I have a low credit score but I don’t have any major debt. When I graduated from high school, preparing for college all these credit card companies were sending me cards. so like a idiot I used them not thinking about my credit score. I got behind on all of them. I had like 5 and i had to settle with the majority of them so i could get rid of them. However, now 6 years later I want to buy a house and get a car and my score is jacked up. I have paid all them off through settlement. but they are still reporting negative on my credit report. I have a phone bill of 1 I need to pay that’s still on there but my score is poor. What can I do to speed up the process for me to be able to at least get a car and a house. I know I have to pay that phone bill but how do i get those write offs and charge off, gone forever. Any suggestions?

Technorati Tags: 6 years, cards, credit card companies, credit report, credit score, preparing for college

Ok I am 23. I am a first year grad student and I also have a full time job. I am trying to be responsible and plan for my future. I have a low credit score because of stupid stuff and now I am trying to build my credit and show that I am responsible. I have 3 hospital bills on my credit report which I just paid all three of them off, I have a utility bill that I paid off, and I have a old phone bill that I am in the process of paying off. I wont to get a credit card to help show that I can pay bills online but I am not sure who I should go through since my credit isn’t the best. any suggestions. Thanks in advance

Technorati Tags: credit card, credit report, credit score, full time job, grad student, hospital bills, stupid stuff, thanks in advance

I just need to update the home address on my credit report.Every time I try to get my credit report or a credit card I have trouble or the process is prolonged because of the information not being updated.I’ve tried calling equifax,experian, and trans union but every time I call it just gives me a two options through the automated system either raise a red flag and fraud or get free credit reports.Should I write a letter if so how should I word it and what information should i disclose?Is there another phone number I over looked where I can speak to a live representative?Any info would be GREATLY appreciated thanks!

Technorati Tags: automated system, credit card, credit report, equifax, experian, fraud, free credit reports, home address, phone number, red flag, trans union

To make a long story short, I had a merchant credit card processing account setup through the original creditor, Cardservice International, approximately 4 years ago. During that time I only made a few charges using the account. They were large charges and totaled just over ,000 altogether. These charges were never deposited into my bank account and I was contacted by a man working with their fraud management department. He wanted me to send out products before receiving the funds so I did not agree and I stopped using the merchant account. I also contacted my bank to block their access to my checking account.

Now they have hired the collection agency Allen & Associates on their behalf to collect the ,000 that they never gave me in the first place! I’ve obtained former bank statements from Wachovia and spoken to a branch manager. I attempted to send this information to Allen & Associates, but the agent on the phone refused to provide me with a fax number where I could send documents to dispute this debt and told me that I should just get an attorney because they will sue me. They did "claim" that a representative from Wachovia will be present to testify that the deposits were made so tomorrow I plan to bring the list of supposed deposits into a branch to get a certified letter from a branch manager stating that they were not. This invalid debt for ,000 is also on my credit report as of right now. I’ve disputed it and it was removed at one point, but it appears that A&A has reported it again.

I need to legal advice on how to proceed. I’ve tried to dispute the debt, but obviously they will not allow me to even show them the documentation I have to support my claims. If I do file a suit against them do I file against the CA or the original creditor?

Technorati Tags: amp, bank statements, checking account, credit card processing, credit report, creditor, fax number, fraud management, legal advice, management department, merchant account, merchant credit card, merchant credit card processing, wachovia

About 2 years ago I opened up a merchant account with a credit card processing company called Card Service International so I could charge credit cards for my ebay sales instead of using Paypal. Well the first week of sales totaled about ,200 or so. A few days after charging the cards I still saw no sign of the money in my bank account. Then a few days later I saw a DEBIT for ,200 on my account from CSI (card service international). I called them about they explained that since my accoutn was new a red flag was triggered in their system and they were going to have their fraud dept review my account and until the review was complete they would have to chargeback all my recent orders. I explained to the man on the phone SEVERAL TIMES that they have never DEPOSITED the money from the orders into my account int he first place so they didn’t need to DEBIT my account because they never gave me the money to begin with that I had earned from the sales. Apparenly he didn’t care….
I researched the company and found several other complaints similar to mine that and that many class action lawsuits had been filed against CSI b/c they had a history of fraud. I quickly blocked all access to my bank account by this company and filed a chargeback to get my 00 back.

So this morning (2 years later) I wake up and find that I have some new info on my credit report. CSI is claiming that I have debts owed to them amounting ,500! I cannot imagine that the amount of money I owe them could possibly even be anywhere NEAR this amount. My merchant fees per month were only a minimum processing fee and a statement fee. How could I POSSIBLY owe them over 16 grand?

Now is it just me, or can they legally do that? There is just NO way I could owe them that much money. I don’t know what to do. Should I consult an attorney?

Technorati Tags: amount of money, card service international, class action lawsuits, credit card processing, credit cards, credit report, csi, debts, ebay, ebay sales, few days, fraud, merchant account, merchant fees, much money, processing company, red flag, several times

I graduated from my second college in December of 2008. While in school, my loans were in deferment from my first school. The company who bought the loan was ACS. I found out recently that "Sunburst Bank" had been reporting my student loans as late from June ‘08 through December ‘08 (while they were in deferment). I called the phone number on my credit report for "Sunburst Bank," and the phone number was for ACS - the company that bought my student loans. As if that wasn’t confusing enough, the lady who said she would send my inquiry on to the "credit reporting department" also said that there was no one to talk with in that department…..leading me to ask then how is this inquiry going to be processed. In the meantime, my credit score has tanked over 100 points, my credit card companies are raising my APRs, my car insurance is rising……and all for something I didn’t do and that isn’t my fault.

How do I get this corrected? I first reported the mistake on August 27, but today when I called the claim is still "pending" and they had no more information than that. They said that it takes 5-7 days for a claim inquiry to be processed through their credit reporting department and that I would be notified when it has been resolved…..but if there is no one to talk with in that department, how is anyone going to notify me???? If there is anyone out there who has an idea what steps I should take, please I’m desperate.

Technorati Tags: acs, aprs, car insurance, claim inquiry, credit card companies, credit report, credit score, insurance, mistake, phone number, reporting department, student loans, sunburst

This is not really a question more like information for you guys. I have been doing this on my own since September 2009, decided not to waste a month with Lexington Law to do the same thing, I have managed to Successfully have my Bankruptcy Chapter 7 (Filed in 2005) DELETED from all 3 Credit Reports, as well as 10 other Negative Credit Cards from Capital One, Target, Macy’s and various collection agencies within 4 months.

Just recently I have been able to obtain a New Car Loan, and a Cell Phone Credit Account.

Here is how you do it:
Get your credit report
THE FIRST DISPUTE WILL MOST LIKELY NOT REMOVE IT -
Dispute the information "Please verify all balances/dates as this accuracy of this account is incorrect"
**They have 30-45 days to respond, if they do not verify it, by law it is deleted, if they do it will update*

**DO NOT GET DISCOURAGED- - THIS IS A PROCESS**

When/If it comes back unchanged/Updated Re-Dispute it and state:
"Please state your method of your verification process and source all information on balances, dates and provide information"

Give it 30-45 Days, It most likely will come off/delete from your credit report
If it does not, re-dispute it again with the same statement

My score has increased 100 points in 5 months and i have went from 10 derogatory remarks and a bankruptcy to 3 remarks and no bankruptcy

Technorati Tags: 4 months, 5 months, accuracy, bankruptcy chapter 7, capital one, cell phone, collection agencies, credit cards, credit report, credit reports, derogatory remarks, macy, new car loan, score, target

JPMorgan Chase said it was not acquiring any senior unsecured debt, subordinated debt, and preferred stock of WaMu’s banks, or any assets or liabilities of the holding company, Washington Mutual Inc. JPMorgan also said it will not take on the lawsuits facing the holding company.

Now, if there is no signed credit card agreement between me and I also loss stock in WM, can I dispute my credit card debt? The problem is WAMU screwed up my account and gave me a card over the phone based on an equity loan that had been closed for over a year. When they found out the mistake, they demanded payment in full. I disputed and asked them to simply transfer to a new account and send me a credit card agreement at the same interest rate. They refused and rather then work to resolve the issue, they threatened me with fraud.

I had to retain a criminal attorney which cost almost 10K to prove the error on their part, which they eventually admitted to. However, the stress was so much that I had a heart attack and was hospitalized. So we where in the process of filing a lawsuite against WAMU for what happened and what I have suffered as they refuse to remove the dispute from my credit report.

Since then I had to retain a credit attorney (who is off today - but I did leave his office a voice mail ) and I want to know if whoever holds the new debt, if they can’t prove the debt was agreed upon or there was no valid contract, can they uphold the debt and if so, can I then take the legal action against them for what I suffered?

Technorati Tags: credit card debt, credit report, criminal attorney, equity loan, heart attack, holding company, interest rate, jpmorgan chase, lawsuite, lawsuits, liabilities, preferred stock, subordinated debt, unsecured debt, valid contract, voice mail, wamu, washington mutual, washington mutual inc, wm

I have a few questions about raising my credit score. My score had been at 680 until recently, when I accepted a new job and relocated to a new city. In that process, I have applied for a mortgage, and have had a credit report run by about six different services ranging from DirecTV, T-mobile, the background check company for my new employer, etc. In this time I have seen my score go from a 680 to a 637. Ouch!!! Also, my credit monitoring service says that one reason for my low score is that I do not have a major credit card, as well as a few late payments in my past. So here are my questions:

1. How long can I expect those recent inquiries to pull down my credit rating? I would think that after a few months I could anticipate seeing it climb back up into that 680 range. Am I right?

2. With the 637 that I have now, is there some kind of credit card that I could get? I don’t really want a credit card, but just for the sake of having it to pull up my score I guess I could get one. What card should I apply for, and will this actually help?

3. My score is also not perfect because of a few late payments about 2 - 3 years ago, and two different disputes over very small amounts of money that the phone company decided I owed after having closed accounts (and moved, thus never having received any notifications until I started monitoring my credit). For how long can I expect those things to plague me?

Thanks! A good response to each of my 3 questions will earn 10 points

Technorati Tags: 3 years, background check, credit card, credit monitoring service, credit rating, credit report, different services, inquiries, late payments, money, mortgage, new job, notifications, ouch, sake, t mobile, very small amounts