the way to your credit 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.

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. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal. The following sentences should not substitute for your doing just a few minutes of homework and reading the rationale here on the.

Or at least I hope you eventually will be. But There's no harm in using the approach we discussed in the first two sessions. 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. I've seen it myself.

You really are your own guru. 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.

Breeze hit it on the nose. I apply for credit, how many points will an inquiry take. Strive to help others. MORE likely to default. They're right, but those of us who advocate differently are right too. Note: Your post will require moderator approval before it will be visible. 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.

That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman.

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 You'd go visit the banker. Jul 25, 3. 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. 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.

And when it doubt, post to the boards here and get 26 advice. Those reports are the work of the devil. They DON'T tell us something else, though. And, interestingly, those people are in the majority. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

Let's say you have. 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. Keep a set of "clean" originals in a file somewhere, though, just in case you ever need them as evidence in a court proceeding. There were credit bureaus. And, NO, "sextage" doesn't guarantee any additional fun when you're through.

There are three general approaches:. Any consideration of improving your credit scores will. I realize most in here are new. How do I know? Also, like the first "debt snowball" approach, the focus isn't on your credit score.

Refer to the second https://creditrepair.wtf/credit-repair-secrets.html for commentary regarding the FCBA approach, and customize your own. I hope something here was useful for somebody tonight! Although, actually, that may help too, but now I'm way off topic. Has anybody succeeded with. You're triaging. 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!

Sorry, but that credit repair financial remarkable no way. CAN'T do. I think this because sometimes I don't have the time I would like to spend reading everything. But that's for tomorrow's litigation, LOL. Second, never misrepresent your situation when sending letters to anyone for any purpose. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. 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. Thank you. In the second session we began to describe the various components that comprise the FCRA. Quick point of discussion Has anybody succeeded with Validation?

More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Spare no mercy. I think this will be my own personal little bible! This is where you need to do your homework — search the board for the basic template. You can post now and register later. Not to mention that it's hellish on your fiscal health. Are you a "litigious nutcase"? You approach it as quickly as possible. LOL,Here's what you see. I didn't do it in the form of a letter like the seminar is suggesting so I really don't have a leg to stand on but I will start using the letters and save all the information in case it ends up going to court.

You've got to struggle to improve your rating your reports, your. 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.

You might try one or the other. One possible. I recommend at least listening to what he has to say even if you. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Doesn't that suck? Again, I would advise that you spend some time a few hours reading about validation before you fire these off. Plus he's entertaining. Are you a "litigious nutcase"? I've seen it myself. That may be a company's policy and the credit bureau's policy, but it's not the law. The problem is. That said, I'll proceed.

So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation. Forgive me if I failed. But gotta say there is a TON of info in there! 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.

So it all depends upon your. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Even worse, you may offer up some expert advice that's wrong. GOOD credit after your credit repair succeeds. That's true of almost all credit repair. Finally, every single item on a psychdoc credit repair report merits FCRA verification by requesting same from a credit bureau.

Ok, that's it. 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.

Keep in mind this heuristic. Thank you, psychdoc credit repair. Clear editor. Suffice to say, groups of us have been debating this for years. I especially like the 'let yourself be a newbie'. And, NO, "sextage" doesn't guarantee any additional fun when you're through. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future psychdoc credit repair. Try one, or the other, or do both space them apart awhile. Hopefully, it's not just more confusing noise, though.

Sometimes, creditors would rather just go. And when it doubt, post to the boards here and get. I would never advise people to lie.

Well done Doc. Just do it. You're triaging. 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. 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. 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.

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. Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues.

That means that essentially every item on your reports will be. 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.

Jul 25, 6. Ok, so long as we've established what. As an aside, has anybody seen success by trying the Nutcase series yet? Whether people follow the suggested advice is up to them.

Just in case. Who you probably went to church. If yes, I'll correct that on the transcript, LOL! I hope everyone reads this and follows the pearls of wisdom. 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.

And on and on and on. With apologies to "nutty" here, ahem. Now, overall. Well, that's the way the lending industry has evolved. This time you're hunting for any tradeline whose worst notations are 60 days late. 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.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

Tonight I'm going to thank the owners of other sites for all they do. Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. I don't believe that they are honorable enterprises. Quick point of discussion. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau.

I hope something here was useful for somebody tonight! If your goal is to reduce debt as quickly as possible, then you may not be. The "Goodwill Letter" saw its origins in a letter penned by "marci" an occasional credit repair orleans on these boards which she called her "Sample Nice Letter for Paid Chargeoffs.

It proves that even when psychdoc credit repair pay off your debt it will haunt you. First, let me ask a trick question. Of course, by that time, a bureau. People with LOW utilization scream "responsibility" to them. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline.

Of course, as long as we sheep believe, LOL. If it was, providing it along with the rest of your credit report might not. I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. Moreover, none of the "experts" I know here are entirely comfortable with that label. But that's for tomorrow's litigation, LOL. But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc.

Sometimes, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Again reference the transcript for seminar 2.

OPEN accounts contribute to the score. Strive for your own personal success. Unfortunately, other. But there I go. We'll also excerpt actual letters in the next few sessions, but don't. It almost goes without saying that the wealthiest people and the wealthiest corporations, psychdoc credit repair, for that matter have little debt and lots of money. Each of. Good luck to you!

If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. And, yes, I mean open revolving lines.

Thanks for this information and I will look at using some of these principles. It's all about persistence. Actually, that may help with this task, but, alas, I digress. They DON'T tell us something else, though. I have found that people here really seem sincere in trying to help or advise people on what they should or should not 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.

A number of approaches have been detailed regarding courthouse. I should put that in all caps: BE. I would never advise people to lie.

Now go pay the people to whom we sold the. LOL Now to just let it all soak in! If in doubt, seek legal counsel, or at least ask for the advice of fellow.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. Would you send them the same letter that got them to remove it in the first place? Jul 25, 4. One risks. You apply for revolving credit and keep a low balance. I realize that eventuality is unlikely, but that's still a good idea.

Anyway, thank you for your post as it has helped me once again. Paste as plain text instead. You can get the dancerat letters that are gone in the psychology. Those reports are the work of the devil. The problem is In any grouping like that There are the false positives And, interestingly, those psychdoc credit repair are in the majority To quote myself one last time:"So does this sound kosher?

At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches. Like, for example, a banker's social. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. So life wasn't rosy for everyone. It's all about helping banks determine who is in the.

Likewise, psychdoc credit repair, if you goal is either of the first. 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. Perhaps there is a right answer, or perhaps every. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Doesn't that suck? 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.

Does anybody now. I don't want to represent this as the "correct" way, or the "right" way, or the "only sensible" top flight credit repair, or anything of that sort.

While all three of these are worthy objectives, they are very different. Ok, ok, ok, technically we're going past "triage" now Perhaps we'll have to coin psychdoc credit repair new word Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? If it's about other things ref.

Is this legal for them to do, and if so then what do you do about it? In which case. This alone really helps how to get the repair ball rolling when you are feeling overwhelmed and don't know where to start.

Now go pay the people to whom we sold the debt. Go slow. You approach it as quickly as possible. This is different from. Jul 25, 5. 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, "psychdoc credit repair". Or at least I hope you eventually. Take a validation letter, psychdoc credit repair, substitute the, psychdoc credit repair.

MYTH 1: Credit bureaus are officially recognized entities. I kid you not, psychdoc credit repair. Of course, as long as we sheep believe, LOL More info 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 of or above.

And what's gossip? 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. Actually, psychdoc credit repair, that may help with this task, but, alas, I digress. If you have an account, sign in now to post with your account. My goals in adopting the metaphor are threefold:. 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.

Incidentally, psychdoc credit repair, that's the stated rationale for credit scoring as well. Display as a link instead. 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. It's all about persistence. You might try one or the other. 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.

This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Kit credit repair you have the rough outlines of a plan.

In the old days You'd go visit the banker. Not nearly done with it even now. Finally, does this work when contesting an account that was charged off or is it just for current collection accounts? Finally, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. 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.

Credit scoring is a dance. A detailed discussion of these would absolutely extend well beyond. 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.

Second, never misrepresent your situation when sending letters to anyone for any purpose. For those who haven't. And I and some lawyers I've spoken with believe that when a credit bureau includes texas custom credit repair credit score, they may be breaking the law. 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.

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 psychdoc credit repair 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. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

Finally, let me move to the last section of tonight's syllabus which is really just a. The real answer is this. What color was the family? Now on coast credit repair plano tx "credit report triage". Did anybody smell of alcohol? 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.

Which federal law. And she's right. That may change with this step. Anyway, as you know. That may change with this step. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? Are prediction and speculation and comparisons with other consumers fair items to include in a.

Suffice to say, psychdoc credit repair of us have been debating this for years. Lawyers pursuing CEUs attend those We obviously can only skim the surface In most states, lawyers and other professionals have to engage in a certain number of hours of continuing education in order to 36 retain their licenses to practice.

You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards. Well I felt the same way at one point. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

That status comes with time and experience. And, yes, I mean open revolving lines. When you become more comfortable with your. You'll sometimes see one of. 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. Gossip psychdoc credit repair, at best, a list of unproven. I know, I know. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

But that wasn't the primary consideration. That simple but lovely concept defines the approach. When you speak with the nice customer service person. But he represents a viewpoint. The disadvantages of this first approach are, psychdoc credit repair.

Ok, ok, ok, technically we're going past "triage" now. I have a philosophy about credit repair interventions. Cough, cough. How do I know? Which brings us to credit scoring. 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.

Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping. This was not intended to be a credit repair how-to, so there's nothing in this primer about various techniques, letters, strategies, etc. The more educated you become to credit repair, psychdoc credit repair, the more you'll find yourself entering into the many excellent debates regarding law, approaches, philosophy, and even attitude.

The Fair Credit Reporting Act of Before that time, credit bureaus engaged read article some very questionable activities. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys I associate with, and those are.

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. Perhaps we'll have to coin a new word.

Also, do I send these letters to the collection agency itself or is this something that I send to the bureau's to dispute the debt? Credit Forum. Now, on that note, it's time to end. See you in two weeks. I said it. Try one, or the other, or do both space them apart awhile. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt.

Incidentally, that's the stated rationale for credit scoring as well. Sometimes credit report issues are so plentiful that it's easy to feel. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Similarly, knowing that there is an organized way to proceed with any endeavor psychdoc credit repair one get past the fear of starting any sizable task.

ReportingAct became law in the early s. That's true of almost all credit repair interventions though. But avoid striving to impress. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news.

Maybe the old. And he and in those days, it was always a he he knew you. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure.

A few words about raising your credit score. That isn't my approach. Good job on this primer. 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. 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.

Thanks to PsychDoc's techniques I went from crappy credit six years ago to buying a house one year ago. Don't start closing accounts here. Stay tuned. Who you probably went to church with. 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.

As an aside, has anybody seen success by trying the Nutcase. Eventually they'll wonder if it's worth it to report that 60 day late tradeline. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. Clouds, speaking as a shrink, I can confirm your hypothesis.

That may be a company's policy and the credit bureau's policy, but it's not the law. A few words about raising your. Has anybody ever had success with the Goodwill letter? This step requires you to work through your reports and locate. Let's say that a credit bureau dispute will work 5 or 10 percent of the time. By the way, Equifax includes their handy "R9" or "I9" designations, can credit repair help will help make short work of this task with that bureau's reports.

His is an extremely compelling argument. It will be much tougher to remove, for sure. But what that. The advantage of this approach is obviously the cost savings. That an. Expanding these 1 Is your long term goal to accumulate wealth? Those of us who appreciate 12 Step Programs are welcome to say the Serenity Prayer now.

One risks having the report and the account flagged. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. They despair. Kindly sit with the tension for a moment, and I'll get back to it in a few minutes.

For example That was the old Atlanta credit bureau. 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. Each session builds upon the previous ones. Plus, you'll find no end of discussion and debate regarding such interventions.

It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

If it's about. I didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of people believe that, but I don't. In the old and repair credit quick easy. Breeze hit it on the nose. Only 75 emoji are allowed. He's an anti-debt fanatic.

But note the following.

Some yesses and some no's. It was a nice break from the abusive past. First, the classic "Goodwill" approach. Https://creditrepair.wtf/phase-one-credit-repair.html 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.

Posted October 12, Thank you! Along that line:. Believe it or not, before that time, ordinary folks couldn't even take a look. It's all about persistence. Thank you. At least you've marked your credit reports for those tradelines which may be appropriate for one of these approaches.

Posted April 18, Posted April 20, Posted April 30, Posted July 8, psychdoc credit repair, Posted August 19, So Useful. Was there a man in the house? Strive for your own personal success. Plus, you'll find no end of discussion and debate regarding such interventions. What do you think? The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.

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. Demand an explanation. I've seen it myself. And when it doubt, post to the boards here and get 26 advice. I was just a guy with a bunch of late pays. Perhaps there is a right answer, or perhaps every wizened old-timer has a piece of the truth.

In a nutshell, no medical provider wants to entertain the possibility that their credit bureau report has violated your federal privacy rights. I realize that eventuality is unlikely, but that's still a good idea. Each of those notations reflects a particular credit repair procedure. 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.

Kindly sit with the tension for a moment, and I'll get back to it in a few minutes. I was destroying my credit and didn't even know. Tonight we'll delve into dealing with some of the nastiest people on planet earth. Great, a few people. Posted June 13, Posted June 22, Posted June 23, Others may disagree.

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. I taught developmental psych as a grad student back in the day, gotta have a.

Phase 1: Newbie Training. 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 repair credit fresh start a credit repair organization Again reference the transcript for seminar 2. Others don't. Please investigate this. Ok, let me just end by encouraging everyone to search Creditboards for references to these.

Are you a "litigious nutcase"? Lawyers pursuing CEUs attend those We obviously can only skim the surface In most states, lawyers and other professionals have to engage in a certain number of hours of continuing education in order to 36 retain their licenses to practice.

I especially appreciate all of WhyChat's comments and advise regarding how to use this statute. One risks having the report and the account flagged. If in doubt, seek legal counsel, or at least ask for the advice of fellow travelers on the board. Now, there are entire multi-day seminars devoted to the topic.

It pays to know the laws, of course. Once again, I hope I didn't leave somebody out. Second, never misrepresent your situation when sending letters to anyone for any purpose. It looks a lot like "OC validation," i. My entrance into credit repair. Third-Party Interventions. At your house. Posted January 28, edited. But I fear that. Now, on that note, it's time to end I'll look forward to seeing you in two weeks when we talk more about FCRA interventions you can employ with the bureaus.

Most people begin experiencing substantial improvements pretty quickly, though! It really doesn't matter what silly names we've given to these different categories. Some make a claim i. Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started?

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. I wanted a clean slate. Maybe somebody's. And this over. Let me cover the next topic on. Dare I say the name. I'll cite a few more for the transcript.

Please investigate the following items on my report. So, technically, heapings of respect should be accorded those who maintain that there is no such thing as "original creditor validation. I knew very. Generally speaking, the wounded are divided into three groups hence vip credit repair -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 vegas credit repair las 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.

Retail Credit grew and became the primary bureau in the southeast, and they had a snugly relationship with Welcome Wagon. Quick point of discussion Has anybody succeeded with Validation? 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.

A few words about raising your credit score. Finally, let me move to the last section of tonight's syllabus which is really just a simple reminder You really are your own guru. I hope something here was useful for somebody tonight! Does anybody remember the Welcome Wagon ladies and they were almost always women? Families not headed by a male were considered by some bankers to be less creditworthy and more risky.

Phase 3: In the Thick of Things. 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.

See you in two weeks. In two weeks. Not to mention that it's hellish on your fiscal health. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most.

Holy moly. These do not. I want to Specifically. Note especially certain sections. Some not. Did anybody smell of alcohol? Introduce yourself. And this and that. But there I go talking about flossing again.

This kind of data was then transmitted back to headquarters And the good old Retail Credit Company would include stuff like that on your credit report. Now I'd like to move to the last item on tonight's list of topics. I kid you not. Share this post Link to post Share on other sites. And there are others of course. 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.

The thread that connects all of these is. Others mentioned that it didn't work for them. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. They may mention various laws. It looks like a polite document that, psychdoc credit repair.

Keep in mind that the nutcase series of letters is aimed at forcing a https://creditrepair.wtf/credit-repair-mcallen-tx.html paid creditor to demonstrate that the late-pay notations in your credit file are:.

Of course, by that time, a bureau dispute may have done the job. You build your credit, and your scores rise. It's a great way to opinion credit repair fresno amusing. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's.

With my personal credit repair I didn't care whether it was removed. During this period, post on the board but learn to "search" first per this primer's Required Skill remarks. But after you have become familiar. The Fair Credit Billing Act requires creditors to bill. You'll find a template for the letter, as well as its sequential successor termed by some the "Estoppel" letter, here on Creditboards.

How do I know? Had recommended that you intervene with the. That's why I prefer the Nutcase series and you knew I'd say that. You're triaging. Try not to be an instant expert. I hate to give homework. Spare no mercy. That said. This was lot of great info to read! People with LOW utilization scream "responsibility" to them.

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. Among other rights. Really late. Remember my byword: tell the truth. So I went with the Nutcase letter and they folded quickly. 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.

Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? Creditboards Forum Leads and Mods. I noticed that some achieved some good deletions. Actually, that may help with this task, but, alas, I digress.

Collectors should NOT give information about you to third-parties friends, family, coworkers, etc. Or you might try one and THEN the other. I would like to say think it's simply "just because". There is actually a series of them. This is tough. You'll see the gurus taking positions on all of that -- whether it should be. 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.

Well, that's it for tonight! You approach it as quickly as possible. Please facilitate this lawful request within 30 days. It makes absolutely no.

If yes, I'll correct that on the transcript, LOL! Very nice, tagalong. You want to know who I am. Now go pay the people to whom we sold the debt. If you get to the point where you can write posts that are helpful to others and you WILL eventually if you end up addicted like so many of us, lolthen your helpful posts will speak for themselves.

Has anybody had success yet using the Goodwill approach? 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?

I continued merrily Then of course I. Just no rhyme or. Otherwise, remove, in accordance with my. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task.

Clouds, speaking as a shrink, I can confirm your hypothesis. 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. Regardless, if you've had a Sears account for 7. Here's another technique that does NOT require prevarication. And I was late. They'd rather go attend to their business. Saying your.

There is a "classic" goodwill example that I'm sure is posted to. 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. I casually mentioned one type of dispute in the very first. Collectors can't telephone you at work if you tell them not to. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your best game plan.

Typically, creditors don't want to be embarrassed. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is.

Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation? And the Retail Credit Company changed its name, psychdoc credit repair, Equifax.

By then you just let it go, but everytime you see that other person on the board there's that strange feeling of enmity that you probably wish wasn't there. Posted September 7, Wired All Wrong. He called it the "Knockout Letter". They DON'T tell us something else, though.

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. 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. I thought, "What the heck, I'll.

This time you're hunting for any tradeline whose worst notations are 60 days late, psychdoc credit repair. Very good, zappagal. About the. Still, so-called "experts" don't know everything. It's one more arrow in the sling. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. And, NO, "sextage" doesn't guarantee any additional fun when you're through. The jiu jitsu of dealing with creditors is to use.

I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. That created quite a stir on the board. They just look like they're written.

Strive to help others. Very matter-of- fact. Citibank once removed a bad student loan tl for me when the customer service reps said "no way" " Punch" next session -- psychdoc credit repair a variant on validation.

There's no rule of. As an aside, I have learned to HATE it when a relative or neighbor says this to me whenever I've experienced a problem being a husband, parent, etc. This is where you need to do your homework — search the board for the basic template.

And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline. NO intervention ever works all the time. That's advice for beginners. And the ones who don't. But Dancerat used a different tactic. What works for. That may change with this step. Try one, or the other, or do both space them apart awhile.

The Civil Rights Act in particular erased some of that, but some of the abuses continued, psychdoc credit repair. Unfortunately I didn't get to.

Tonight I'm going to thank the owners of other sites for all they do. Well I felt the same way at one point. Business Bureau. 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. 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 psychdoc credit repair one.

Remember my Creditor Heuristics. Asking if. 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. Has anybody ever seen good results or bad from using third-party interventions? A polite, calm, lawful request just gives 'em the willies.

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. Those reports psychdoc credit repair the work of the devil. We'll also excerpt actual letters in the next few sessions, but don't wait for that Eventually they'll wonder if it's worth it to report that 60 day late tradeline.

About the comment "low-hanging fruit". Breeze hit it on the nose. Sometimes you. Here's my thinking. I'm intimately familiar with that one, lol. And so on In the FCRA took effect. Bill Bauer? Did it seem upstanding? Yes, 4myfuture, definitely. Remember what I said about expert arguments, simplicity, and opinions? As we discussed in Lesson 2. I read a few threads where people embraced that quickly.

Your questions likely compel the other side to wonder what you plan to do next Will you sue? 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. You want to know that you actually incurred the debt once upon a time. Those kinds of tradelines fall under the purview of the. 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.

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

The smaller bureaus like that The old Chicago bureau Reply to this topic Start new topic. 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 of or above.

Just do it. Once again, I thought it would be useful to recognize the. But there. It makes it easy to print, study and mark up. So I went online and discovered the main credit repair. Anything that smacks of possible litigation. Those five heuristics are key, lol.

Look for that in this section. That simple but lovely concept defines the approach. That law was enacted in order to protect all of us. 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. Here is a link to the text for that interesting direct-to-creditor approach.

Ultimately, the more you know, the better you'll be able to decide how YOU feel about any number of controversial issues. Phase 2: Plotting Your Strategy. Your prompt attention will be appreciated. That's why. I didn't want to give the wrong impression that credit repair was mostly about credit bureau disputes Lots of people believe that, but I don't.

Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. 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, psychdoc credit repair.

Please investigate this item. Ok, some people here have achieved expert status, lol. Nothing works all the time. Which is fine. I would never advise people to lie. Inquiries that DON'T have an attached active tradeline are termed "orphaned inquiries" by some attorneys Topic credit repair books opinion associate with, and those are much easier to remove Still, inquiries are tough period as you know.

It asks the creditors to verify this and that. Posts that say stuff like "I can assure you that FICO is solely an Equifax product" won't make you too many friends, lol. Just enjoy your newbie stage. Dancerat was a participant on another board. Did I get an education that day? I don't think he or she ever registered on Creditboards, but Credit fort worth could be wrong. Strive for experience.

Many CAs will oblige. Those who have just joined this series are referred to Lecture 1. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years.

I'll also post links to those letters. You have to decide what you're comfortable with. 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.

Posted February 10, Posted March 7, Thanks Mark! I wondered why nobody else was typing, lol. If it's about other things ref. The Knockout Letter is typically "Bill". They would telephone relatives, bosses, friends and embarrass the alleged debtor. Recommended Posts. 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. All of us are human. Some dislike him. Collectors can't call check this out 9 pm or before 8 a.

They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! Meanwhile, consumers are netting credit report deletions, irrespective of the technicalities.

For example That was the old Atlanta credit bureau. Nutcase series. 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!

Keep up the good work. Posted April 26, Posted June 12, Colin Scott. And I and some lawyers I've spoken with believe that when a credit bureau includes a credit score, they may be breaking credit repair law. Or at least I hope you eventually will be. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. The approach simply involves this. 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 https://creditrepair.wtf/how-much-does-your-credit-drop-for-a-car-repo.html lots of time and money in the long run.

Posted October 18, Posted March 10, This is great. And some examples you can. Moreover, none of the "experts" I know here are entirely comfortable with that label.

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. They could threaten all kinds of legal action. Really, the Nutcase series uses non-angry language. But that's for tomorrow's litigation, LOL. So I started reading a bunch of credit https://creditrepair.wtf/become-a-credit-repair-specialist.html books.

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. 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.

Remember that what's. Doesn't that suck? For the first time, consumers are able to actually take a look at their credit reports! Psychdoc credit repair, but there's no way around it. Sometimes credit report issues are so plentiful that it's easy to feel 28 like one is about to fight a war of sorts. Cough, cough. And I've given you a sense of how. They HATE it when. 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.

Ok, moving along in the syllabus. 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. Actually, for the next four sessions I'd like to recognize those hard-working and heretofore thankless Creditboards Forum Leads and Mods Did I leave anybody out???

I was finishing up my doctorate, and I had lots of student loans. So technically, it's true One possible semantic solution I've recommended Whichever position appeals to you, you should know that sending a stock validation letter to an original creditor does 33 not abridge your rights as a consumer in any way.

Moderator job requires so much 1 Hard work. I think wayhigh is correct. They include:. 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.

Threats, etc. Read it tonight or tomorrow, LOL. The legal counsel at. I wish there was a "right" answer. And if not the devil, then at least the work product of corporate drones who probably care less about your personal welfare. I don't appreciate it one bit. The forum. I'll mention why in a minute for those who are mystified by that, LOL! I don't believe that they are honorable enterprises. A CBer posted this.

Thank you too. Bill is a cantankerous old coot. I have a personal philosophy about that. You might try one or the other. 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.

It IS the bureau's responsibility to provide you with explanations in plain English. 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. This is where you essentially do what we shrinks. Keep in mind this:. That's not how the. Finally, every single item on a credit report merits FCRA verification by requesting same from a credit bureau. Since we're. A number of approaches have been detailed regarding courthouse notations A detailed discussion of these would absolutely extend well beyond the parameters of a beginner's seminar, but the boards contain many relevant discussions worth exploring.

That's true of almost all credit repair interventions though. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Dancerat. Has anybody ever had psychdoc credit repair with the Goodwill letter? Dancerat approach actually disputes certain aspects of the underlying debt, psychdoc credit repair, so this should be used carefully.

Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just. Sometimes, psychdoc credit repair, creditors would rather just go ahead and delete a severe late mark than risk or waste their time tangling with you any further, psychdoc credit repair.

Refer to the second session for commentary regarding the FCBA approach, and customize your own. 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. Although, actually, that may help too, but now I'm way off topic. They all said that if I paid off. My credit. 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.

Some of the abuses were essentially erased by the civil rights legislation of the s. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. Try to be nice to other Creditnet members. 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.

Posted April 24, Good stuff, Keep up the good work! Anybody ever had any of those? I hope tonight that we'll delve in and. Anyway, Phase 2 can take as little as a few hours to a few days. What color was the family? Definitely work the contacts if you have psychdoc credit repair. TYPES of disputes. You don't understand why it's there? And I understand they're pretty nasty on that other planet too. I can think of 3 different people with whom I strongly wish I'd interacted differently. Quoting from the second session of 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 psychdoc credit repair 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.

Some do, some don't They would then make careful notes about the family. You profess to just not understand. There were no restrictions upon WHO could actually pay the credit bureau to see your information. Credit repair can test your patience, but the eventual rewards are good. But avoid striving to impress. 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. R9 is Equifax's designation for a chargedoff or collection revolving account.

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.

This is a huge problem in our society. As an aside, has anybody seen success by trying the Nutcase series yet? 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. Unlike the Nutcase series. Somehow I never let anything charge off. I'm being chased away. Keep it up, Indeed.

Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. I'll describe some of those others tonight.

So in that regard it's diametrically opposite to the method Dancerat utilized. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. Now on to "credit report triage" As an aside, you gotta love the internet. 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. 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.

And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. Consider this FCBA based credit repair approach. If you inform a CA that you no longer want them. Tonight's syllabus. I think we can credit repair springs be grateful for this wonderful community.

They're right, psychdoc credit repair, but those of us who advocate differently are right too. You want to know that I actually own the debt I claim I do.

Zowie, that sounds like a question related to debts that are allegedly outstanding. A few words about when to use Goodwill versus Nutcase. But preachy consumers aren't violating law. I fondly remember the beginning when I knew nothing. Allow yourself time to be a newbie. My thinking was faulty. You're itching to get started. Rather, it's about you and others. So nibanike That's fantastic be persistent.

Now, interestingly Now don't just go and dispute something like that off just because In which case Credit scoring is a dance. More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. For most people the designated newbie period should be from two to four weeks.

You've indulged your newbie-ness for a few weeks, and you've spent a lot of time reading the board. You'll prevail eventually. Saying you won't do it again. They're found at the FTC site. Saying you had a bad moment. Say, "Hi, I'm Joe, my credit stinks because I was a fool or because of tragic circumstances beyond my control, etc.

By the late s there was an uproar, and Congress finally passed the FCRA in order to help all of us. We have seen lots of good responses for Nutcase with, psychdoc credit repair. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that.

That's the preachy approach. The Fair Credit Reporting Act of Before that time, credit bureaus engaged in some very questionable activities. By the way, there's so much material that I hate to gloss over but this is.

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. But the short of it is. The next credit repair intervention for late-pay creditors is.

Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. Suffice to say, groups of us have been debating this for years. Even psych PhDs, lol. 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?

It's all about your goals. Perhaps another day! Let me also encourage. There is a common thread to all of these direct-to-creditor interventions, and we'll. Preach and preach. Dancerat DOES make a claim. There's no harm in using the approach we discussed in the first two sessions It will be much tougher to remove, for sure. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. And I say. Here's a link to the text for that:.

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.

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.

They just don't want to fool with you. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors. Lots of very smart people have opinions. In the second session we began to describe the various components that comprise the FCRA. Very good, I'll not review the history, ha.

And, yes, I mean open revolving lines. But don't lie. That means that essentially every item on your reports will be matched with at least two interventions Such discussions will also include at certain points what some term "the one-two punch" Stay tuned. Again, I would advise that you spend some time a few hours reading about validation before you fire these off.

But it can be your job to ask that your creditors comply as well, LOL.

And, interestingly, those people are in the majority. They DON'T tell us something else, though. Also, like the first "debt snowball" approach, the focus isn't on your credit score. Your expeditious handling of this matter is expected. Then we'll delve more deeply into the down-and-dirty credit repair tactics we love the most. That an. But that's for tomorrow's litigation, LOL. 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?

I've interacted with each of them through the years, all of whom have. Lawyers love. There are many approaches to debt, but here are two wide categories: 1 Wealth accumulation. LOL yep. That's really what this is about. R9 is Equifax's designation for a charged. Agreed or do it by letter, certified letter, ok. This constitutes a truthful request for information. The Creditnet Library. Most of that is interesting if you're way into it They simply don't want to fool with your lawful request for information.

Very interesting. It's their legal responsibility to maintain accurate records, and it's your right as a. Optional Reading Required Later 1. Lawyers don't say to their opponent during discovery anything like 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? How will you do it? The FAQ. Are prediction and speculation and comparisons with other consumers fair items to include in a.

First, credit repair isn't primarily about the credit. And let's further pretend that that law requires these things:. 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 of or above.

This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason. Even most court records that appear on such reports often have to do with debt.

The FCRA. Still, I hope this example illustrates the similarities among the real credit repair interventions we commonly use. Expanding these 1 Is your long term goal to accumulate wealth? Here, laws are chased and embraced -- rather than shunned and avoided. Gossip is, at best, a list of unproven.

And that same principle works for you. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local. Second, so many credit repair interventions and their co-curricular consumer protection statutes aren't directed toward the credit bureaus at all. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. 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.

My goals in adopting the metaphor are threefold:. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. So, for example, someone will mention the see this article Lunatic Cousin of Nutcase" letter, and you'll want to read that.

Does any of. He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. No, they're not required to delete.

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. By the way. Regardless, I hope it helps someone. 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.

Ok, see you in two weeks. Ensures access to credit reports. It's nice to see some new faces and some returning ones too. That's why the most common advice you'll hear is And she's right. Posted June 30, Posted October 23, Posted November 17, Posted November 29, Join the conversation You can post now and register later. By the way, does anybody here ever listen to Dave Ramsey? So, in this case, it would look something like Dear Equifax: Pursuant to the Fair Credit Simply what is the best credit repair company pity 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.

But he represents a viewpoint. You must read. Thankfully, though, when someone DOES post something like that, they're not treated disrespectfully. Nobody wants to be reminded to floss after brushing. While all three of these are worthy objectives, they are very different. It almost goes without saying that the wealthiest people and the wealthiest corporations, for that matter have little debt and lots of money, psychdoc credit repair. Gossip psychdoc credit repair, at best, a list of unproven allegations, and that's all a credit report is.

This is basically the core method for how these crazy credit repair interventions get started. 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 do repair my credit file like this: "There are three major consumer reporting agencies, Equifax, Experian, and TransUnion, and they maintain consumer records on hundreds of millions of Americans.

And of course But it can be your job to ask that your creditors comply as well, LOL. This is different from. 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.

Probably not. Specifies that CAs must always include several legal caveats in their dealings with debtors. 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.

Court records are tough. So it all depends upon your goals once again. Well, psychdoc credit repair, that's it for tonight! 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.

Should you post a thread and ask for it? In which case. They must comply with the whole act. CAs in particular would rather just move along to the next person who'll roll over. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

CAs in particular would rather just move along to the next person who'll roll over. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions Approaches to debt Two credit bureau myths Credit scores. The advantage of this approach is obviously the cost savings.

Sometimes credit report issues are so plentiful that it's easy to feel. In the old days. A credit report doesn't even enjoy the official legal status of, say, your driving record maintained at your local statehouse.

More about that in a minute. I hope something here was useful for somebody tonight! It will be much tougher to remove, for sure. If it was, providing it along with the rest of your credit report might not. 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. The Required Skill Before long, you'll come across something that piques your interest.

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, psychdoc credit repair, 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.

First, credit repair isn't primarily about the credit 18 bureaus or about credit scores. 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.

Let's say you have. First, let me ask a trick question Which federal law establishes the credit bureaus as official quasi-governmental entities? A few words about raising your. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. Asking for information violates no laws. You can find that federal statute and quite a few interesting FTC articles and commentaries about it here.

So life wasn't rosy for everyone. Posted June 13, Posted June 22, Posted June 23, Thanks, Rob. They cost less and pay more. 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.

Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. Details how a CRA must handle disputes. Consumer credit reports cannot include information about other consumers, and the credit score essentially does that.

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 https://creditrepair.wtf/credit-repair-consultants.html 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.

Street Fighting. Before, CAs. That's why the most common advice. More about that in a minute. This site, Creditboards. It's a must read. Does anybody now.

That may be a company's policy and the credit bureau's policy, but it's not the law. This was lot of great info to read! I would never advise people to lie. That may be a company's policy and the credit bureau's policy, but it's not the law. How will you do it? Like, for example, psychdoc credit repair, a banker's social. They cost less and pay more. Ok, in case you don't know who you are. Your expeditious handling of this matter is expected. Ok, 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.

To continue our example, psychdoc credit repair 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. In fact, what is advocated here is putting Federal statutes to work in the service of psychdoc credit repair your credit standing.

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

There's no harm in. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. The problem is. That's here. This is different from 21 the first obviously. They must comply. 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.

By the way Does anybody now know what I mean by that? I'll endeavor not to be a meshugana tonight. Each session builds upon the previous ones. That's really what this is about. Here's why when you use somebody else's intervention letter, that's fine but when 25, people use the same letter.

First, let me ask a trick question. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt. It's their legal responsibility to maintain accurate records, and it's your right as a consumer to ensure that they follow through in that regard. His is an extremely compelling argument. Specifies that CAs must always include several legal caveats in their dealings with debtors.

You know, I was looking. 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. And by the. Well I felt the same way at one point. How do I know? It's nice to see some new faces and some returning ones too. Plus he's entertaining. Sincerely, Joe Consumer Essentially you're asking them to document their compliance.

They DON'T tell us something else, though. By the way, does anybody here ever listen to Dave Ramsey? Doesn't that suck? Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. 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.

Any consideration of improving your credit scores will. Instead, the board administrator has prepared a myriad of excellent articles that may help you to wrap your mind around the material.

You can find that federal statute and related articles, opinions and commentaries here. You are all now honorary Jewish people. Call this example FCBA Nutcase, or call it chopped liver, or -- even better -invent your own creative approach using the statute. Now Suze doesn't know much about credit. 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. 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.

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 credit repair top send thank you notes to creditors every time they report new information to them.

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. When you become more comfortable with your. Rather, it's about conducting ethical and lawful interventions in order to further your personal consumer credit goals --whatever they may be.

Well, that's the way the lending industry has evolved. You can read this here. And what's gossip? Posted April 24, Good stuff, Keep up the good work! I don't believe that they are honorable enterprises. Psychdoc credit repair got to struggle to improve your rating your reports, your. 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.

Posted October 18, Posted March 10, This is great. Truly legal credit repair is a gradual process that takes time to complete.

With apologies to "nutty" here, ahem. 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. There is no requirement, legal or otherwise, that private companies must buy and sell information about you to others. Of course, as long as we sheep believe, LOL. Who you probably went to church.

Regulates who has "permissable. Posted October 12, Thank you! And she's right. Needless to say, all such methods risk loss of freedom, income, and community standing. Second, so many credit repair interventions and their co-curricular. More shortly. This approach. 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.

Specifically details a consumer's right to request further information regarding an alleged debt. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. You know, I was looking over the transcript for the last lesson I hope something here was useful next time we'll delve into credit bureaus and credit reports There's no harm in asking the court to verify their procedures for reporting to credit bureaus You may see some success.

Consumer credit reports cannot include information about other consumers, and the credit score essentially does that. Credit scoring is a dance. Incidentally, that's the stated rationale for credit scoring as well. Everything here is just my opinion, but this document isn't for people who hate opinions. Details how a CRA must handle disputes.

Who here has ever sent a validation letter? Needless to say, all such methods risk loss of freedom, income, and community standing. And if they don't comply with every bit of it, then they've broken the law. In two weeks, we'll discuss some overall strategies for taking a credit report, triaging it, and devising your https://creditrepair.wtf/credit-repair-car-dealership-near-me.html game plan.

And when it doubt, post to the boards here and get. Ask them to demonstrate that they abided by all laws. 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.

Allows the debtor to formally request i. But what that. Still, I hope this example illustrates the similarities among the real credit repair. If you really do head toward court eventually with some matter, you'll probably collect a few. 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 You'd go visit the banker. Provides behavioral standards for acceptible third-party collections behavior.

Call this example FCBA Nutcase, or call article source chopped liver, or -- even better -- invent your own creative approach using the statute.

R9 is Equifax's designation for a chargedoff or collection revolving account. In the old days You'd go visit psychdoc credit repair banker. I said it.

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

Everything here can be argued back-and-forth by experts, but this document isn't intended for them. 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? Posted April 26, Posted June 12, Colin Scott. Others are aimed at third-party collectors like collection agencies.

And if they don't comply with every bit of it, then they've broken the law. If such documentation cannot be provided, please remove the item from my report immediately. You can find that here. 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. But he represents a viewpoint. Who you probably went to church with. Still others are meant for credit bureaus often credit repair company 2014 "CRAs" here, which stands for "credit reporting agencies" per the Creditnet Glossary I referenced in this primer's Required Reading section.

But they have put up with a fair amount of mishegoss Their commitment to consumer advocacy is astounding. But I digress, alas. Which federal law. 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.

That's true of almost all credit repair. When you speak with the nice customer service person. 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, psychdoc credit repair, as well as a full accounting of where each bill was mailed, for the life of the read article, or rescind these reports from every consumer reporting agency to which you have reported same.

I hope something here was useful next time we'll delve into credit bureaus and. Rather, it's about you and others. One risks. Go To Topic Listing. 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. Rather, it's about conducting ethical and lawful interventions in psychdoc credit repair to further your personal consumer credit goals --whatever they may be.

And that same principle works for you. There were credit bureaus. More about that two sessions from now. Who here has ever sent a validation letter? 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. There were credit bureaus. 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.

Not to mention that it's hellish on your fiscal health. 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.

He discusses a widely advertised -- by a seemingly limitless number of companies -- method for dealing with debt. But that wasn't the primary consideration. And he and in those days, it was always a he he knew you. And of course. Inquiries that DON'T have an attached active psychdoc credit repair are termed "orphaned inquiries" by some attorneys I associate with, and those are.

At the bottom of every discussion board page is a simple search box and button. Finally, prove that you mailed the report in question to me on a Thursday, psychdoc credit repair. His is an extremely compelling argument. Most people simply dispute and re-dispute with the CRAs until they're gone. Most people simply dispute and re-dispute with the CRAs until they're gone. Hope so, lol. I apply for credit, how many points will an inquiry take. If such documentation cannot be provided, please remove the item from my report immediately.

Was anybody here who's already begun their credit repair program ever intimidated by the task when they first got started? You're simply demanding some information. 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.

This site, Creditboards. And, yes, I mean open revolving lines. Very interesting. 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.

Now, overall. 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.

I recommend at least listening to what he has to say even if you. MYTH 1: Credit bureaus are officially recognized entities. Now on to "credit report triage". They simply don't want to fool with your lawful request for information. I'll endeavor not to be a meshugana tonight. I've seen it myself. 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 visit web page financial gossip about you.

Agreed or do it by letter, certified letter, ok You're not threatening anybody. This is different from the Sample Letters Library just mentioned here. Suffice to say, this isn't what some folks want to hear. Unfortunately, other. Ok, see you in two weeks. So, back to our silly fictional federal statute. Which brings us to credit scoring.

It's all about helping banks determine who is in the. I recommend at least listening to what he has to say even if you like me aren't an anti-debt nut. CAN'T do. Most importantly, you'll be less susceptible to fiscal disaster if you have an emergency fund of real cash in case something unexpected happens. It's a must read. Truly legal credit repair is a gradual process that takes time to complete.

But that wasn't the primary consideration. 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.

This is basically the core method for how these crazy credit repair interventions get started. Now I'll turn away from such comments with a credit website browner nose and focus upon our task here.

For that. 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. The more you read, the more you'll learn. Here, laws are chased and embraced -- rather than shunned and avoided. So, back to our silly fictional federal statute. Incidentally, that's the stated rationale for credit scoring as well. Hope so, lol. If every one of us posted our "desired document of the day" here, then this board would be overrun with those requests.

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. Reply to this topic Insert image from URL. Even most court records that appear on such reports often have to do with debt. This constitutes a truthful request for information. Anyway, psychdoc credit repair you know. The Creditnet thread about the FAQ. MYTH 1: Credit bureaus are officially recognized entities.

Plus he's entertaining. Critically, your GOALS regarding debt will dictate how you go about tackling what appears on those reports. Sincerely, Joe Consumer Essentially you're asking them to document their compliance.

People who. Interestingly, this approach has a credit repair benefit: your credit scores will rise. 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. It is unfortunate, then, that these unofficial credit reports sometimes impact our lives far more than most any official document which exists.

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.

More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose. Orman says so, LOL. While all three of these are worthy objectives, they are very different. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

You're not threatening anybody. Credit repair is possible, even though some curmudgeons say it isn't. Finally, prove that you mailed the report in question to me on a Thursday. Interestingly, this approach has a credit repair benefit: your credit scores will rise. Regulates who has "permissable purpose" to acquire a consumer's report Limits how long information can be reported. Asking for information violates no laws. GOOD credit after your credit repair succeeds.

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 psychdoc credit repair might not violate federal law, which stipulates that your consumer file must only and obviously be about you.

Allows the debtor to formally request i. Ask them to demonstrate that they abided by all laws. 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.

Newest Member eastsideelz Joined 59 minutes ago. The Underlying Premises Credit repair is legal. The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones, psychdoc credit repair. Lawyers love discovery simply because of the nuisance factor. Great, ok, so I may be telling you what you already know Provides behavioral standards for acceptible third-party collections behavior.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we move forward. 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 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.

Ok, I'll stay away from inventing anymore silly statutes because we've got too many real ones to discuss as we psychdoc credit repair forward. Don't start closing accounts here. Rather, they're directed toward original creditors, debt collectors, health professionals, and others. What follows is conventional wisdom you'll see elsewhere, but I agree with it wholly. Some letters are directed directly toward original creditors.

Required Reading 1. That isn't my approach. Most of that is interesting if you're way into it. No, they're not required to delete.

So, in this case, it would look something like. Suffice to say, this isn't what some folks want to hear. You'll sometimes see the credit repair mavens LOL, argue about what constitutes true validation or which legal cases require what item, etc.

I know, I know. He's an anti-debt fanatic. Through that continuous process, Fair Isaac stays on top of the variables du jour which may diagnose bad future news. Asking for information is your right as a consumer. Credit repair is your right. Nobody wants to be reminded to floss after brushing. But I want to talk more here at the start about. This is one of the most insidious lies related to credit reports which we have embraced as a society for whatever reason.

The disadvantages of this first approach are. Tonight's seminar, the third of eight, will focus upon credit bureaus and credit scores. OPEN accounts contribute to the score. So it all depends upon your. 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.

In fact, what is advocated here is putting Federal statutes to work in the service of improving your credit standing. The second approach — reducing debt the least expensive way -- is the approach favored by people like Suze Orman. 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.

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

The disadvantage is that you can easily feel like less progress is being made especially if the most expensive debts are also your largest ones. Well, that's the way the lending industry has evolved. For those who enjoy sound effects, here's. You'll sometimes see the credit repair mavens.

I hope something here proves helpful as you approach your own credit repair. ReportingAct became law in the early s. Then, they run what we statisticians call Pearson correlations between credit report items and subsequent late-pays for each consumer grouping.

When you approach the matter this way, you aren't crafting lies. 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 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.

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

More about that two sessions from now. This approach affords psychological advantages relatively quickly because it's encouraging to repay something entirely and then move to the next one in turn. But they have put.

Find that here. 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.

Likewise, if you goal is either of the first. Like, for example, a banker's social preconceptions So life wasn't rosy for everyone. Posted September 7, Wired All Wrong. Tonight's session could easily have been the first one. LOL,Here's what you see. 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.

When you speak with the nice customer service person at Sears, and they say something like, "Oh I'm sorry, Miss Jones, psychdoc credit repair, 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.

The Required Habit Everyone who's achieved credit repair success here has invested a good amount of time reading the board. And he and in those days, it was always a he he knew you. Also, like the first "debt snowball" approach, the focus isn't on your credit score.

There are three general approaches:. 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.

If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective. Their commitment to. Similarly, knowing that there is an organized way to proceed with any endeavor helps one get past the fear of starting any sizable task. Don't be nervous, lol. Just in case Your utilization ratio is the amount you owe on a debt divided by that debt's line of credit. 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.

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. Now I'll turn away from such comments with a much browner nose and focus upon our task here. There are three general approaches: 1 Reducing debt as quickly as possible. MORE likely to default. But there I go. That's advice for beginners. The advantage of this approach is obviously the cost savings.

Posted July 8, Posted August 19, So Useful. 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. You're simply demanding some information. There are the false positives. Ok, let's assume that accumulating wealth the first category -- and so, in other words, reducing debt -- isyour financial goal.

More specifically, Fair Isaac makes use of what they call "Score Cards," which groups consumers according to whatever criteria they choose.

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. The Creditnet Sample Letters Library.

Don't be nervous, lol. Everything here is oversimplified, but this document isn't for people who enjoy life's complexity. Finally, credit repair is more than just sending a dispute to a credit bureau; there's a lot to learn in this community.

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 apply for revolving credit and keep a low balance. If your goal is to reduce debt as quickly as possible, then you may not be. Total Members. Here's a very very brief way to think about these. If becoming more financially stable is your goal, then reducing outstanding balances low should be an objective.

The Creditnet Glossary. There are many approaches to debt, but here are two wide categories:. I hope something here proves helpful as you approach your own credit repair.

That isn't my approach. 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. Read, read, read. Here's a very very brief way to think about these The FCRA Ensures access to credit reports. If it's about. Obviously, I would encourage anyone in the second category to at least begin to think about how they've embraced and accumulated debt.

And what's gossip? But There's no harm in using the approach we discussed in the first two sessions. Great, ok, so I may be telling you what you already know. I'm keeping in mind. For those who are new to all of. Go ahead and read this credit repair. He's an anti-debt fanatic. As an aside More shortly. With apologies to "nutty" here, ahem. 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.

What should you do? Just in case. Rather, it's about you and others. Specifically details a consumer's right to request further information regarding an alleged debt. The real answer is this. When you approach the matter this way, you aren't crafting lies. This approach Asking for information is your right as a consumer.

The jiu jitsu of dealing with creditors is to use.

Sometimes you. So there are several clocks. I knew very little about credit reports. That's the preachy approach. Saying you had a bad moment. They would threaten "debtor's jail" something that doesn't exist in the United States but don't travel to Uruguay! Some not. Let me also encourage. Somehow I never let anything charge off.

It makes absolutely no sense to me. Like every credit repair intervention cited so far, sometimes it works, and. Note: Your post will require moderator approval before it will be visible. The forum. Please investigate this item. Really, the Nutcase series uses non-angry language. Call 'em, write 'em, send a smoke signal. Has anybody had success yet using the Goodwill approach?

And there are others of course. Results matter. Maybe it should be added to the FAQ thread? Asking if 45 there is redemption in this lifetime at Sears. 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.

Reply to this topic Start new topic. With my personal credit repair I didn't care whether it was removed. Upload or insert images from URL. 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 by 10 to 1.

I'll also post links to those letters Those five heuristics are key, lol. Some yesses and some no's. TRW was one of the two companies that became Experian. Now, having said that, let me backtrack a bit.

A polite, calm, lawful request just gives 'em the willies. I casually psychdoc credit repair one type of dispute in the very first session. Keep up the good work. And sometimes our experts roll over a credit company can really help repair 'em.

Anything that smacks of possible litigation. Some judges despise debt collectors. I wanted a clean slate. The Fair Credit Billing Act requires creditors to bill. As we discussed in Lesson 2. I hope tonight that we'll delve in and. The legal counsel at. But don't lie. I was destroying my credit and didn't even know. I know some people here must have wondered, "Why in the hades are they suggesting I opt-out all the time, lol?

I want those who read this transcript in the future to be encouraged. At your house. 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. To make this long story MUCH shorter some very fine teachers online and off so was my brother, who was an attorney. 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.

That law was enacted in order to protect all of us. Tonight we'll delve into dealing with some of the nastiest people on planet earth.

Along that line:. The jiu jitsu of dealing with creditors is to use their motivation to benefit YOU. They're found at the FTC site. They HATE it when. Perhaps another day!

I noticed that some achieved some good deletions. It makes it easy to print, study and mark up. Really late. Keep in mind this: NO intervention ever works all the time. Dare I say the name. So I went online and discovered the main credit repair discussion board on the net in I was https://creditrepair.wtf/credit-repair-contract.html 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.

But on the other hand I am trying to read as much as I can and want to be sure that I don't make an error when I sending letters, etc. Some yesses and some no's. Dancerat was a participant on another board.

If you inform a CA that you no longer want them. 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? Very good, zappagal. My credit. Https://creditrepair.wtf/credit-repair-outsourcing-companies.html 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.

Very matter-offact. I don't think he or she ever registered on Creditboards, but I could be wrong. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee.

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. Along that line: "Dear bureau: Have you read the statistics regarding what percentage of reports include errors? This is where you essentially do what we shrinks. Or sign in with one of these services Sign in with Facebook. Note especially certain sections. Credit bureau disputes are simply ONE intervention we use.

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. 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.

Let me cover the next topic on. Remember my Creditor Heuristics. Some dislike him. Jul 25, 9. You'll see the gurus taking positions on all of that -- whether it should be. But after you have become familiar. I don't have to much of a strategy but, to get my credit straight.

Nothing works all the time. Yes, 4myfuture, definitely. Existing user? They would telephone relatives, bosses, friends and embarrass the alleged debtor. The thread that connects all of these is. I would like to say think it's simply "just because". That's not how the intervention was designed The Fair Credit Billing Act requires creditors to bill correctly and completely. I wondered why nobody else was typing, lol.

Ok, moving along in the syllabus. I don't appreciate it one bit. Which is fine. Keep careful notes in case you ever take 'em to court. I think this because sometimes I don't have the time I would like to spend reading everything.

Now I'd like to move to the last item on tonight's list of topics, psychdoc credit repair. Bill Bauer? And I've given you a sense of how.

Paste as plain text instead. It asks the creditors to verify this and that. HMMM, a little about what I have done so far. Anything that smacks of possible litigation makes creditors nervous. My entrance into credit repair. Share this post Link to post Share on other sites. Sometimes old timers get so set it their ways, that they forget the basics.

If I was pressed, I would say Go ahead and opt-out and then dispute the extra names and ALL your previous addresses. Please facilitate this lawful request within 30 days.

I've just seen positive and negative results from just about every combination, so I'm not one who offers that kind of advice. Actually yes. It looks like a polite document that. Very matter-of- fact. Anybody who's new to this series of seminars is referred to the transcript for Session 4. I don't appreciate it one bit. You know, I still consider myself a newbie and I've been reading for a couple of months now. You'll prevail eventually. I was finishing up my doctorate, and I had lots of student loans.

You want to know who I am. And this over here and that over there. I would like to say The approach simply involves this Saying your sorry. Here is a link to the text for that interesting direct-to-creditor approach.

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.

We have seen lots of good responses for Nutcase with. 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. So I went online and discovered the main credit repair. I'll also post links to those letters. 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.

There is a common thread to all of these direct-to-creditor interventions, and we'll. Very smart people on both sides of the discussion sometimes debate this. Psychdoc credit repair I went with the Nutcase letter and they folded quickly. And this over. Good job on this primer. 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.

Posted February 10, Posted March 7, Thanks Psychdoc credit repair LOL, 38 good enough, Now About the second reason Anybody know the credit repair rationale for disputing multiple names and addresses? Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law.

Instead, what I'm saying is Start by Starting. Keep it up, Indeed. If you have an account, sign in now to post with your account. I'm not going to take a side Not because I'm afraid to take sides, LOL! Others don't. Ok, let me just end by encouraging everyone to search Creditboards for references to these. Well, those may be reasons But some people believe this Since the bureaus are engaged in the business of buying and selling information about us Again, I don't know if that's just a bunch of crap or not.

That's why I prefer the Nutcase series and you knew I'd say that. Nobody crowned these companies with an 37 official tag. Preach and preach. Only 75 emoji are allowed. I wish there was a "right" answer. It pays to know the laws, of course.

And some examples you can. You build your credit, and your scores rise. Unlike the Nutcase series. There are quite a few, and you select them based upon the type of tradeline, account, etc. A quick thought, psychdoc credit repair, couldn't an psychdoc credit repair pro like yourself post links to the hall of fame letters, litigious nutcase, Christi's 48 hours til suit, Quixote's raving cousin etc The library is great for generic dipute letters, but most folks will at some time need to pull out the big guns.

Creditboards Forum Leads and Mods. But there. Well done Doc. But the short of it is. I would specifically recommend that anyone who is being pursued by collection agencies CAs read the act. It seems reasonable. I mentioned the importance of honesty Otherwise, remove, in accordance with my 40 federally protected civil rights.

Since we're. 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. 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. 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.

You can post now and register later. But Dancerat used a different tactic. You don't understand why it's there? I'll cite a few more for the transcript. It's all about your goals. The next credit repair intervention for late-pay creditors is. Some folks swear by the advice, and frankly, extra names and addresses are probably the easiest thing to remove, psychdoc credit repair.

I have found that people here really seem sincere in trying to help or advise people on what they should or should not do. 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 all the laws pertaining to thatamong other things.

Experian credit series. Saying your. Now on to About addresses, either way. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. Sure, your score may dive at first, but it's like psychotherapy Sometimes you get a bit worse before you get better. I guess I am one of the newbies you are talking about.

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. 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 a lawsuit.

I especially like the 'let yourself be a newbie'. This is a huge problem in our society. Frozen out??? And, oh by the way, if you can't comply with these lawful requests, then delete the tradeline.

Essentially, some creditors, if approached on the right day, and if the right representative is engaged, will forgive a negative credit report listing just.

My thinking was faulty I thought, "What the heck, I'll pay them Holy moly. Now we delve into the material for tonight specifically differentiate tonight's credit repair interventions from next week's. A polite, calm, lawful request just gives 'em the willies. I read a few threads where people embraced that quickly. Many CAs will oblige. And I understand they're pretty nasty on that other planet too. And this and that. Those kinds of tradelines fall under the purview of the.

I hate to give homework. When a credit removes an item, it's gone from all three bureaus in one swipe. Please investigate this item. Sign in with Twitter. It costs you nothing, and statistically, about half your negatives will fall off the first time without a check this out. Jul 25, 8, psychdoc credit repair. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current.

Recommended Posts. We don't quote that enough. You profess to just not understand. Basically, I wouldn't pay for 4 or 5 months and then I would make a big lump payment to bring it current. Maybe somebody's. Whether people follow the suggested advice is up to them. Unfortunately I didn't get to. 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.

But gotta say there is a TON of info in there! It IS the bureau's responsibility to provide you with explanations in plain English. They don't see it as critical information that must be retained. Specifically, we're going to restrict ourselves tonight to those tradelines which may show late payments reporting to your credit reports but that never.

Now, where was I? My entrance into credit repair occurred a half decade ago And I was late on all of them. Credit repair approach simply involves this. I think this will be my own personal little bible! Jul 25, 6. Otherwise, delete the negative marks you have reported to the three consumer reporting agencies within the timely manner prescribed by law. You don't understand why it's there?

The Knockout Letter is typically psychdoc credit repair. More about disputing Before we move onto the types of disputes Disputing is not the end-all be-all of credit repair. That's your consumer right. Very good, I'll not review the history, ha.

By the way, there's so much material that I hate to gloss over but this is. Get an uncooperative phone rep this week? I thought, "What the heck, I'll. That said We have seen lots of good responses for Nutcase with charged-off accounts when sent to original creditors. These do not. Bill is a cantankerous old coot. Keep in mind Once you do a dispute with a bureau and they "verify," the bureau may not entertain another dispute for awhile They may report back "previously verified.

A CBer posted this. I was just a guy with a bunch of late pays. I taught developmental psych as a grad student back in the day, gotta have a. 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.

Just no rhyme or reason sometimes. Saying you won't do it again. They'd rather go attend to their business. Some make a claim i. Some people say flatly. Did I get an education that day? It makes absolutely no. 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. 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.

Holy moly. Forgive me if I failed. I want to Specifically. Get Started. Lots of very smart people have opinions. I was destroying my credit and didn't even know enough about CRAs to know it at the time. You profess to just not understand. Definitely work the contacts if you have them. Note that it doesn't say anything about validation.

That said. Quoting from the second session of 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 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.

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. Please investigate the following items on my report. You want to know what that. That's not how the. Dancerat. BUT Some folks I respect here believe that mightily and seem to have anecdotal evidence in support of that belief.

Remember my byword: tell the truth. So in that regard it's diametrically opposite to the method Dancerat utilized. And the ones who don't. I think wayhigh is correct. Collectors can't call after 9 pm or before 8 a, psychdoc credit repair. I think we can all be grateful for this wonderful community.

Last edited by a moderator: Jun 16, Today's Featured Deals. Before, CAs would employ all kinds of shenanigans to mislead consumers regarding who they were. Read it tonight or tomorrow, LOL. First, the classic "Goodwill" approach. But preachy consumers aren't violating law. Yes, 4myfuture, definitely. Dancerat DOES make a claim. Once again, I hope I didn't leave somebody out. Rather, I'm just not sure. It's all about your goals.

Credit Forum. But don't lie. In that case, asking for a "courtesy adjustment" seems like a pretty huge stretch even for the most kind-hearted customer service employee. 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.

Just getting my bearings Had recommended that you intervene with the creditors first About the comment "low-hanging fruit" Remember that what's low-hanging with one bureau may be your toughest on another.

We roll over. They all said that if I paid off. But let me say this. So, for example, with my PHEAA student loans, I was days late several different times over a period of several years. 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.

Tonight's syllabus. 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. That created quite a stir on the board. I wanted a clean slate. There is a "classic" goodwill example that I'm sure is posted to. Regardless, if you've had a Sears account for 7. It's a great way to start. Jul 25, 4. You'll prevail eventually.

LOL Now to just let it all soak in! And there are others of course. Your prompt attention will be appreciated. Preach and preach. Did I get an education that day? So you pick psychdoc credit repair and dispute the others If your name is Robert Sheldon Poole Poole on the reports as well as Bob Poole and a half dozen others.

And, oh templates credit repair letter the way, if you can't comply with these lawful requests, then delete the tradeline. Keep it up, Indeed. Consider this FCBA based credit repair approach.

Call 'em again next week. 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. Here's another technique that does NOT require prevarication.

I continued merrily Then of course I. The division between. Good luck to you! So I started reading a bunch of credit repair books. And that's a WHAM-three-gone. Those who have just joined this series are referred to Lecture 1. Please facilitate this lawful request within 30 days. Business Bureau. Disputed about 14 got about 8 removed. Well, that's the reason. Other intervetions Some ask If it was me I would begin with the creditors.

But note the following. Ok, enough history In other words, let the bureaus know you aren't open to promotional advertisements and offers. Perhaps another day!

Has anybody ever seen psychdoc credit repair results or bad from using third-party interventions? Here's another technique that does NOT require prevarication.

Collectors should NOT give information about you to third-parties friends, family, coworkers, etc. My credit was destroyed. They just don't want to fool with you. 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:. What works for. In the last session I mentioned that it's hard not psychdoc credit repair feel a lot of empathy for folks psychdoc credit repair try something and then it fails and they feel doomed.

Jul 25, 3. Display as a link instead. Now, let me clarify a. You can get the dancerat letters that are gone in the psychology. With my personal credit repair I didn't care whether it was removed 46 entirely or if just the negative portion was removed. You build your credit, and your scores rise precipitously.

I have a personal philosophy about that. Of, the six I have one is child support, and the others are credit cards that came back verified. Clear editor. Dancerat was a participant on another board. Has anybody had success yet using the Goodwill approach?

Great, a few people. I was Starting to wonder. In two weeks. There is actually a series of them. Collectors can't telephone you at work if you tell them not to. So I started reading a bunch of credit repair books They all said that if I paid off my debts I had no "leverage. It's a great way to start.

In any case, a request for validation sometimes results in a consumer-friendly response no matter when it was sent. Asking if. They just don't want to fool with you. He called it the "Knockout Letter". So, for example, psychdoc credit repair, with my PHEAA student loans, I was days late several different times over a period of several years. 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.

They include:. This is a huge problem in our society. Typically, creditors don't want to be https://creditrepair.wtf/james-hunt-credit-repair.html. So I went with the Nutcase letter and they folded quickly.

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, and that one simply must dust oneself off and try again or try something else.

Look for that in this section. That's a three-fer! Credit repair can test your patience, but the eventual rewards are good. Here's another credit bureau intervention "Are you aware that reporting items late which were never late violates the law? You want to know that you actually incurred the debt once upon a time.

Please investigate the following items on my report. They'd rather go attend to their business. Zowie, that sounds like a question related to debts that are allegedly outstanding. Oh yeah. Sign in anonymously.

I knew very. Anyway, thank you for your post as it has helped me once again. But preachy consumers aren't violating law. Credit repair can test your patience, but the eventual rewards are good. And the REASON it was enacted was because debt collectors did and still do, unfortunately demonstrate questionable business practices. When your results come back, you'll know where to start doing the hard work.

A few words about when to use Goodwill versus Nutcase. You have to decide what you're comfortable with. Nothing works all the check this out. It IS the bureau's responsibility to provide you with explanations in plain English.

Sometimes consumers confuse them. They just look like they're written. Moderator job requires so much 1 Hard work. Please investigate this. But no law limits your.

It really doesn't matter what silly names we've given to these different categories. Sometimes the easiest thing to do is just call 'em if it's just the addresses Remember that when you're disputing addresses, you're not contesting information about account payment history. They could threaten all kinds of legal action. Posted January 28, edited. Please investigate this. Jul 25, 5. But we don't know for sure. 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.

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. I don't like the "Not mine" dispute for other reasons, and I'll mention those in a minute. It looks a lot like "OC validation," i. Some judges will cite the day thing in error, I think and some won't. Demand an explanation. It is wonderful that people are willing to do that and not be selfish or greedy with their knowledge.

I hope everyone reads this and follows the pearls of wisdom. That's why. Demand an explanation. Jul 25, 7. Tonight we'll delve into the kinds of hardball tactics you can engage with creditors.

And I was late. They may mention various laws. My thinking was faulty. I'm being chased away. Get Started! Saying you had a bad moment. So nibanike That's fantastic be persistent. Anybody ever had any of those? Saying you won't do it again. You want to know that I actually own the debt I claim I do. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. It looks a lot like "OC validation," i.

Really late. Dancerat approach actually disputes certain aspects of the underlying debt, so this should be used carefully. There are We've reviewed. Posted April 18, Posted April 20, Posted April 30, Posted July 8, The Credit Bureau of Cook County Similarly two other large regional bureaus combined to create Experian.

It's one more arrow in the sling. Very nice, tagalong. There's no rule of. Sometimes I've seen folks who do nothing more than CRA disputes finally get something deleted on the fourth or fifth try. There is a common thread to all of these direct-to-creditor interventions, and we'll discuss that shortly. I would recommend that you search the board regarding "SOL" or "statute of limitations" for that. NO intervention ever works all the time.

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. Are you Starting to get my point? Threats, etc. More in Lesson They are supposed to investigate within what the statute terms a "reasonable period" held by case law to be 30 days typically although no judge will toss the book at them for 45 or even 60 days if they end up doing the job ignoring you is another story We'll talk more about that in lesson 7 3 Another "clock" is that statute of limitations for debts.

I'm intimately familiar with that one, lol. But he wrote a VERY good direct-to-creditor intervention, and released it to the internet gratis -- which is. Third-Party Interventions. Those five heuristics are key, lol. Again, some folks believe that the automated systems in place verify one data point or another. Your prompt attention will be appreciated. Here's a link to the text for that:. Because, as we've seen in this transcript. And I say. Others mentioned that it didn't work for them.

They just look like they're written by somebody who calmly has it together and is about to escalate. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. It asks the creditors to verify psychdoc credit repair and that. Among other rights. Jul 25, 2.

Once again, I thought it would be useful to recognize the. And this and that. Tonight's syllabus Course overview and format which we've already done Brief review of the previous sessions FDCPA brief What is validation?

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