Credit repair

RMCN???

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fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2858

1966 Magic Points

Wed Aug 20, 2008 1:03 pm

No some of them like a doc bill (my ins. covered but they billed anyway) should have been on ther until next year and a LTD bill (like fingerhut) my brothers girlfriend took and ordered under my name and didn't pay, It should have been on there until next year also. Those teo things do not show on this report.
The Cap. one fall off date (Sept 2009) is still the dsame as rthe last report but the Midlad (Providian) date changed from July 2010 to Sept. 2010. I guess i was just worried they were changing dates to keep it in SOL.

joe in seattle

Joined: 27 Aug 2008
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Posts: 1

12 Magic Points

Subject: new member

Wed Aug 27, 2008 7:44 pm

OK Imma member now.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2858

1966 Magic Points

Thu Aug 28, 2008 12:52 pm

No one is knocking the credit repair companies Joe. Just some either can not afford or really can do it theirselves. I am glad you got a help from these people. In my case I haven't the money or more than a couple bad listings on my report so I can pretty much do it myself. As far as vehicles goes...guess what repair them (and hubby too) ourselves. Boild down to the same thing..Keep runnung your vehicless (in our case 3) to the garage to have the computer read for $50 a pop or buy your own reader ($120) and do it yourself. Anyway Glad to see you registered..welcome and Look forward to seeing you around the forum

Watcher
Guest

Subject: No Company Is Perfect

Fri Sep 26, 2008 3:55 am

In any industry. I think too many people expect miracles and need a reality check. If any company removed everything bad on ones credit they would be illegal! WAKE UP PEOPLE!

goodnatured

Joined: 03 Nov 2007
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Posts: 3137

5332 Magic Points

Sat Sep 27, 2008 12:35 am

well watcher, I think it is a crime that ten different companies can report on one single debt. How fair is that to the debtor, reality is that it is only one debt, but one debt can end up having multiple entries on your report. I think if you can pay for delete, legal or not, good for those who make it work.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 631

8 Magic Points

Sat Sep 27, 2008 10:31 pm

I agree, I think that these fees that they put on these accounts is ridiculous, I am really surprised that the government has not put a limit on what these companies can put on an account, they are three, four and five times of what the original debt was in the first place. I would not mind seeing some of these companies being knocked down to size.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3137

5332 Magic Points

Sun Sep 28, 2008 1:14 am

You would think that the government would have their nose in this and would try to regulate them a little better. These collection agencies cause some people to file bankruptcy or bring on foreclosure of homes. It causes poor credit scores, which affects some employment opportunities. If the credit scores are going to affect so much in our lives then there should be some regulating on what these collection companies can do, we have no defense exept debt validation and they refuse that too.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2858

1966 Magic Points

Sun Sep 28, 2008 2:42 pm

Kudos Gn and ERB. I truly believe watcher needs a reality check. Either they have never defaulted on debt to see the unfairness of collectors tatics and the credit reporting laws or they do not understand it.
Lots of good people get caught in the credit reporting and collecting trap. I think all the parts of this sysytem need a good review and rewrite.
They think just wall street caused all this credit mess but I think the whole credit world can claim a least some part of it.

TIFFANY
Guest

Subject: RMCN CREDIT SOLUTION ARE NOT WORTH IT.

Tue Oct 14, 2008 4:31 pm

I BEEN WITH RMCN CREDIT SOLUTIONS SINCE JULY OF 2008 THERE HAVE BEEN A LIL OF CHANGE SUCH AS THE INQURIES BEEN REMOVED BUT NOW I HAVE NO SCORE AT ALL I CALL TO SPEAK TO THE ONE WHO IS HELPING ME WITH MY PAPER WORK AND HE CHANGED HIS TELEPHONE # AND HAVE NOT BEEN ANSWERING HIS WORK PHONE THE OTHER CO WORKERS TRANSFER ME TO HIS DESK SAYING HE IS THERE BUT HE JUST DONT WANT TO SPEAK TO ME I DONT FEEL ITS RIGHT ESPICALLY WHEN U ARE PAYING UR MONEY THEY SHOULD BE GETTING IN CONTACT WITH ME NOT ME CALLING ALL OVER T REACH A MANAGER OR SOMEONE SO JASON THOMAS OF CREDIT SOLUTIONS U WILL NOT RECEIVE ANYMORE OF MY MONEY!!!!!!!!!!!! U AND UR COMPANY THIS IS NOT FAIR THAT THEY ARE TRYING TO TAKE ADVANTAGE OF ME WHEN ALL I WANTED WAS HELP TO RESTORE MY CREDIT.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2858

1966 Magic Points

Tue Oct 14, 2008 10:06 pm

I hear so much mixed review on this company that I would not look into it myself

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 417

10874 Magic Points

Wed Oct 15, 2008 9:38 am

Hi Tiffany
If some of the hard inquiries are removed from the credit report, your credit score will definitely improve, but by a few points, although not much and you can find the effect within two to three months. Now since the credit repair company had stopped repairing your credit, you should not wait anymore and in turn you should start repairing your credit by yourself. There are discussions in this forum which will help you to repair your credit without taking help from any credit repair agencies.
_________________
Best Wishes
Justin

anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 493

12319 Magic Points

Wed Oct 15, 2008 10:04 am

Yes, Justin is right, you should start repairing your own credit by yourself immediately. For this, you should first stop paying all fees to RMCN and order your credit report from the three bureaus. Since the hard inquiries have already been removed from the credit report, you should concentrate on removing the negative listings. You should dispute any debt listings with the bureaus which you think you do not owe. The bureaus will review the listing and remove it from your report. However, if you find a debt you actually owe, you should send a DV letter by certified mail to the creditors and if the creditors validate the debt within 30 days of receipt of your letter, you should negotiate with them for a repayment plan and PFD agreement, so that the negative listing gets removed from the credit report as soon as you pay off the debt.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com

AMG Consulting Group Inc.
Guest

Subject: "Credit Repair"

Sun Oct 19, 2008 1:26 am

Most companies just send dispute letters. What do you do when the results come in that you actually owe money? Wouldn't you want that debt paid off at a reasonable price and removed from your credit? It's about time people pay for a service that gives them honest results.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2858

1966 Magic Points

Sun Oct 19, 2008 2:28 am

Problem is apt of it really is't that reasonable unless they settle for about 30% of the debt. They bought it for pennies ion the dollar added off the top interest charges and other fees. A card that may have been defaulted on for $300 turns quickly into $3000. I can see having a small penalty, especially for those who just had a run of bad luck but the amounts they add on?

notforme
Guest

Subject: the price I was quoted for RMCN

Fri Oct 24, 2008 1:58 am

I was quoted $850 up front and then $99 a month for up to 6 months, for help with 3 items. One of them big. I decided not to do it, and sent out DV letters to 2 companies my self. The biggest one deleted it from my credit report because they could not verify, and the other one reports me every month now for not paying, all its cost me is $10 for a DV letter and Certified.

Please dont fall for this stuff, by the way the FTC cracked down on places like this today so everyone beware.

Do not pay for any of these places, especially RMCN

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