STEVEN

————

Steven,
 
This is a difficult question to answer without more information, but my personal opinion is that if you owe the money and they are your accounts then you should pay the debt you owe, but you will want to know that by paying those items off you will renew the “date of last activity” and the score will drop.  
 
Credit repair is not the removal of debt, but the removal of inaccurate and unverifiable items from a credit report.  If you are in a state of financial hardship and can’t afford your bills then repairing and improving your credit picture should come after you get back on track financially.
 
Brian C. Aber
877-877-4834 x704

1. Just settle debt
2. The financial well being we used to have, and minimize the amount of debt we incur from here on out.
3. buy a home
4. refinance mortgage
5. Purchase a home
6. Purchase a home, we have medical bills with liens from long ago. over $6K worth. They are preventing me from getting a Habitat for Humanity Home.
7. purchase business
8. Purchase a home
9. Would like to start looking for a new car and eventually a house as well as being able to apply for lines of credit to have just in case a problem arises where I need emergency funds…ex: car repairs
10. get a home
11. Get a promotion
12. purchase home
13. mortgage my lease to purchase home with increased score.
14. Get a credit card to pay off the ATV loan that my exhusband defaulted on.  Then sell the ATV and pay towards the loan.
15. purchase new vehicle and home
16. Help others
17. Purchase a home
18. self esteem
19. in forclosure, need to save my home if possible. Am now sueing in state and federal court for fraud, etc.
20. buy a home
21. large purchases
22. Buying a home, having credit cards.
23. purchase a car and get some credit cards
24. purchase a home and a car
25. BUY HOME
26. I would want to accomplish buying a new house.
27. New home purchase…will have to short sale home (included in BK) soon, one year after discharge.
28. raise my credit score so that we can qualify for our new mortgage
29. Apply for a mortgage
30. Buy a house

And how about you?  What would you most like to accomplish after rasing your credit sccore?

Register for our FREE CREDIT REPAIR SEMINAR and…

Obtain a FREE CONSULTATION with Brian Aber of HTDI Financial (optional at your request).

My friend Brian Aber with HTDI Financial has extended the free credit repair offer until the end of July.  If you are looking to have your credit report restored FREE of charge, then check this post to see if you meet the criteria and send Brian an email or give him a call.

Did I mention it was FREE?

Check it out and then once your report is cleared and your score is in the 700’s, maybe you’ll be kind enough to post a testimonial for Brian.

These are my own words and this post is not an advertisement for HTDI.  This is a Broken Credit Blog contest to see who is the best credit repair company period.

Thanks and let the contest and FREE credit repair continue till the end of July!

Paul Jerome
Broken Credit Blog
www.BrokenCredit.com

Chris Rocks, Regional Director
National Credit Federation
 
Direct: 847.941.0654

I really really really need your help on this one.  Its been a long road restoring my credit and I wrote to you on September 28, 2008 regarding my split credit file.  I thought I had most of it straightend out and tonight when I pulled my credit report I had the following message:  “Transunion Credit Score and Analyis- We’re sorry. The person named on this credit file is reported as deceased, so we are unable to calculate a credit score.” 

I am a little confused and scared as I was just on the phone with Transunion yesterday!  Should I call Transunion?  or just hire a lawyer and sue them? (just joking)  Please let me know if you have any advice

Thanks again for your faithfulness

Amanda

—————–

Hi Amanda,

If the social security number was entered correctly then it might have accidentally been entered as deceased by one of your creditors.  I’d call Trans Union to tell them you’re alive and ask which furnisher (name and address) has reported the erroneous death. 

If you find that it was entered into the Social Security Administration’s Death Master File (DMF) then it would be a much bigger issue.  Approximately 1,100 people per month are accidentally ‘killed’ by having their number falsely entered into the database.  This would soon result in cancellation of credit cards, health insurance, IRS refusal to accept tax returns, and on and on.

No worries.  If it is a bigger issue then the CRA is still liable for the error.  And that reminds me of a story.

A woman named Sandra Cortez tried to purchase a car at an auto dealership and her credit report falsely listed an ‘OFAC Alert’.  According to treas.gov/ofac, the OFAC list contains names of “terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States”.

Although it was clear she wasn’t the Sandra Cortes Quintero twenty-seven years her junior and the suspected narcotics trafficker from Cali, Columbia; nevertheless, the police were called to the dealership.

Ms. Cortez disputed the information to no avail with Trans Union several times.  Trans Union maintained that another company named Accuity provided the OFAC information and Trans Union’s position was it wasn’t liable.  A federal jury in Philly awarded Ms. Cortez $800,000 in actual and punitive damages.

Thanks for the questions and I’d bet the attorneys at Naca.net or MyFairCredit.com would be happy to help you if you aren’t soon resurrected.

Paul

Mike

83% Fix/Delete Rate within the first 45 days

Personal Information     DELETED

TWO Judgments       DELETED

Capital One Charge-Off     DELETED

Kohl’s Charge-Off     DELETED

Pinnacle Collection Account    DELETED

“Anything that can be put on your credit report can be taken off; it’s just a case by case basis.”

Personal Information         UPDATED

Two collection/charge-offs from HSBC Bank      DELETED

Two collections from RJM Acquisitions, LLC      DELETED

One collection/charge-off from Leland Scott and Assoc.     DELETED

One collection from Credit Collection Service     DELETED

One collection/charge from Accelerated Revenue, Inc.    DELETED

One collection/charge-offs from North American Credit Services   DELETED

Two collection accounts from I C Systems Collections    DELETED

One collection/charge-offs from Credit Protection Association   DELETED

One mortgage late payments from Beal Bank     DELETED

One mortgage lat payment from Household Finance    DELETED

Now, after you’ve clicked the above link, give Brian a call and see what he can do for your credit report and score.

The Broken Credit Blog is pleased that Brian and HTDI are standing guard over:

• incorrect,
• erroneous,
• false,
• incomplete,
• inaccurate
• bogus data 

Why? 

BECAUSE IT GETS DELETED! 

Schedule a Free Consultation with Brian today!

Brian C. Aber
Senior Account Executive
Contact Brian with HTDI
877-877-4834 x704
brian@htdifinancial.com