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Remember what I said about CAs, they are easier to deal with via certified mail

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Justin

Justin

Joined: 17 Jul 2006
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28944 Magic Points

 
Posted on Thu May 08, 2008 11:51 am  

Hi sdchargers_63

I do agree with you on this point, However, I also agree that one should always check the status of the credit score frequently.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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Subject: cr
 
Posted on Thu May 08, 2008 1:36 pm  

Yep...know what you mean. If you check your Credit score, as often as you can, you can 'go from there' with the goals you want to set for yourselve. Makes sense to me.
CMBV22

CMBV22

Joined: 08 May 2008
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5506 Magic Points

 
Posted on Sat May 17, 2008 4:18 pm  

It can be hard to figure out where to start when repairing your credit. I would suggest starting with any debts that are past the SOL that way you are more likely to get the PFD. Then I would start with the items more likely to file against you (larger debts, etc.) Frome there I would go with the more recent listings. I say this because if you had a CC that was listed 6 months ago, that will hit your credit harder then a listing2 years ago. At the same time though, the more recent the listing the harder it is to get a PFD.

BTW, you will find CAs much easier to deal with if all of your communication is via mail. They wont dare make false claims or threats in a letter b/c you could drag their sorry behinds to court!
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fireyone



Joined: 26 Feb 2008
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132 Magic Points

 
Posted on Sun May 18, 2008 11:51 pm  

That is definately the truth. Mail is probaly one of the bnest ways to deal. When you get them on the phone chances are sooner or later you will find a person gets pleasure in demeaning you.
CMBV22

CMBV22

Joined: 08 May 2008
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5506 Magic Points

 
Posted on Mon May 19, 2008 2:57 am  

Remember what I said about CAs, they are easier to deal with via certified mail. They arn't often willing to violate the FDCRA in writing. MAkes it to easy for you to sue them.

Also, I find it easier not to use my credit report as my gadge for progress. I keep a note book with a section for each account. I write in it everything that I do with each account and any ideas I have for it. I then have a folder for each account with my copies of all of the letters I send the CAs and anything they send me. When I get an account or an inquiry removed from my credit report I put a big red D *for deleted* at the top of the page

It feels good to get to write that D and when I flip through the book and see all of those red marks I feel a whole lot better!
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36553 Magic Points

 
Posted on Tue May 20, 2008 10:46 am  

We can try out the process of debt repayment as CMB pointed out. I think this would help us in getting out of the debt more efficiently.
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Hector
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Subject: TwOUplXofrt
 
Posted on Tue Oct 02, 2012 5:47 am  

Same as all the others. Note that there is no guaaentre that you will be eligible for these anyway. If your credit is iffy or if you just don't have much credit history, your credit union will be the best. My other advice is never pay an annual fee and always pay the bill in full.

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