www.freecreditfixes.com

TJX shoulda had this

2008-05-07T06:48:17-06:00

Might have saved them the $40.9 million security writeoff http://www.iwantmyphonefactor.com

Young and Dumb

2008-04-24T23:02:35-06:00

Hello everyone, I’ve been kind of naive in my days. I started off 15 years ago with excellent credit and I just let people take advantage of me and that’s all she wrote. I have had bad credit for the last 10 years. Credit that I had in collection over 10 years ago that is still on my credit. It seems this stuff never comes off. I just receive a letter from a creditor that want me to open a credit card with them to pay for a old debt and I know this was not the creditor and I know the loan was with someone else as if they purchased the loan from the other creditor. What’s up with that. Someone help me.

New Non-Traditional funding source

2008-03-04T08:21:31-06:00

New Non-Traditional funding source

2008-02-22T10:13:09-06:00

Innovis: The “New” Credit Reporting Agency

2007-06-22T22:00:10-06:00

Apparently, there is a “new” Credit Reporting Agency. It differs from the “Big Three” in that it does not sell consumer credit information to lenders, insurers, and potential employers. Instead, it helps creditors compile mailing lists. For example, if you have good credit, you are likely to receive many “pre-approved” credit offers. If you have bad credit, you can count on receiving offers targeted specifically at you.

Innovis - 1.800.540.2505

For more information, see Bankrate.com’s “The credit report you don’t know about” and Credit Info Center’s Secret Credit Bureau May Be Violating Consumer’s Rights. (Take the 2nd article with a grain of salt, tho I do find it somewhat worrisome.)

Collection agency with no mailing address

2007-05-23T01:12:41-06:00

With the net being what it is, many agencies have gone “net only”. Hence I have come across an agency on my report with no mailing address. Now what ??? I don’t have anybody to address a letter to ; only to make a payment (of which I don’t even know if the debt is mine).

Outsource Group Agency

Credit and Employment

2007-05-23T00:11:39-06:00

I am returning to the workforce (hopefully) after 3 + years off as a grad student, and at the moment looking at a poor credit report due to less than $2k of debt I have let slide due to cash flow problems (all medical bills). I am in the process of clearing this up but am concerned at what a potential employer may see or determine from this . Any perspective??

“Permissible Purpose”

2007-04-24T18:22:55-06:00

Hello, you speak of permissible purpose on your site, but you do not go into detail as to exactly what it is. I would like to remove some inquiries of the same creditor that claim permissible purpose. HELP!

Thank you

Sample Letters - Quick Links

2007-02-28T14:56:45-06:00

Credit Report Request

For use when requesting your credit report from the Credit Bureaus.

Credit Report Request--Denied Credit in Past

For use when requesting your credit report from the Credit Bureaus and you have been denied credit within the past 30 days.

Letter to Opt Out of Personal Information Release

For use when requesting your personal information not be released for marketing purposes.

Request For Removal Of Outdated Entries

Start with these items first, since they are the easiest to have removed. Negative entries may only remain on your credit report for 7 years and bankruptcies for 10 years. Make sure they ARE removed, since the credit bureaus will not always do so on a timely basis. They have approximately 30 days to respond, so be on the lookout for a new copy of your Credit Report in the mail!

Submission of Dispute

Try disputing ALL negative entries. If they cannot be verified, they MUST be removed. The creditors have 30 DAYS to respond to the credit bureau’s investigation. If they do not, the item MUST be removed. If you do not hear back from the Credit Bureau, FOLLOW UP. The Credit Bureaus are usually right on time, but, just in case, keep track of when you send letters and when you receive their responses! (Note: I’ve never had to follow up. They’ve always responded back promptly.) You can combine this letter with the one above if you have both items to be disputed AND outdated entries.

Follow Up of Submission of Dispute

The creditors must respond to the credit bureau within 30 days. If you have not received an answer from the credit bureau...pursue! (Again, I’ve never had to.)

2nd Follow Up of Submission of Dispute

Send if the Credit Bureaus haven’t responded after the first follow up.

Request For Reinvestigation Of Disputed Item

Should the item you disputed NOT be removed and you KNOW it is inaccurate, request a reinvestigation and the name and address of the person who provided the verification to the credit bureau, so that you may follow up with them.

Request For Removal of Unauthorized Inquiries

Letter to the Credit Bureaus to remove unauthorized credit inquiries.

Settlement Agreement

Letter/Agreement to use when negotiating directly with a Creditor.

Statement Of Dispute To Be Included With Your Credit Report

If the negative entry IS accurate, but there were extenuating circumstances that you wish future creditors to be aware of, submit a “Statement of Dispute”. This statement will be attached to your credit report and remain as long as the negative entry does. (Note: When the negative item is finally removed, double-check that the statement has been removed as well. If not, write in and request that it be deleted.)

DOWNLOAD Sample Letters (PDF Version)

Collection of all the above letters in one file.

DOWNLOAD the Arin’s Attic: Credit Repair Correspondence Tracker

A very simple spreadsheet designed to help you track your correspondence.

DOWNLOAD the Arin’s Attic: Simple Monthly Budget

A simple monthly budget to help you stay on track and make sure that your bills are paid ON TIME!

Resources for Identity Theft - Quick Links

2007-02-28T14:52:19-06:00

Resources and Publications