Credit Troubles. Any ideas?
958792
Call the credit card company and make sure that your payment was received.
817065
I am impresssed with your vigilence.  Be patient.  It may get worse before it gets better.  \n\nThe following article is about credit repair and most of it will not apply to you but there is still some good information in it.  There is also a link at the very bottom of it that will take you to a law firm that specializes in the matter.\n\nhttp://www.fastlender.com/article/credit-repair.aspx\n\nGood luck - I hope you get to see the scum thrown in jail.
941435
CALL THE CREDIT CARD COMPANY AND FILE A CLAIM!!!!\n\nDO IT IMMEDIATELY\n\nThey will be able to help you on the next steps.
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
1158534
When I started my credit repair, I went to "many" different credit repair sites. Some were terrible, some were no help, but I had finally found a couple good ones that I've learned alot from (one in particular).\n\nDon't use a site that charges you for their info on credit repair, you can find the same things and probably more on other sites.\n \nI'm listing the best site that I had found.
498396
Contacting the major credit bureaus requires patients and persistence. I would first look at the Federal Trade commission web site for options. Also, you will be better prepared to deal with them after you look at the FTC site.
939898
call any of the credit reporting companies.  they will put it on your file at no cost.
978354
Your credit score won't be affected unless you make late payments.  You're okay.\n\nGood Luck!
297382
There may be such a company. If I were you I would not believe a word of it. If something sounds too good to be true it probably is. Good luck friend. I wish you well. Nobody unless it is a charitable organization will help you with credit problems for free.
110760
Why don't you contact the c/c customer service via their website? With a computer, you can get answers as fast as 48 hours. I have NEVER had any problems(knock on wood!) doing business with my bank or c/c company using their "help" or "ask us" section using my computer. All my payments have debited from my checking account on time and I haven't been late for a long time. The sites are secure and so far, I have not had my identity stolen or any other problems.\nThey aso have 800 numbers and you can talk "live" with a rep. \nIt is April and your problem occured almost 6 months ago. You better hurry or your credit will be shambles!
1009645
It's going to take a long time.  I would write all 3 credit reporting agencies and see what you can do.  If you need to buy something in the next 5-7 years you may have to rely on a friendly relative with good credit until you get it all paid off.
68414
K, I don't know about paying some one.  Look for private owners (apartments that are small, like one building, or several buildings with multiple private owners)  private owners are less likely to check your credit history.
391711
Go to the credit reporting company that has the disputed item(s).  They will have a link that says something to the effect of "something not right on your report? Click here to find out how to fix it" or dispute credit report here.  They will provide a form that you fill out and send to the reporting agency.  Or you could call the credit reporting agency and dispute it over the phone.  It's faster through the phone.  I am sure they also have an e-mail feature, also.  I know Equifax, Experian and Transunion are the three biggest agencies.
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
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!