Sunday, May 31, 2015

Fix your credit fast remove errors how to repair credit history

Here is your best ways to get credit fixed quickly and how to remove errors.

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 1. Dispute errors. Mistakes happen. You can dispute errors online through Equifax, Experian and TransUnion. After you’ve fixed any foul-ups, you might try to…

 

 

 

2. Negotiate. You can’t deny that you stopped paying a credit card bill when you were unemployed last year. But you can ask creditors to “erase” that debt or any account that went to collection. Write a letter offering to pay the remaining balance if the creditor will then report the account as “paid as agreed” or maybe even remove it altogether. (Note: Get the creditor to agree in writing before you make the payment.)



                                                      




You might also be able to ask for a “good-will adjustment.” Suppose you were a pretty good Visa customer until that period of unemployment, when you made a late payment or two – which now show up on your credit report. Write a letter to Visa emphasizing your previous good history and ask that the oopsies be removed from the credit report. It could happen. And as long as you’re reading the report, you need to…

                                 

How To Scrub Your Credit Report Clean Of Costly Errors

 VERY VERY IMPORTANT!!!

 

                                

There are all sorts of errors that can sneak onto your credit reports — an account that’s not even yours, a “late payment” that was actually made on time, a paid debt that’s still listed as in collections.
This can spell trouble. Your credit reports are used to calculate your all-important credit score, which determines your access to loans, credit cards, apartments and even jobs.

 Errors can land on your report when lenders, banks or credit bureaus get it wrong. Nevertheless, it’s your responsibility to get them fixed. “Credit reporting agencies don’t have an obligation to correct anything on a credit report unless you tell them it’s wrong,” says John Ulzheimer, a credit expert at CreditSesame.com.

                                             

                                                    
SEarch YOUR state laws about statutes.....as in how old that charge is!

YOU NEVER EVER admit to anything on the phone always say when was the alleged debt .ALLEGED is key here !

When they give a date that was way past your states statutes of limititations YOU strickly tell them that debt is no longer collectable because the statuets of limitaions ran out and do not call me or contact me again .

If they do call or send letters whooooooooooo boy YOU have legal right to sue for harrasment.
                            

                            




 QUICK way to GET your credit score above 700

#1 1st go borrow  from family or friends $1000 GO to new bank open a savings account ,,,,,,,,when funds are cleared you go back and ask to make a loan using that $1000 as collateral ........

OK now take that cash go to another bank open a new account repaet same process.

The loans are short term like 4 months or 6 months ...

SO that $1000 yoiu have make payments to both banks with that while you pay the second $1000 off with your own cash ...

Credit companies will see YOU paid off $2000 in debt Kaboom you get A ++++ rating.

DO NOT EVER GET a store credit card the interest rates will destroy you.

YES you save large % on 1st purchase BUT after that it winds up costing $100's more than buying wit cash!

                          
                                 


Also be thrifty when buying anything in any store NEVER pay list price on high priced items $200 or more they always have room to make a sale... IF sales man cant get it ask for head boss of store! 

IF they turn you away do an about face and walk away slowly 
THey might just bark out ok ok .....

$175 is best i can do ... 

BUT if you do your duty knowing that same item can be bought at a b c company for $165 watch them shake in thier boots becuaes they do not want to lose you to a competitor!


Credit card companies and Banks DO NOT tell you what they DO NOT want you to know about!

ASK ASK ASK and Demand it... Call until YOU get what YOU want every person will have different story they just do not interact with each other...

                           


TRY to record your coversations when making deals on phones ... GET name rank and serial number and have someone with you when talking to representatives.

Because even tho they say they recorded this info when you call back next week or next month her is what they say.

Sorry i dont see that info here on PC.

Who did you talk too?

HERE is the laws that protect aginst over billing and other unrealted fees NO mater who it is even if gov't of a county that you commited a misdemaenor in  or felony...

                                          

                                              

Fair Debt Collection Practices Act

 

 

§ 806.  Harassment or abuse  [15 USC 1692d]

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

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(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
                          

                               
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.


(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.


(4) The advertisement for sale of any debt to coerce payment of the debt.


(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.




(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.


§ 807.  False or misleading representations  [15 USC 1692e]

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
                           



(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

                        

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to --
(A) lose any claim or defense to payment of the debt; or
(B) become subject to any practice prohibited by this title.

                           


(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.


                             


(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.


(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.


(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.








                         


(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.

IN short these two sections mean NO BODY CAN CHARGE YOU MORE THAN YOU OWE!!!

 

Just as YOU have to provide proof so must the one who is seeking restitution from you.

                                  

REad it all here it's confusing but it's YOUR  legal rights under the FDCPA and FTC 

https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

also have Proof of errors payments made recorded in bank statements etc... go direct to bank if you cannot get them on your scanner copier printer!

PROOF PROOF PROOF to GET errors removed


All 3 bureaus equifax experian  and Trans union.

Have a great day

billyzeke


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