Introduce yourself

Greetings all,

My name is Louis & I'm currently living in the fine state of Washington. My credit started to take a dive around the age of 34 when I could no longer keep up with CC debt. I was advised a bankruptcy was best (I think this is right b4 the laws got stricter) & I went for it. I did learn a very valuable lesson about using CCs, & today I ONLY use my bank's credit/debit card.

Well now I'm 40, & my recent $$$ problems stem from outstanding hospital stay charges (both my Wife & I are listed as defendants.) I'll soon post all the details & questions in the proper forum, & I'm hoping I can get some advice on where to go from here. I've been reading here most of the day & I've already learned quite a bit!

THANKS in advance, & PROPS TO THE WHOLE COMMUNITY!!!

Hi guys, I am new to the site, but not new to removing debt from my credit report.... I was victim of ID Theft, by my dad before I turned 18.

Nothing like going to the Car Dealer 1 week after turning 18 and having the dealer laugh at you.... Seems I had 3 repos on my report, and water bill in default in TN, a state I have never been to.... Fighting them off took a lot of time, and I was finally able to get my credit score up to a 790 while I was in the Military. Then I got hurt in combat, divorced and was medically discharged all in a 2 year span. Well my life was headed down, and so was my credit score.... all the way to 521. That was in 2005, well since then I have managed to get my debt settle, and the unverified stuff dropped. My score is back to a 691 now.... All this without the use of Credit counseling, or Credit repair.

If you have credit problems, take the time to read the Fair Credit Collection Practices Act, the Fair Credit Reporting Act, and the Fair and Accurate Credit Transactions Act. I also recommend Pre-Paid Legal, I have had them for over 10 years now, and I use them a lot to ask questions about the law, and with understanding all that legal vocabulary. They will also write a letter on your behalf to those stubborn collectors that are walking that fine line of legal vs. illegal acts.

With my limited time on this site, I am very impressed in what I see. The sample letters, and vast knowledge here is great.

I hope I can be helpful to some, and learn from others.

thanks :D

I am new to the site. I need help fending off daniel & Norelli. I had a loan that I can not repay at the moment. Any guidance? I am worried of garnishing bank account and wages.

Hello. About two years ago i started repairing my credit using dv letters to credit agenices, and i got everything removed. I checked my credit last night, and there was an entry on there for nco fin. Have anybody heard of them. The origional creditor was not listed.

:( :?

hii i'm Jack Brosnan....
http://www.financehelpdirect.com

I am new to the site and have found that there is a wealth of knolwdege here.

I'm new here :D Nice to meet you.

Hello Claire,

Welcome to this community :)

You can feel free to ask here any questions regarding credit and debt problems. You can also share your views on credit and debt here.

Thanks,

Aaron.

I'm new to this menu and I'm interested in matters that will help my four kids get out of their individual credit problems. I screwed up my credit in the early 70's when a gas company send me a card with $5 credit for using it. They may have believed that a senior in college with a card to get beer and snacks at the gas station was a good bet. They lost.

Hello, I am new to the forum, I have been on various message boards for more then 8 years, prior to that I worked for a credit bureau.

I like to teach consumers about credit reporting issues such as:

Ordering Credit Reports
Disputing with the Credit Reporting Agencies
Understanding Reporting Periods
Understanding Statute of Limitations
Understanding Credit Scoring
How to fix Mixed / Split Credit Files
Dealing with ID Theft
Settling debt and improving credit rating at the same time
Credit concerns regarding Bankruptcy

That is just a few,

Thanks, and look forward to contributing on the board.

Pammila - Nightstar

Im new here, im from philippines and I have a big financial problem... hope I'll happy being here!

My name is Shakena. I went from not having any credit to having bad credit just by going to school getting rid of it is a hassel.

Hi Harv and Shakena,

Welcome to this forum :)

Here you can discuss the credit and debit problems, and get help from other forum members.

Regards,

Aaron

I am here because my credit score is 509 and I need it to be 650. If I have a false judgement taken off, how much will my score go up? and if I make all my credit cards current, how much will that help?

Hi Kathleen,

There cannot be any specific increase in your credit score for the removal of the judgment. For more details on increase in credit score after judgment, you can refer http://www.creditmagic.org/judgment/paidoff-increasescore.html .

Making on time payments helps increase your credit score the most. Payment history accounts for 30-35% of your credit score. So, becoming current will help.

Hope this helps.

Regards,

Aaron

Hi Kathleen,

There cannot be any specific increase in your credit score for the removal of the judgment. For more details on increase in credit score after judgment, you can refer http://www.creditmagic.org/judgment/paidoff-increasescore.html .

Making on time payments helps increase your credit score the most. Payment history accounts for 30-35% of your credit score. So, becoming current will help.

Hope this helps.

Regards,

Aaron

Hi, my name is Kerry. I have just started looking at and trying to repair my family's financial situations. I am hopeful and glad that I have this help,

Thanks,

Hi Kerry,

Welcome to this forum :)

If you have any queries regarding credit and debt, you can feel free to discuss in the forum.

Thanks,

Aaron

Just wanted to thank all the contributors to this forum and site. Been browsing it for a couple days now and feel relieved and empowered that there are so many people that are willing to share the wealth of information they have to help others with their credit issues.
My husband was ready to pay a credit repair company a fairly large sum to supposedly clear his report, but since I've shown him all the resources on this site we feel confident in our ability to take care of it ourselves.
Thanks again for all you do,
Jennifer

Hi, I'm new :) I've been doing some serious research on repairing my credit myself and I found this site today. Seems to be extremely informative and I'm excited to search through it!! My credit score is terrible and I'm looking to improve it. I now have a son, and being a single mom it's all up to me to make a future for us. I'm dreaming of a home with a big back yard for my son to play in. :) But first, I have to get myself on the right track. I feel motiviated!!

Thanks everyone!
Sarah

DEAR MEMBERS

MY NAME IS MICHAEL SPIVAK

I WOULD LIKE TO INTRODUCE MY SELF TO THIS COMMUNITY.

I AM A PROUD OWNER OF NORTH AMERICAN DEBT SETTLEMENT.

THE REASON I JOINT YOUR COMMUNITY IS BECAUSE MY COMPETITION HAS BEEN POSTING VERY NEGATIVE INFORMATION ABOUT ME AND MY COMPANY.

I AM HERE TO DEFEND MY COMPANY AND MY SELF FROM ANY MISLEADING INFORMATION THAT MY COMPETITION HAS TO POST.

THANK YOU

Hi I'm jake smith hope to learn new thins here.

Hi Jake,

Welcome to this community :)

This is a credit community, where the members help each other solve their credit problems. If you have any queries, you too can feel free to discuss in the forum. Even if you want to share your knowledge on credit, you can feel free to do so.

Thanks,

Aaron

Hello all,

I am new here, I found this site by doing a search on RMCN. I almost was about to pay them to help fix my credit but I just didn't feel right so I kept looking and looking until I found this site. Now I am about to start working on my credit. I had a hard year last year and it shows on my credit. I have repo on my credit and some other things like late payments. I read on here about reaging so I am going to look into that ASAP. I'm hoping to get my credit in good standing within a year or so.

Hi Ladylury,

Welcome to this community :)

If you have any inquiries, you can feel free to discuss in the forums.

Thanks,

Aaron

I work in the finance industry in the UK and would be happy to answer any questions that I can.

Hey guys I having problems with payday loans I can't seem to keep up and my credit is not good eithier. I need help to get my credit on track.

My name is Michael and i just joined the community.

Hai Friends , I am Rithwik here to get knowledge about online paying sites.Will try my best to be an active member.And i m happy to be a part of this community.

Hi all, My name is Patti. I am engaged to a wonderful guy who, unfortunately , had to file for bankruptcy in 2009. I was wondering how long it takes to repair your credit after something like this. Anyone an exoert on the subject?

Hi Melvin:

To enroll for paperless statements, you need to first visit the cards website. Then sign up with the card online, and then you will be able to register for paperless statements.

Patti:

There is no certain time within which a person can repair his credit. This depends on the individual who is trying to repair his credit. As it's been one year already, he may try applying for new credit cards. However, it will be better if he takes a secured credit card as of now. Secured credit card helps in improving credit score. He can then use the secured card to make purchases that he can afford, and then make on time payments on the card.

After bankruptcy, one should also make sure that there are no wrong listings on the credit report regarding the debts which were added in the bankruptcy. If, there are any such wrong listings, you can dispute those with the credit bureaus.

Thanks,

Aaron

Hello all

I have a forclosure on my report from 05. It was transferred from the broker to another mortgage co Ctywide. It now appears twice on report @ 150,000 debt. Even though house was sold is this repairable. Are their any circumstances forclosures can be removed?. Someone told me my only hope is to get an owner financed home if I ever want to buy again.....HELP!

Hi guys,

Just found this forum. I had been seeking advice on how to improve my credit score after (or during) debt settlement and found it really helpful. There's so much information that I wish I had been aware before I got into this mess. But I'm working my way out of it. Looking forward to chatting with everyone.

Hi rummy:

Once entered a foreclosure may stay on your credit report for seven years. I saw that most of the people are talking about joining Lexington Law for removing the foreclosure form their credit report. Though I am not sure about this company.

kbaek:

Welcome to this community :)

Feel free to discuss your queries in the forums.

Thanks,

Aaron

Hi everyone, I got divorced 6 years ago, I was able to keep it together for a while but trying to maintain the level pre divorce became impossible, I then lost mys job and was out of work for 9 months, I wound up on the payday advance cycle and have not been able to get off that treadmill, my finances are now so out of control I can't figure a way out. I can't pay my bills and now with paying the high intrest rates with the payday advances I have even less money then before. I need help in stopping the cycle and getting on a budget that I can live with.

Hi everyone, I got divorced 6 years ago, I was able to keep it together for a while but trying to maintain the level pre divorce became impossible, I then lost mys job and was out of work for 9 months, I wound up on the payday advance cycle and have not been able to get off that treadmill, my finances are now so out of control I can't figure a way out. I can't pay my bills and now with paying the high intrest rates with the payday advances I have even less money then before. I need help in stopping the cycle and getting on a budget that I can live with.

I'm in my fifties, i live in oregon. I have survived cancer, a stroke, chronic bells palsey and now a horrific car accident that almost killed me. since 1992 i have tried so hard to pay my bills and still have a life. now after the car accident i find i can no longer do that! whats a girl to do? dr wont realease me to work. still have surguries to have done. job is letting me go due to leave of absense being exshusted. so now no job, i'm not able to work, and no money. how will i be able to come out on top this time? the medical bills just keep pouring in!!!!

hi my name is vivian and i am new to the forum. i am currently trying to fix my credit to qualify to buy my first home..my credit is slowly getting better now that i am now doing something about it...

Hi this is cristopher, recently joined this forum, hope my stay will be helpful to me as well as to others.

Hey everyone!!! I am new , my name is Sally and just wanted to introduce myself. My credit is not the best and will be asking a lot of questions on what order to do things first. Thanks in advance for any suggestions and help.

Welcome to the site! This site is a tremendous help for credit issues...if you ever have a question about credit, just post it here and more than likely you will get your question answered...I speak from experience, I at first considered contacting a credit repair company to fix my credit but this has given me a lot of knowledge as to how to go about it...good luck and look forward to hearing from you...

Hi,
Terri here. I am just putting together a website on credit repair. Hope I can help some people on the forums as I have been there and done that.

Talk to you soon.

Hi Rtyrell,

I can relate to how you feel about bills piling up...I have heard that it is good to focus on one bill but stay current on the others and try to pay off one by one and little by little you will make progress...I know it can feel overwhelming at times but hang in there..have you looked into credit counseling? I have looked in my phonebook and there are a couple of non profit organizations that will help you out in handling your finances...good luck and keep us posted...