I just went to this website http://www.annualcreditreport.com.\nso I can see whats on my credit report and it's asking me 3 different question to make sure I am that person. Well I can only answer one which is the year of my birth but I can't answer the other two questions. Which is the account # of a revolving credit and then something about the address. I've moved several time. Besides that, what do I do then? For the past 2 hours I've been looking thru old paper work and still haven't find the original credit card numbers! I'm so stressed out! Help please!
125893
You can get your credit report by mail if you send them a copy of your driverse license and other identification information (SSI #, Date of birth, etc....)\n\nUsually, only TransUnion makes you jump through those hoops.\n\nThe link below has the address, and a downloadable for, you can fill out and mail in.  It takes about 2 weeks.
210760
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
266987
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
371133
Call all of your credit card companies, bank, library (if you have a card), & any other info you may have inside of your wallet.  Let everyone know you had it stollen & get new cards for everything.  You can even contact the 3 credit score places (Transunion, etc) & have a 30 or 90 day watch to make sure no one opens a new credit card in your name.  Ask a local policeman for advise.  They may write up a report so you have record of when it happened.
37879
Hi. Go to annualcreditreport.com.  Click on each CB's icon.  Then proceed to the contact us links at the upper right of each page.  I recently went through this.  I sent certified mail so that I could document everything.  To speed the process, make a cover letter detailing each issue and attach the correponding documentation.  GOOD LUCK!  They have 30 days.
27220
I have about 5 - Used to have more. I don't think 5 is needed though.  3 is my recomended # -  We USED to have credit debt and ended up keeping the 5 cards that have the longest credit history. That's the only reason we have 5.   I do use them often but now it is only for purchases that I KNOW I can pay in FULL when the bill comes.  So I am NOT in debt anymore - Thank You God!!  It was a long road to hoe - 10 long years we paid off our debt  (over $57,000  - not including house loan) \n\nI am a firm believer in credit used properly.  Too many people don't understand how to go about using credit and end up building a mountain of DEBT instead.  I learned the hard way that this not a good idea.\n\nPS -  andy_r_boyd  -  Don't close down your other card.  Just keep it open with no balance.  put the card away in your file cabinet for safe keeping.  When you close down your oldest cards you are closing down your history!!  TIME is your friend.  Just having the card there helps your credit score because you are in good standing with that card.  Plus it shows to other creditors that you are not out of control with your credit cards.  It looks good to have a card with no balance on it.  It shows that you can budget yourself and you don't have to rack your balances up or max your cards out.  Keep it until you are old and gray :)
230255
Have them run their own credit report at www.myfico.com and ask for a copy of it.  This also gives you the credit score and it pulls from all three credit bureaus.  It costs $12.95.   Or, they can write away for copies from all three bureaus but that will take a couple of weeks.  \n\nYou are smart to do this, by the way!
2268
www.annualcreditrport.com is the source for  a free report among the 3 largest credit reporting agencies. Experian, Transunion etc.\n\nWhat I do is to stage them 3 times a year so I can see what is being reported with each company.\n\nI simply mark my calender and then get an updated report.\n\nYou can get all three at once, but I think thats overkill.\n\nYou will pay a small fee for a FICO score.\n\nBest to you. Merry Christmas
32045
I believe this is the contact information you needed:\n\nEmail:  credit@credit-mgmt.com\n\nPhone:  308-382-3000\n\nWeb:    http://www.credit-mgmt.com/\n\nBtw, as an added measure of online privacy, you may\nconsider scrubbing your email address from the original\nquestion since this is a public forum.
72225
Hey Ryan~ You asked quite a few questions so I'm going to break my answers up so here it goes:\n\n"After I have paid off a collection and my credit report states that it is closed and paid in full"\n \nAre you SURE you owed the collectors? You may not have had a contractual or legal obligation to pay them. Did you ask for validation of the debt before paying? If not, even though you have paid them it is not too late to ask for the validation. If they cannot validate the debt, even though paid, you may be entitled to a refund of said monies as well as they cannot validate or verify the information with the credit reporting agencies.\n\n"do granters look past this." \n\nFor scoring it will not help your credit score. HOWEVER, if a creditor does a manual review of your credit then yes they may look past it as it has been paid especially for a mortgage. \n\n"On my current credit score I have 6 negative marks, 4 of the 6 are paid in full and closed."\n\nRemember what I said above about the paid accounts. For the 2 that are not paid; send them a debt validation letter by certified mail return receipt requested. You want them to prove to you that you have a contractual and legal obligation to pay them and not the original creditor. \n\n"From what I have read on here it seems to be a lengthly process of trying to get that mark removed before the seven years are up"\n\nIf they do not respond to your validation request send a copy of the certified letter along with a copy of the "green card" you get back from the post office for the certified mail to the credit bureaus along with a dispute of the tradeline in question. You have proof the debt cannot be validated therefore it must be removed according to the FCRA.\n\n"Is there any I can do to improve my credit score to get me great interest rates?"\n\nI don't know what your current scores are but yes there are several things you can do like continue paying your bills on time, lowering utelization on any accounts currently open. Do not seek further credit. Each inquiry can hurt you. With as many derogatories you currently have it may be difficult to get new credit. If you have a good history with your current creditors then you may want to consider calling them and asking them to lower your current interest or wave annual fees.\n\n"Also I have presented offers to the original creditors to pay the accounts in full if they will pull them back and none have taken any of the offers."\n\nThat is not uncommon. Try to work out a doable payment plan with the original creditor (OC) to pay off overdue balances. Do whatever you can to keep the OC from sending your account to a collection agency if at all possible. If you insist on continuing to make "offers" to the OC then make sure you're sending them in writing.\n\n"Correct me if i'm wrong but from my understanding once an account is sent to collections the original creditor is paid the unpaid balance in full from the collection agency and the agency comes after you and tacks on an agency fee?"\n\nOk I'm correcting you. In my opinion you're wrong. Some collection agencies may actually be "in house collectors" which means the collector is a paid employee of the original collector. Outside collectors are known as third party collectors or JDB's (junk debt buyers). In many contracts and states a collection agency may not be permitted to tack on additional fees which is why it's important to ask for validation so you will know what the fees are for if they are in excess of the OC. Many JDB's purchase debt for pennies on the dollar.
180324
you could go to Annualcreditreport.com. The gov does allow you to see your credit score annually but there is NO place that gives you the score for free. I think on this site it cost 5 bucks or something. When you choose a credit reporting company don t go with Experian cause they are a bunch of dumb a*sses!\n\nGood luck!
39953
if you've never had a credit report this year you can go to annualcreditreport.com and print all three reports for free, if you can answer all identity questions
222077
Would need a bit more info to advise you.  How many credit cards arewe talking about, what balances, what state?\n\nTake a look at the link below.  It describes what the Statute of Limitations is, and the reporting period for your credit.  \n\nLike Icsowesmemoney stated, they can sue you.  But as a general rule, they usually don't go after you unless you owe more then $1000, and it depends on if the collection agency is located near you or not.  Having to hire an out-of-state attorney isn't worth it unless your balance is fairly large.\n\nIf the Statute of Limitations has run out, you are home free.  If it's about to run out, you can gamble and hide from the collectors.  \n\nAs for your credit rating, debts are reported for 7 years, beginning on the day of the delinquincy.
121203
OK, I'm assuming that you have a entry on your credit reports for this debt...what is it listed as?  American General?  \n\nCan I also assume that you have already attempted to contact them by phone and mail?  No response?\n\nOkey-dokey!  Easy problem.\n\nSend a letter to the credit agencies demanding that they verify the debt and/or remove it from your records.\n\nThe agency will have 30 days to locate who owns the debt, and to verify that it is a legitimate debt.  If they find them, they will supply you with that information and you can pursue payment options with that company.\n\nIf they do not get a reply from them, then obviously they can't verify the debt.  By law it must be removed from the credit history.\n\nBe sure to check all three agencies to see if this debt is listed.  Go to www.annualcreditreport.com and get copies of them.\n\nGood luck
350320
Check with your BK lawyer before doing anything. As far as Cap One goes... I dont adv anyone to go to them just simply cuz I work at a credit reporting agency and they are the number one creditor for reporting things wrong like balance and late dates.  Doesnt mean its like that for everyone I've just seem a lot of neg things from them.
604960
That credit board site looks like a link farm to me. You can place a statement of up to 100 words on each credit report.\n\nUnfortunately, credit bureaus are not very consumer friendly and intentionally avoid telephone contact. My experience is that if you find a sales number, call that. It always gets answered by a human being. They can then transfer your call to the appropriate department.
607516
Go to any of the Credit Reporting sites Directly (Experian, TRW, etc). Somewhere there will be a tab for your Free Annual Credit Report. Follow the directions. You do NOT need a credit card. They will ask you some very detailed questions about You...Name, D.O.B. Soc Sec #, etc.