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V
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Subject: Trying to Buy a House
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Thu Jan 07, 2010 7:35 pm
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| I am so confused by this "credit game". I began by getting approval to purchase a house in early December. I had a 680 credit score (average of all three bureaus). One 90 day deliquency appeared from my student loan and 5 hard inquiries later I sit a 500. How is this possible???? I need real credit help!! That's almost 200 points in a month. I only have 2 lines of credit: my car and student loan. I am 28 years old. have paid a vehicle off when I was 21. I am monitoring my credit score, but it just keeps dropping and I cannot see why so much. Could it be from the hard inquiries?? can they drop it has much as 60 point? Can one 90 day delinquency in 2 years ruin my score? Who can help me????? |
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Ang
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Subject: DO NOT USE removemycreditinquiries.org!!!
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Thu Feb 11, 2010 9:59 pm
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| Mike Lach took $150 from me, asked me to wait 60 days and refused to return my money after waiting over 4 months! Stay away from this guy and this company unless you want to see your money disappear. I have got all of the documentation if anyone wants to see it! |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Fri Feb 12, 2010 6:57 am
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Hi V,
Hard inquiries damage credit score. However, as much as I know, 5 credit inquiries can't lower your score by 100. But you need to remove the hard inquiries in order to raise your credit score. Always not all inquiries are done with your acknowledgment. To remove hard inquiries write a remove inquiry letter to the creditor who had performed the hard inquiry.
Other than this delinquency drastically lowers the score. You should immediately start paying off the dues. Payment history plays the most important part in maintaining and increasing the score.
_________________
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Tavares Cambell
Joined: 20 Nov 2009
TavaresCambell's page
Posts: 2
32 Magic Points
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Subject: Erase Bad Credit
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Sun Feb 14, 2010 7:29 pm
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Hi do you want to find out how to repair your credit for free?
[link deleted as per forum rules] |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Mon Feb 15, 2010 2:31 am
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| Have you actually pulled a copy of your report and looked at it too see what exactly is going on. I think that would be your best bet to get a clearer picture of what exactly is on your report, may be at that point you want to find out what exactyl is going on and fiegure our to awy for yourself. Hope alll works out for you. |
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SueKellerqqz
Joined: 13 Feb 2010
SueKellerqqz's page
Posts: 1
15 Magic Points
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Subject: Hi from Sue
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Wed Feb 17, 2010 6:18 am
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Hi
I am Sue. Just got my account sorted. Hoping to learn a lot from you guys and possibly make some contributions where necessary. I promise to use the search facility so that I do not ask needless questions that have been asked in the past. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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misparribbord
Joined: 03 Mar 2010
misparribbord's page
Posts: 1
17 Magic Points
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Subject: Oil Tycoon Matthew H. Fleeger awards Half Million Dollar Gra
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Wed Mar 03, 2010 11:04 am
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It's said that Giving is receiving. There are so many people who need help, but how much do we as people really contribute to eachother?
The American Cancer Society desperately needs volunteer & financial assistance
Please consider a donation to
http://www.cancer.org |
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cinnamngrl
Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455
6339 Magic Points
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philip
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Subject: out of state collection agency
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Thu Mar 25, 2010 1:12 am
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| i have tried to talk with this collection agency and all i get is a automated answering service and i leave my name/ph#. yet i get no reply. I have complained to the bbb and the chamber of commerce in their city and leave my info with them so that they will pass it on to them. But all the collection agency does is put negative alerts on my credit report (4 in the last 3 mos.) I have never dealt with these guys b4. I know that maybe they have bought this debt from a creditor from my past yet i dont know who it is. plz help me resolve this thx |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: out of state collection agency
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Thu Mar 25, 2010 10:14 am
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Hi Philip,
You can first try the debt validation process with the collection agency. You will get a sample debt validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . Send this letter through certified mail, requesting a return receipt.
If they can't validate the debt, and they still go on harassing, you can complain this to your State Attorney General or Fair Trading Commission (FTC). Address of FTC:
Federal Trade Commission
One Bowling Green Ste. 318
New York, NY 10004
1-877-382-4357 (877-FTC-HELP)
Hope this helps.
Regards,
Aaron
_________________
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Jessiel
Joined: 07 Apr 2010
Jessiel's page
Posts: 1
17 Magic Points
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Subject: New Post Here
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Wed Apr 07, 2010 11:16 pm
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Hi, I would like to take some time to introduce myself. I am fresh starter here and this is my first post here.
I truly hope the right section to display this. If not please forgive me.
What is an interesting topic to discuss today?
I would like to meet some interesting people here. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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ronnie
Guest
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Subject: merging
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Tue Jun 08, 2010 5:05 pm
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| How can one get an inuiry merged with the open account on a credit report,and is this even possible? Also can a credit inquiry I authorized be removed before the 2 year timeline if I call the creditor and ask them to remove it as a courtesy? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: credit inquiry
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Wed Jun 09, 2010 10:04 am
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Hi Ronnie,
Can I know whether or not this inquiry has been made by the same company with whom you have the account? As for your second question, no an authorized credit inquiry cannot be removed before the 2 year timeline. It will fall off it's own after the 2 years.
Thanks,
Aaron
_________________
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