credit repair information?
831889
How bad is it? Do you need a band-aid or a surgeon?\n\nHave you called consumer credit counseling?
1127393
Check you credit report\n\nget a free on on www.annualcreditreport.com
1103852
check out my profile and use the link\nit takes you to a company that compiles banks and lenders for people with bad credit\nit also provides a credit repair kit help to get that score up
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
933526
Use letter #3 http://www.expert-credit-advice.com/free_credit_repair.htm
191046
First off do like the other poster said and get your 3 credit reports at www.annualcreditreport.com. Review them for accuracy. If you have other names that are significantly different (more different that just Mike or Michael) then send the credit bureaus a letter stating that you would like to have these item corrected. Send a copy of your drivers license (showing your current address, correct spelling of your name) a copy of your Social Security card and a copy of a utility bill for address verification. The bureaus will take about 30 days to respond but they will correct the info.\n\nGood Luck
262067
The above advice is excellent.  But you don't need anencouragementl the information you need is available on line.  Look at my links below.\n\nYou can fix your credit very easily.  But your situation requires a little more work.  \n\nFirst, my battle cry. You are about to go to war! Knowledge of the law is your only weapon.  Do not fight these people unarmed!  Read the links below.\n\nYour war plan consists of 4 steps.\n\nGet your credit reports.  Go to www.annualcreditreport.cthoroughlyrm all of the credit reporting agencies immediately that you suspect identity theft, so that a flag will be placed on your account.  No further credit can be made without first contacting you.\n\nContest every item on the credit report with the credit reporting agency.  They already have a system set up for disputes, just follow the directions on the credit report the send you.  This is the "verification" state, where the agency will contact the creditor to verify the debt.  If they don't respond, the report must be removed from your record.  The problem with this method is that all they do is ask the creditor if it's a valid debt. The creditor rarely check it thoroughly, and responds back that it's valid.  So the credit reporting agency leaves it alone and may just put a comment on your report that it's under dispute.\n\nThis is usually what happens during this stage, so you now must turn up the heat.\n\nWrite letters to each creditor on the credit reports. Explain that these debts are not yours, and explain the situation.  Be polite this time, just request that the debt be validated.  Note that word, VALIDATED!  Very important.\n\nValidating a dept requires the creditor to supply copies of contracts, bills, receits and anything used to calculate the debt.  If they can't supply it, they must remove the listing from your report.  They have 30 days to respond. Again, many time they ignore this letter.\n\nNext send a DEMAND to validate the debt.  I have a link to a template below for a good one.  \n\nBeyond that, you simply have to read the other links, educate yourself on the law, and follow through. It's going to take a while.  Keep records of names and dates, copies of letters and correspondence.  You may need them in the future.\n\nContact me if you need any further help, advice, or encorugement.
969658
Call the credit bureau
886122
No.  Most of those websites are scams.  They take your money and do nothing for you.  The reality is that noone can fix your bad credit except you.\n\nThe few websites that do help with this still have you do the work, they just provide you with the info.  Below is some info on how you can fix it yourself.\n\nFirst off, request your credit report (you can do it for free on the link below).\n\nOnce you go through your report, highlight those accounts that are bad.  Do any of those not belong to you?  Contact the credit report company and ask them to remove it from your credit as it does not belong to you.  Those that belong to you should be isolated into two categories:  Those you can pay off, and those you can't.  Contact those you can pay off and let them know that you will pay them off.  Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off.  Tell them you will not pay them unless they agree to remove the negative report.  They will.\n\nNow comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum.  Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens.  As before, ask them to remove the bad report as a condition of paying them.  Most companies will take a partial payment over no payment.  This takes finesse and persuasion.  Always ask for a supervisor when you call as they have the authority to negotiate an account.\n\nLastly, guard your credit.  Get a secured credit card through your bank and make a very small purchase each month and pay it off each month.  A history of purchases and timely payments will improve your credit over time.  There are no quick fixes, so beware those who offer them.\n\nBest of luck.
276111
Before wasting any of your money on a credit repair agency, read the links below.  Much of the work you can handle yourself.\n\nNon-profits will still charge you a fee, they are just not as high.  In my opinion they are still not worth the money.
81470
if the person affected your credit rating, contact FICO immediately. get a copy of your credit report, and then go through the process of writing letters to remove errors from your report.\n\nto move forward in life, business, or whatever, it's very important that your credit is clean!
1086341
Credit counselors are great and they are free. There are millions online, but be careful to do a background check on them. My parents used Genisis.
678347
Don't panic....just follow my instructions and you will get through it.\n\nIdentity theft is a huge crime now, and all of the major credit reporting companies have already set up programs to deal with it.\n\nYour first step is visit the FTC's website and read the file they created about ID Theft (see the link below).  \n\nGenerally, the procedure goes like this:\n\nNotify the police and get a police report.  Note the police won't do anything about it...no investigation or anything.  Doesn't matter, you need to have a police report made to protect yourself.  So INSIST that your local police give you one...even if it's just an "incident report".\n\nNotify one of the credit reporting agencies (Equifax, Experian, Transunion) and inform them you are the victim of identity theft.  They will in turn contact the other Credit agencies.  All three will place an ID Theft Victim flag on your report, with instructions to contact you in the event someone tries to get credit in your name.\n\nContact the creditor who gave the loan and inform him it's not your loan.  You may have to supply a copy of the police report, plus a signed and notorized affidavid stating that the debt is not yours.  Go to the link below to get it.\n\nDo this NOW!  ID thieves are like cockroaches.  When you start seeing a problem, it's usually a whole lot worse and you have to begin fighting it.  They may have lots of other loans out there.  You only know about them when the collectors start to come after you.\n\nGood luck, contact me if you need help.  I've been there, and have helped many others fix their problems.
313529
Try contacting http://www.creditunions.com/data/cusearch/\n\nGood luck!
587640
I am in the business of helping people with credit and I can tell you the fastest, most effective way to do it. First, get the addresses for all 3 credit bureaus. They are Equifax, Experian and Empirica. Once you have their addresses, make copies of all documentation and send it to them. Explain everything to them in full detail. This is the most direct way to get it off your credit. All 3 bureaus must be contacted to guarantee the removal. If you want to go online through their website then you'll have to scan your receipts and do the same thing. Happy trails!
965816
You can go to the loan office and ask them to please report it to the credit dept. and also ask to receive a print out of your payment history so that you will have proof in black and white that it was in good standing, you might also want to contact the credit agency to contact the loan office requesting the info to update your credit files