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Many Sallie Mae student loan borrowers have seen a drop in their credit scores in the past week. It seems there was an error when the lender was reporting...
Identity theft is something you never want to deal with. It can seem like forever trying to clear your name once someone has opened accounts with your information or...
Literary allusions may not be controlling legal precedent, but they can make a point while enlivening an otherwise dry argument.* When the judge in in re Baum, US Bankr. ND Ohio, Feb. 29, 2008 paraphrased “A fool, but an honest fool you remain, Peregrine Took” (J. R. R. Tolkien, The Two Towers p. 579) as [...]
The Honorable John H. Squires, Bankruptcy Judge of the Northern District of Illinois, says NO!Michael Mason was popped in Dekalb County IL for possession with intent to deliver over 30 grams of weed.* The Circuit Court set bail at $700 Grand.* Illinois law permits a criminal defendant to post a cash bond of 10 percent.* [...]
In this series of posts, I will try to address some of the most common questions my clients ask me about what will happen while they are in a Chapter 13 bankruptcy, and beyond. In this post I’ll discuss the mechanics of drafting a Chapter 13 plan.A brief reminder: A Chapter 13 [...]
Credit cards and loans typically require a payment every month. Knowing this, you should be prepared to make the payment. However, there are many people who, for one...
According to the Office of the United States Trustee, audits, which were suspended in January 2008, will resume on May 12, 2008.The announcement states:5/9/2008As mandated in Section 603(a) of Public Law 109-8, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the United States Trustee Program (USTP) established procedures to audit petitions, schedules, and [...]
Schedule G to a bankruptcy petition requires the listing of executory contracts (and unexpired leases) to which the debtor is a party. An executory contract is a contract under which performance is due by both parties. The remaining duties to be performed under the contract must be material and substantial in the context [...]
If any of you host or contribute to a blog, you know that like potato chips, it is almost impossible to have just one (blog, that is).* In addition to serving as a contributing editor of the Bankruptcy Law Network family of blogs, I maintain my own Atlanta bankruptcy blog.Occasionally, I get questions on my [...]
New Local Bankruptcy Rules went into effect on May 1, 2008 in Massachusetts. The new rules include changes to the local forms and can be viewed here. If you liked that post, then try these...April Fool - Bankruptcy Changes Florida Constitution Again by Carmen Dellutri, Attorney at LawBeware of Tax Loan Services (For [...]
What do rising gas and food prices have in common? They both eat up a substantial part of your monthly budget. And if you filed chapter 13 within the past few years, you submitted a plan of monthly payments based on a budget before gas and some food prices doubled. It may [...]
So you got a discharge, none of your assets were taken, and now you want to pursue a previous creditor for collection violations which occurred prior to filing. *Maybe there was an FDCPA or other state UDAP claim. Can you do it? *Yes, as long as you listed those claims on your schedules as assets. [...]
For most people, the decision to consult a bankruptcy attorney seems to be the most difficult part of the bankruptcy filing process. *But talk to anyone 6 months after filing and they will usually tell you that that decision to file was one of the best decisions they made in their life.*Generally, there are two [...]
When you file for bankruptcy, you are generally given three choices with regard to a secured debt; that is, a debt that is attached to a lien on something you own. *The Bankruptcy Code specifically deals with reaffirmations and when and how they must occur. *That information appears elsewhere on this site and there is [...]
There are many credit repair guides out there, they all use different approaches to fixing bad credit. The FlyingIFR guide is quite an aggressive method. I also read some guides from Credit Info Center and other sites. At the end of the day, guides are helpful but consumers need to read as much as they can. Have you ever asked yourself How can I fix my bad credit? or How to repair bad credit? FlyingIFR and the many other guides on the internet will get you started.
Fixing bad credit is not easy, but anyone can doit with the right information, InfiniteCredit prides itself with providing accurate up o date information.
I am often asked by people "what are the ways to fix bad credit" The answer is fairly simple, the right way to fix credit is dispute and remove inaccurate information from the credit files, protect the rights afforded to you under the FDCPA dispute questionable debts without hesitation. At Infinite3 credit you can obtain free credit repair information.
Stay away from alleged reputable credit repair companies, they will take your hard earned cash and do half the job, you could do, should you decide to fix your credit yourself. There are many credit repair law firms out there that will do no more than what you can do after you educate your self. You ever wondered how complicated it is to repair your credit report? Then wonder no more, join our humble site and learn your rights, free credit repair advice to repair your credit report is at your finger tips. Get the latest credit repair info today, do not allow your poor credit to keep you from obtaining, car loans, personal loans and a credit card. Refinance your home or mortgage, obtain the credit that will allow you to obtain home loans today!
With the current mortgage situation, more people will find themselves with a tarnished credit file in desperate need of repair. While some people will run to a credit repair company and pay for services with money they cannot afford to spend; others like yourself will find free fast credit repair boards and will learn to do the work by yourself on the creditboards.
If you are a beginner and do not have a clue, feel free to read up here; Bad Credit Repair
Do not wait until the last minute to correct your current financial situation. Many times we ignore the bill's hoping that they will magically disappear. Unfortunately that is not going to happen, meet your creditors and collection agencies head on. Fixing bad or negative credit is possible and all it requires is a little time and patience. You can be one of the hundreds of members that have turned the frown upside down!!!
Ways to repair bad credit is available on this site, lots of Information to fix bad credit is only a few clicks away. Why use a bad credit repair service, or bother with an inaccurate credit repair guide? Get the latest, up to date information; this creditboard will help you repair a bad credit rating. I cannot describe the sense of fulfillment after I was able to fix my bad credit.
Found this interesting article on how to fix the bad credit quickly. Fix your credit legally, fix bad credit yourself today!
Quote:
7 fast fixes for your credit score
If you're dragging around a bad credit score, you'll pay more for car loans, credit cards and mortgages. Here's how to turn it around in a hurry. Plus: 4 credit mistakes to avoid.
By Liz Pulliam Weston
So you've had a few problems getting the bills paid lately, and you're wondering what you can do to repair the damage. You've got plenty of company. There are more than 30 million people in the United States with credit blemishes severe enough (and credit scores under 620) to make obtaining loans and credit cards with reasonable terms difficult. Or maybe your credit is OK, but you'd like to make it better. After all, the better your credit, the lower the interest rates you can secure on mortgages, car loans and credit cards.
Know the score
In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports, you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs. You can obtain your FICO credit scores, the ones lenders use, from MyFico.com. Or you can get Experian's "consumer education" version here.
Now you're ready to take the seven steps to speedy credit repair:
1) Pay down your credit cards. Paying off your installment loans (mortgage, auto, student, etc.) can help your score, but typically not as dramatically as paying down -- or paying off -- revolving accounts like credit cards.
The credit-scoring formulas like to see a nice, big gap between the amount of credit you're using and your available credit limits. Getting your balances below 30% of the credit limit on each card can really help. While most debt gurus recommend paying off the highest-rate card first, a better strategy here is to pay down the cards that are closest to their limits.
2) Use your cards lightly. Racking up big balances can hurt your score, regardless of whether you pay your bill in full each month.
What's typically reported to the credit bureaus, and thus calculated into your score, is the balance reported on your last statement. (That doesn't mean paying off your balances each month isn't financially smart -- it is -- just that the credit score doesn't care.) You typically can increase your score by limiting your charges to 30% or less of a card's limit. If you're having trouble keeping track, consider using a check register to track your spending, logging into your account frequently at the issuer's Web site, or using personal finance software like Microsoft Money or Quicken, which can download your transactions and balances automatically.
3) Check your limits. Your score might be artificially depressed if your lender is showing a lower limit than you've actually got. Most credit-card issuers will quickly update this information if you ask.
If your issuer makes it a policy not to report consumers' limits, however -- as is the usual case with American Express cards and those issued by Capital One -- the bureaus typically use your highest balance as a proxy for your credit limit.
You may see the problem here: If you consistently charge the same amount each month -- say $2,000 to $2,500 -- it may look to the credit-scoring formula like you're regularly maxing out that card.
You could go on a wild spending spree to raise the limit, but a more sober solution would simply be to pay your balance down or off before your statement period closes. Check your last statement to see which day of the month that typically is, then go to the issuer's Web site about a week in advance of closing and pay off what you owe. It won't raise your reported limit, but it will widen the gap between that limit and your closing balance, which should boost your score.
4) Dust off an old card. The older your credit history, the better. But if you stop using your oldest cards, the issuers may stop updating those accounts at the credit bureaus. The accounts will still appear, but they won't be given as much weight in the credit-scoring formula as your active accounts, said Craig Watts, an executive at Fair Isaac & Co., one of the leading credit scorers. That's why Ferguson often recommends to her clients that they use their oldest cards every few months to charge a small amount, paying it off in full when the statement arrives.
5) Get some goodwill. If you've been a good customer, a lender might agree to simply erase that one late payment from your credit history. You usually have to make the request in writing, and your chances for a "goodwill adjustment" improve the better your record with the company (and the better your credit in general). But it can't hurt to ask.
A longer-term solution for more-troubled accounts is to ask that they be "re-aged." If the account is still open, the lender might erase previous delinquencies if you make a series of 12 or so on-time payments.
6) Dispute old negatives. Say that fight with your phone company over an unfair bill a few years ago resulted in a collections account. You can continue protesting that the charge was unjust, or you can try disputing the account with the credit bureaus as "not mine." The older and smaller a collection account, the more likely the collection agency won't bother to verify it when the credit bureau investigates your dispute.
Some consumers also have had luck disputing old items with a lender that has merged with another company, which can leave lender records a real mess.
7) Blitz significant errors. Your credit score is calculated based on the information in your credit report, so certain errors there can really cost you. But not everything that's reported in your file matters to your score.
Here's the stuff that's usually worth the effort of correcting with the bureaus:
* Late payments, charge-offs, collections or other negative items that aren't yours.
* Credit limits reported as lower than they actually are.
* Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
* Accounts that are still listed as unpaid that were included in a bankruptcy.
* Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report.
You actually have to be a bit careful with this last one, because sometimes scores actually go down when bad items fall off your report. It's a quirk in the FICO credit-scoring software, and the potential effect of eliminating old negative items is difficult to predict in advance.
Some of the stuff that you typically shouldn't worry about includes:
* Various misspellings of your name.
* Outdated or incorrect address information.
* An old employer listed as current.
* Most inquiries.
If the misspelled name or incorrect address is because of identity theft or because your file has been mixed with someone else's, that should be obvious when you look at your accounts. You'll see delinquencies or accounts that aren't yours and should report that immediately. However, if it's just a goof by the credit bureau or one of the companies reporting to it, it's usually not much to sweat about.
Two more items you don't need to correct:
* Accounts you closed listed as being open.
* Accounts you closed that don't say "closed by consumer."
Closing accounts can't help your score, and may hurt it. If your goal is boosting your score, leave these alone. Once an account has been closed, though, it doesn't matter to the scoring formulas who did it -- you or the lender. If you messed up the account, it will be obvious from the late payments and other derogatory information included in the file.
4 other credit mistakes, Other actions to beware when you're trying to improve your score:
* Asking a creditor to lower your credit limits. This will reduce that all-important gap between your balances and your available credit, which could hurt your score. If a lender asks you to close an account or get a limit lowered as a condition for getting a loan, you might have to do it -- but don't do so without being asked.
* Making a late payment. The irony here is that a late or missed payment will hurt a good score more than a bad one, dropping a 700-plus score by 100 points or more. If you've already got a string of negative items on your credit report, one more won't have a big impact, but it's still something you want to avoid if you're trying to improve your score.
* Consolidating your accounts. Applying for a new account can ding your score. So, too, can transferring balances from a high-limit card to a lower-limit one, or concentrating all or most of your credit-card balances onto a single card. In general, it's better to have smaller balances on a few cards than a big balance on one.
* Applying for new credit if you've already got plenty. On the other hand, applying for and getting an installment loan can help your score if you don't have any installment accounts, or you're trying to recover from a credit disaster like bankruptcy.
By the way, all these suggestions work best if you have poor or mediocre scores to begin with. Once you've hit the 700 mark, any tweaking you do will tend to have less of a positive impact.
And if your scores are in the "excellent" category, 760 or above, you'll probably be able to eke out only a few extra points despite your best efforts. There's really no point, anyway, since you're already qualified for the best rates and terms. Here's one area where it's really OK to rest on your laurels and worry about something else.
Liz Pulliam Weston's column appears every Monday and Thursday, exclusively on MSN Money. She also answers reader questions in the Your Money message board.
Bad Credit? Learn how to repair your credit score, get rid of debt & avoid debt consolidation or bankruptcy. Fix credit score fast, yourself. People often ask; How do I fix my credit or how can I fix my bad credit. Fixing and repairing bad credit is doable with some time and education.
Having bad credit can literally affect every aspect of your life. A low credit score means promised financial limitations and difficulties. As if this wasn't enough, you'll also have handfuls of credit councilors and other so called money managers trying to take even more from you with their debt consolidation plans that promise to "cut your payments in half", "save you thousands", or our personal favorite "get you out of debt with the click of a mouse". If only our computer mouse had the debt relief magic that those bad credit spam emails promise. Although getting out of debt can't be done with a click of a right mouse button, it's probably not as hard as you think. Keep reading to learn how you can fix your bad credit and get of debt the "do it yourself" way.
How to repair your bad credit & raise your credit score: The skinny
We often get the same questions "what is the quickest way I can pay off my debt?", "how can I get rid of all of the negative information from my credit report?, "I need a big boost in my credit score immediately... how can I do that?". Unfortunately, all of these people are looking for the same thing; credit repair secrets. Unfortunately there is no such thing. Although it's easy to forget this, due of all of the credit repair services advertisements out there, the truth of the matter is that repairing your bad credit and increasing your credit score is going to mean peanut butter sandwiches for lunch, a downgrade on your cable plan and a crash course in bad credit repair education. Now there are many tools that will help you remove unwanted negative information that is not accurate. The credit repair process is time consuming, It is however a rewarding process, you will never look at credit the same way after you are done.
Why you should stay away from debt consolidation & Bankruptcy
When things start looking rough for people with bad credits, the lure of those bright credit repair advertisements can look promising. Some are so convincing that they almost have you believe that the man in the ad sitting on in the rocking chair on the front porch of his house is actually a client of theirs and not a paid actor.
We here at Infinite Credit ere aware of such services, many of the firms out there will have you believe that you would be in debt for over 30 years with all of their outstanding credit (student loans, credit cards etc). However, in fact the all of debt could easily be paid back within 8-12 years. Somehow they clicked their mouse and came up with 30 years? Next they continued to tell us that they would take on our debt for us at the small cost of $10 per account. Since there were 4 accounts open, it would cost us $40 a month just to pay for their service. After listing to their sales pitch, we decided to ask questions. First of all, they claimed to be "not for profit". It turns out that was true. The fee they would charge us is simply a "service fee" to help them pay for overhead and other operating expenses which is completely legal. We then asked them about how they would deal with our creditors and they explained to us that they would simply renegotiate a repayment plan for us by stretching out our repayment schedule, paying off our highest debts first and renegotiating lower interest rates. This may seem nice of them, however anyone can do this for themselves without the help of a credit councilor and without all of the monthly fees.
It simply doesn't make any sense to pay someone to do something that you can easily do on your own for free. You can fix your own bad credit and increase your credit score by renegotiating all of the things mentioned above. We believe in the "do it yourself" approach to bad credit repair.
There are instances where bankruptcy becomes a necessity, make an educated decision. Empower yourself, stop the debt collectors dead on their tracks. Hit them where it hurts "their wallet". Did you know that if you send a debt collector a validation letter within the 30 days of the initial contact and the debt collector fails to validate the debt, they are no longer supposed to contact you to collect the alleged debt?
You owe it to yourself, before you apply for a credit card or a home equity line of credit, look at your credit report. Your credit score will dictate the terms of your credit card. Do not allow bad credit history or a loan that gave you bad credit, get on the way of applying and obtaining a credit card with good credit terms. Improve your credit score today!
Reading your credit report for the first time - and sometimes even the second or third - can be confusing. Understanding your credit report is crucial to achieving your...
Repair credit score with the Legal credit repair tips and tricks offered by members that have been there, done that! Why pay a credit repair business when you can have a free credit repair by cleaning your personal credit file yourself. Learn about a validation letter and how to use the validation letters. Have you been turned down for a car loan due to bad credit? or You could not get a home loan with bad credit? then this site is for you! Do not allow bad credit to stop you from refinancing your home or obtaining a home mortgage.
Do not buy a credit repair kit, pay sites will tell you that they can offer a fast credit repair program. The truth is that bad credit restoration is not something that can be done over night, correcting inaccuracies on a credit file, will take time, patience and understanding on how the credit Bureaus work and more importantly the Fico Scoring system. You will need to be disciplined and keep thorough records of everything. Repair bad credit, repair credit score yourself, medical bill credit repair, start today! InfiniteCredit is the premier credit repair forum.
I decided to fix my credit three years ago, since then I have devoured as much information as possible. Knowledge is power and you can fix your personal credit file or fix your Fico credit score without the need to pay for a credit repair kit or a credit repair company. Fixing my credit was not easy, but I was able to do it with help from communities such as this one.
You will learn this an more on our site; Credit Repair
Welcome to the IC Credit Repair Forums, the premier credit discussion board.
You are currently viewing the Free Credit Repair Discussion board, news section. Learn to Fix your own personal credit, the same way a credit repair company would. Feel free to visit the Credit Repair discussion forum, You need help with a Collection Agency or simply want to improve your Fico Score? Maybe you want to learn about total credit restoration, consumer rights; the fair credit reporting act or the fair debt collection practices act, the our credit boards are just what the doctor ordered.
We have experienced the same things you have, from good credit to bad credit and sometimes leading to Bankruptcy. Credit repair is not an easy process, it is not something that happens over night, but with patience and organization and the help of the many people on this board, people that have been trough similar situations as you, it is possible clean a credit file and remove all the inaccurate information. You can go from no credit or high risk credit to sub prime and even prime credit in no time! Bad Credit Restoration is possible.
So what are you waiting for? Join the credit board the intricacies of the credit bureaus are explained in a language that anyone can understand, sample good will letters, validation letters, Intent to sue letters are only a couple clicks away. Join us in our credit repair discussions Total Credit Restoration
Fix your personal credit or build business credit, often times with no personal guarantee. Once you learn about your rights you will never look at a collection notice the same way, you will not fear opening a collection notice. Infinite credit is more than a credit repair site, we can help you with money management; you might need a couple of extra points on your Fico score to qualify for a mortgage. If any of the above items apply to you, then you are at the right place, welcome to the InfiniteCredit creditboards. The place to repair credit rating, we are not a credit repair company and do not offer credit repair services. We give you the tools to repair your credit score yourself! This is the premier credit repair forum, join our boards and see for yourself.
I think I have seen all sorts of credit fixing scams that usually end up helping the owner of the website instead of the consumer. You probably have been trough some sites your self, credit bible that is a popular search or credit cards repair maybe you have been to credit bureau repair sites that do not live to their expectations and fail to repair the credit report.
At InfiniteCredit we are not trying to sell you anything, there are no secrets in our community. We are a group of people like yourself that believe in second chances, in the site you will find the tools, resources and the people willing and able to help you resolve the most complex credit problems. Although there are bad credit score credit cards, why settle for sub-prime rates? Credit score is even more important when you are considering purchasing a home, the higher your score, the lower your interest will be. It does not sound like much but even one percent lower on a home mortgage can equate to saving thousands of dollars over the thirty year term. The fico credit report score is the single most important thing currently in the financial world, it will determine if creditors extend credit to you, how much credit and the terms of the credit extension, do not take it for granted.
There are many building credit credit cards in the market, but there are other important factors that will dictate how much your score will increase or decrease over the years. Heck even people with horrible credit can get a rebuilding credit credit card, improving your credit score is not rocket science . I personally believe that anyone can do it with the right tools. The information that will help you is here, no strings attached, no catch FREE! A 500 credit score, 600 credit score even 700 credit score is attainable with discipline and perseverance. Get help to repair your credit!
Dispute bad credit and replace it with good credit. most people try to obtain credit cards credit score instead of obtaining first credit score credit cards. Get your credit score up and you will be able to hand pick the credit cards that meet your terms.
Get the latest news, credit updates and events on this your site; InfiniteCredit
Both Cap One and RJM have dismissed recent cases against me in court.
I sent a copy of the dismissal to each of the 3 CRA's and explained to them that this couldnt possibly be verified as they dismissed a lawsuit in the court because they could not provide proof they were mine and asked for a deletion.
Now have all 3 CRA's have verified that both Cap One and RJM are reporting correctly.
I sent a Validation letter to 3 companies one on 12/ 7/ 2007 1/15/2008 and the third 2/15. I did receive notification on the first 2/29/2008, the second 4/3/2008 and the third nothing yet. I also sent letters saying they couldn't call me family work etc..
The first one called yesterday and I realized when reading the letter the agency had 30 days to respond and the notification came later as did the rest. Also In the letter I only got a credit application is this enough information even though I asked for more like licenses numbers and statements, etc..
I was going to negotiate today but the gentleman said it went to litigation because he did all he could do. I explained to him that first the company wasn't even allowed to call but did and I never received much information in the validation letter except the credit application which any one could have and the validation letter didnt answer all my questions. I now realized that the letter came after 30 days from my request. It was faxed and mailed (not registered).
Do I have any leg to stand on?
The 2nd company came later too and nothing from the 3rd yet. What do I do next.
For the 1st company should I send a letter offering a certain amount?
I've been to Michigan Collection Law Blog and read their interpretation of Isom v Javitch Block & Rathbone but have been unable to find the downloadable pdf file so that I can read the case in its entirety.
I have been told by a CA/law firm that they do not have to provide proof of the debt before the judgement? Is this correct? They are also telling me that they their client will not consider a settlement unless I give them income and expense information. By the way, their "client" is an llc that is owned by the law firm. Are they giving me correct info?
Does anyone know how to stretch the reward points, I remember a while back that I transferred some points from the rewards program and bought Red Lobster gift cards a little cheaper than what amex lists on their site.
I have been reading many of the posts here lately and thought maybe I can get some help with this issue.
Around 2001 I had 2 large credit card balances that went into default and were sold to collection companies. One still exists and is basically one I am sitting on and letting drop off (they increase the balance $1000 per month and will not negotiate, so I will never pay them), the other ID the one I have problems with.
At that time I hired a bankruptcy lawyer and was considering filing. The account in question called me one day and I told them "My lawyer advised me to tell you I am filing bankruptcy and to contact them from now on". After that I got no contact. I never did file bankruptcy, since I learned that in most cases I could be rid of this stuff in 7 years vs. 10 years with a bankruptcy.
Well for the last 7 years I have accepted bad credit, I have cosigners so the things I need I am able to get. I am now however going back to clean up my credit and I find that it was FULL of errors, which luckily all but one has been fixed.
This CC account has a status from 2001 that states "charged off and included in Bankruptcy chapter 7, 11 or 13" on the status. The collection company it was sold to I paid IN FULL and have a letter from them stating this with the account # showing.
I just disputed the claim that I had a bankruptcy charge off after I applied for a AMEX and one of the factors for denial was "Past bankruptcy". After 30 days the company returned a updated credit report but DID NOT remove the bankruptcy, they only added a notation to state it was sold to an outside company. They have no proof I declared BR since I never did and they still verify to the credit agencies that they BOTH discharged due to BR and sold the debt to an outside company.
I have called them before the dispute, and after the dispute, and they state I have to go through the credit reporting agencies. Where should I go from here? It is with Compass bank and was a credit card. I also have the paperwork showing paid in full. I already disputed once and these scumbags still say they validate I have a BR. I am now paying double for my mistakes, ruined credit due to bad debt and a phony BR show up every time I apply for credit.
(On a side note, two other errors I had to have corrected were old compass accounts I paid in full and they still sold to outside companies AFTER I paid them off, now apparently those companies state they will file grievances/suits with Compass after I provided proof of payment in full since there was no debt to sell).
I received a summons served by the sheriff from MRC Receivables for a credit card debt from 2002 and have been given 20 days to respond. I've been doing a lot of research but am not exactly sure how to proceed from here. My main point is SOL, but the timing is cutting it close (6 years in Massachusetts). Looks like they pounced as soon after I moved to this state as they could since the statute of limitations was longer.
TransUnion shows a date to be removed of May 2009 if that matters. Equifax lists the date of last activity as N/A but has a date of first delinquency of June 2002.
I'm unsure whether I have received collections notices from this company, though the complaint contained an attached letter from 2007 showing that they had been originally sending my notices to an address I had not lived at since 2001.
Many Sallie Mae student loan borrowers have seen a drop in their credit scores in the past week. It seems there was an error when the lender was reporting...
There are many credit repair guides out there, they all use different approaches to fixing bad credit. The FlyingIFR guide is quite an aggressive method. I also read some guides from Credit Info Center and other sites. At the end of the day, guides are helpful but consumers need to read as much as they can. Have you ever asked yourself How can I fix my bad credit? or How to repair bad credit? FlyingIFR and the many other guides on the internet will get you started.
A real estate person told me that for every 1k down it is 8.00 off of each monthly payment?