Archive for September, 2010
How To Get Rid Of Bad Information On Your Credit Report By Writing Letters
September 5th, 2010 
Posted in Unauthorized Activity 
Tags: Bad Credit, Bad Information, Credit Letters, Credit Report, Report Writing, Writing Letters 
Comments OffHow would you deal with this Collection Agency Problem?
September 4th, 2010 
Constance B asked:
I have recently obtained my Annual Credit Report from the Big three Credit Bureaus. This is a similar question to that posted a few days ago by another user. My credit report shows no deliquent accounts except for one from a Collection Agency called AFNI. It being placed on the account in 2007. They say I owe money to Verizon. I was doing business with Verizon until 1/2008, and Verizon said I don’t owe them any money and that AFNI does not do their collections. I have reported this to Attorney Generals Offices, Disputed it with credit bureaus and have written to AFNI, Registered mail. They send me back a form to do an identity theft investigation/dispute. After some research, I found out AFNI buys junk debts. That this is probably a re-aged debt which they legally cannot make me pay and that it was from most likely an old Bell Atlantic account.We have our phone reciepts from the past 7 or 8 years so if was ours it is older than that. What would you do to get them to back off?
Verizon themselves were nice enough to give me the name and address and phone number of the company who does do their collections (CBE Group) and I was nice enough to inform AFNI that I did have that information. I also have a statement from Verizon stating that my account was closed 01/09/2008 with an outstanding balance of $0.00 and that we had service with them from 2005 to 2008. AFNI only has an account number that they (AFNI) made up. I told them, you send me a BILL stating that I owe what it is you say I do from the original creditor, that is not more than five years old (statute of limitations on utilities in almost every state, it is 4 years in some) and get Verizon to tell you in writing I owe it. You can’t and won’t, and if you don’t remove it I bring you to court. How do they get away with that crap?!!
Claudia
I have recently obtained my Annual Credit Report from the Big three Credit Bureaus. This is a similar question to that posted a few days ago by another user. My credit report shows no deliquent accounts except for one from a Collection Agency called AFNI. It being placed on the account in 2007. They say I owe money to Verizon. I was doing business with Verizon until 1/2008, and Verizon said I don’t owe them any money and that AFNI does not do their collections. I have reported this to Attorney Generals Offices, Disputed it with credit bureaus and have written to AFNI, Registered mail. They send me back a form to do an identity theft investigation/dispute. After some research, I found out AFNI buys junk debts. That this is probably a re-aged debt which they legally cannot make me pay and that it was from most likely an old Bell Atlantic account.We have our phone reciepts from the past 7 or 8 years so if was ours it is older than that. What would you do to get them to back off?
Verizon themselves were nice enough to give me the name and address and phone number of the company who does do their collections (CBE Group) and I was nice enough to inform AFNI that I did have that information. I also have a statement from Verizon stating that my account was closed 01/09/2008 with an outstanding balance of $0.00 and that we had service with them from 2005 to 2008. AFNI only has an account number that they (AFNI) made up. I told them, you send me a BILL stating that I owe what it is you say I do from the original creditor, that is not more than five years old (statute of limitations on utilities in almost every state, it is 4 years in some) and get Verizon to tell you in writing I owe it. You can’t and won’t, and if you don’t remove it I bring you to court. How do they get away with that crap?!!
Claudia
Credit Score – Time and Points – Need Professional Advice?
September 3rd, 2010 
Ryan T asked:
My three credit scores are as follows:
Trans-608
Exp-573
Equi-596
These are quite low due to some bad rental history that lead to collection agencies. I have student loans (subsidized) which show good payment history and is boosting it. The bad credit totals to around 15,000 dollars. Holy smokes! I left some apartment complex’s when I was younger…bad idea. Here is my question; by august of this year my reports will only show 5672 dollars of bad credit (checked with agencies; over 7 years old at that point); and after Jan 2010 my report will only show 1557 dollars of bad credit; so how long after these get dropped will it take my credit score to rise (hopefully skyrocket) and by about how many points. Thank you for your time.
Forgot to add that my good standing credit (loans) is 12,000 dollars.
SAMTA ..THAT WAS RETARDED ..I ALREADY KNOW MY CREDIT SCORES AND THAT WEBSITE LOOKS LIKE IT WAS MADE BY MY LEFT TESTICLE.
Mary
My three credit scores are as follows:
Trans-608
Exp-573
Equi-596
These are quite low due to some bad rental history that lead to collection agencies. I have student loans (subsidized) which show good payment history and is boosting it. The bad credit totals to around 15,000 dollars. Holy smokes! I left some apartment complex’s when I was younger…bad idea. Here is my question; by august of this year my reports will only show 5672 dollars of bad credit (checked with agencies; over 7 years old at that point); and after Jan 2010 my report will only show 1557 dollars of bad credit; so how long after these get dropped will it take my credit score to rise (hopefully skyrocket) and by about how many points. Thank you for your time.
Forgot to add that my good standing credit (loans) is 12,000 dollars.
SAMTA ..THAT WAS RETARDED ..I ALREADY KNOW MY CREDIT SCORES AND THAT WEBSITE LOOKS LIKE IT WAS MADE BY MY LEFT TESTICLE.
Mary
I have little/no credit: what will my credit score be around?
September 1st, 2010 
Roswell asked:
I’m 21 years old. I’ve never had a credit card (I always refused to put myself into such a predicament). I’ve been paying a T-Mobile cell phone bill steadily for three years, and I’ve only taken out student loans, all 3 of which are not defaulted.
I’m 21 years old. I’ve never had a credit card (I always refused to put myself into such a predicament). I’ve been paying a T-Mobile cell phone bill steadily for three years, and I’ve only taken out student loans, all 3 of which are not defaulted.
I’m looking to become a renter in an apartment complex I’ve fallen in love with. The monthly rent is more than within my reach but they do a credit background check and the score needs to be 700 or higher.
I’ve never heard of “credit scores” and several people I’ve asked (including parents) have no idea.
I registered for a free credit report and it said I have no initial credit besides my student loans (didn’t even list the cell bill). It never gave me a credit score number, it just said that the server was busy (every single time – definitely a fishy scam if you ask me).
With my small credit, what will my credit score be about? Will I have a shot at this apartment? Should I take out a co-signer with good credit?
There might have been a typo: I CAN afford the monthly rent. I could afford MORE than that. I’m just concerned that my credit will pay too much of a factor.
Pamela