Credit Reports

[seductive_tee]

Time to have a look at credit reports. You may never know whats on there that's not yours. And remember, once you get it, dispute everything.....it's your credit...

Call the numbers below to get your free copy
Equifax - 800-685-1111
Experian - 888-397-3742
Transunion - 800-916-8800
Good Luck

[garcia vega]

i ordered a 3 in 1 credit report just the other day...its funny how much they can differ

[davinci]

Originally posted by seductive_tee
dispute everything.....it's your credit...EVERYTHING! you'll be suprised what comes off, even if it's yours. some say don't dispute shyt 5+ yrs old...maybe. but you will be surprised at what comes off.

[Pamalicious]

I've had so much taken off of my credit just by disputes it ain't even funny. I still have a couple of things I need to dispute but I'm 3/4 ready to go see the mortgage broker and have upped my scores over 40 points.

So yes go see what's on your credit!

[Admin]

Dispute the shyt....but I will tell you not to wait to log to buy a crib...even 6 months can matter alot according to what the housing market look like in your area.

Wiating 6 months to save $100 per mont on a mortgage can cost your like $50,000 in the total cost of the house...saying that in 6 months the house you are now looking at was $50,000 less six months ago while you were worried about a low fico score....so you now have what you deem as a good fico score, but now the loan you need is $50,000 more...so the bank wins!

Just sumthin' to think about. (based on Cali home prices)

Holla

[Pamalicious]

Originally posted by admin
Dispute the shyt....but I will tell you not to wait to log to buy a crib...even 6 months can matter alot according to what the housing market look like in your area.

Wiating 6 months to save $100 per mont on a mortgage can cost your like $50,000 in the total cost of the house...saying that in 6 months the house you are now looking at was $50,000 less six months ago while you were worried about a low fico score....so you now have what you deem as a good fico score, but now the loan you need is $50,000 more...so the bank wins!

Just sumthin' to think about. (based on Cali home prices)

Holla

You're correct ADMIN. I'm intending to spend no more than $1200 to get into a home out of pocket. I just wanted to keep the score up above XYZ for a month or so and I'm going in March. They have so many programs for someone like me - they wait on someone like me, lol I'm rocking the entire Single, Female, African American, Widow, SSI getting angle all the way!!!!

Housing prices are still pretty stable down here but it could turn on a dime. I know what I can afford and I've worked the numbers in the countless counters to see what kinda mortgage would be best for me. I'm going to someone who has gotten some people some good numbers worked out (a mortgage broker) and as soon as these last things roll off (I hate the credit bureaus if my ass was late it would be reported seemingly immediately but for them to update the shit is taking FOREVER! I have my letters though so I might jump the gun and go in anyway, lol)

I am excited but tired of sitting at the starting gate, lol

Oh I joined teamcredit.com I got all three of my reports, all three credit scores and the alert system so that I'll know if something rolls on/off/changes any inquiries made etc. I want to keep up with it because I know they run your credit twice, once to get the mortgage and once right before closing to see if you've fucked up by doing something silly like buying $3500 worth of furniture from Rooms to Go on the pay in 2006 not knowing it shows up on your credit and throws your debt/income ratio off or you pay the damn carnote late and it can make them not give you the loan.

[FoxEMomma]

So

Once you receive these reports and you want to dispute it, who do u call?

[Pamalicious]

Originally posted by FoxEMomma
So

Once you receive these reports and you want to dispute it, who do u call?

Each report will come with a number. You can go to the websites and plug in this confirmation number and dispute on line or you can call the 800 number and dispute any addresses etc. (sometimes if you get them to take off an old address any debt associated with that address will disappear as well) OR you can write them a letter and they have 30 days to give you an answer. I will go find the sample letters and post the links here.

Don't explain anything to them dispute everything as NOT MINE!, lol

[seductive_tee]

Originally posted by Pamalicious


Don't explain anything to them dispute everything as NOT MINE!, lol

There u go!.....that's what i did....but i called......spoke to a person...they gave a confirmation number...i marked my calendar 30 days in advance to call and ask for an update if i did not receive a report....

[Admin]

Originally posted by FoxEMomma
So

Once you receive these reports and you want to dispute it, who do u call?

I never call, I write letters. I have a standard letter set up for all disputes, I just plug in the stuff I need to dispute and mail it off. i also request in my letter for them to send me another report after the dispute to show that they have taken it off...this is FREE!


Holla

[FoxEMomma]

The numbers that you have posted, there is a charge for the credit reports.
Can you show me where I can get this information free?

[FoxEMomma]

Originally posted by admin


I never call, I write letters. I have a standard letter set up for all disputes, I just plug in the stuff I need to dispute and mail it off. i also request in my letter for them to send me another report after the dispute to show that they have taken it off...this is FREE!


Holla


Admin,
Can you email me a copy of this standard letter?

[Admin]

I bought a book for like $14 bucks that has all of them in there.

Just go to your local Barnes and Noble (or any book chain) and ask for books by a Black Author named: Bob Hammond..

Dude is tight! Bob ill have all of the letters you need in the book. Mine have been tweaked and formated for my personal issues, you will see were you will have to tweak yours to get the same results.


Holla

[Pamalicious]

Hey!

Can you mofo's PROVE it was me ?! You knew from JUMP I didn't have any money but you kept telling my ass "Oh Yea get the card, Oh Yea get the card" well I GOT THE CARD, NOW YOU TRY TO GET THE MONEY!!

I CAN change my number
I WILL use my caller ID
I AM NOT ever going to pay you

So - Chalk this shit up to "Don't give me no mo cards" and get this off of my credit report - I'm trying to buy an SUV!

Sincerely,


K. ISS. Myass, esq.

[Andre98]

Originally posted by Pamalicious
Hey!

Can you mofo's PROVE it was me ?! You knew from JUMP I didn't have any money but you kept telling my ass "Oh Yea get the card, Oh Yea get the card" well I GOT THE CARD, NOW YOU TRY TO GET THE MONEY!!

I CAN change my number
I WILL use my caller ID
I AM NOT ever going to pay you

So - Chalk this shit up to "Don't give me no mo cards" and get this off of my credit report - I'm trying to buy an SUV!

Sincerely,


K. ISS. Myass, esq.

Says one collection agent to another after reading this letter out loud:
"$20 say this is a black person!"
Other agent: "No deal! That's a sucker's bet!"

[Pamalicious]

Originally posted by Andre98


Says one collection agent to another after reading this letter out loud:
"$20 say this is a black person!"
Other agent: "No deal! That's a sucker's bet!"

Now you KNOWWW I was being funny among friends, lol