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Credit Bureau Repair

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Irma Said:

How to repair credit in my case?

We Answered:

If you have not made any payments since 1999, those debts should fall off of your credit reports soon. Both the original creditor and the collection agencys cannot report longer than allowed, which is 7 years for credit cards. The collection agencys "must" go by the original default date that you had with the original creditor.

As far as the collection agencys and actual collecting, that would depend on your states statute of limitations (SOL).
If it has been since 1999, depending on your states statutes, you may be out of SOL for them to legally collect. If you are past the SOL for your state, the collection agencys can continue to try to collect but they cannot legally sue you. If you are out of SOL, all the collection agencys can legally do is just pester you. But, there are ways to handle that too.

You need to find the SOL for your state.

After you find out if you are out of SOL or still in it and you still want to pay, you need to first send them a debt validation letter. It's not uncommon for collectors to bump up the amount of the debt and even try to collect on a debt that they may have once owned but had sold.

After you have received validation and you know you are out of SOL, you have every legal right to send them a SOL letter that basically tells them they are out of luck and to go away.

If you still want to pay, be sure to send a pay for delete letter.
Request in that letter to pay a percentage of the debt. (if it has been this long, more than likely a junk debt buyer has it and probably paid less than $20 for it)
Request in the letter that they will delete anything they have placed on your reports.
Request that they will not continue to collect the debt or the remaining portion if you have an agreement to pay less.
Request that they will not sell the debt or the remaining portion after payment.

Do everything in writing and send it certified mail return receipt.

If you have nothing in writing concerning what I listed for the pay for delete letter, you may find that they will either continue to try to collect, sell the debt and another collector will start sending letters (even though you had paid it) And they will mark your reports as paid negatives.

You might go to the "free" site I've listed. Do some reading in the newbie forum and the credit forum. You will be able to find links to your states SOL and also learn how to write the letters I've mentioned.

Andrea Said:

Has anyone used a Credit Repair/Restoration Company?

We Answered:

I would strongly suggest you not do this. I know you say you don't have time, but you can get letter templates to use and it won't take that much time.

Credit repair companies are a rip-off. They do exactly what you would do on your own except they charge you a lot for it.

Keep your money and read www.creditboards.com forums to learn what to do. You should also read the FCRA and the FDCPA to learn your rights as a consumer.

Good luck!
pf101

Salvador Said:

Do credit repair bureaus really work?

We Answered:

Yes, but they usually charge a fee in the beginning. They say that it won't affect your credit score. These programs also will have your bills paid off fast.

Elmer Said:

How do I repair my credit report. Due to Credit Bureau mess up.?

We Answered:

That should not have happened, I would suggest you go to a credit lawyer or a credit repair place. There are two I have in mind that are really good Bradley Law, and Lexington Law, both run by Attorneys in the field of credit.

You can do it yourself, but believe me most people don't have the patient nor the expertise to check on, run down, figure out, or unscramble all the mess that is on their reports, that is were these people come in. This is what they specialize in. They know the law, better than you.

Two things keep in mind for one since you filed a bankruptcy, the collection company should not have put these item back on your report. This is wrong. Secondly, I don't know , since you didn't explain, how your deceased fathers info-soc.sec.#-accounts would have been linked with you. This is important and you really need to check into this. Did you co-sign for him, did you take over his estate?

The first one is easy, the second one, you need to find out why they are linking you to/with your dads accounts. Only after this will you be able to restore your credit. And believe me it will get restored. I know it is an inconvenience, and a shot against your credibility, because you have worked so hard to recover from your bankruptcy. But believe me you will get them off, and your credit will be restored back to the original. You will see. That is the exact reason why they tell people to check the credit bureaus, and your credit report on a yearly basis, because you can find all kinds of damageing information on there, that is falsely reported.

Another suggestion would be to get this book by Stephen Snyder " Life after Bankruptcy ", Increase your credit scores, and join his mailing list. This man is the bomb, he is a guru, a giant in the field of credit, and not only talks about life after bankruptcy, but credit, credit scores, debt ration, obtaining credit etc. He is the only person that puts the whole puzzle together, and then leads you in the directions of financial success. Debt Free baby, all the way....................

P.S. can you tell me how you have bought and paid off two homes within 10 years? Great keep up the good work.

Carlos Said:

What's the best way to repair your credit?

We Answered:

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com Your Ad Here

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