Got Bad Credit?? Need It Fixed??

OK the FirsT Rule i Learned is "Dispute EVERYTHING NEGEITIVE"
65% of the time the Creditors will not be able to keep up with your stuff and it will drop off in 30 days after they receive notice.. Law goverened

Here are some Pre-Written Letters
















* I DIDN't Write these but you can use them as template just fill in the correct information and/or adjust it to fit your situtation

for inquirys if i send a letter request for documentation is there a chance they will take it off even if its valid.

So my credit is hovering around 700 and last month I missed a payment on my credit card.
I !!ed up because the due date was on a Sunday but for some reason in my head I was like well its a Sunday so it won't get collected until Monday so I made the payment Monday not realizing that it would count as a late payment. So i called my credit card company (household bank). And they waived the late payment fee since I been a customer for over 2 years and have never missed a payment. Now I am wondering if there's someone I can call to make sure it doesn't show up on my record so it doesn't hurt my credit....

Or am I all set?

Edit: i called them again and told me I have nothing to worry about [pic] its not even gonna go on my credit report [pic]

Is there anything you can do if a collection agency takes the debt you owe to court and they plan to start garnishing your wages??

none of the lins working my friend.. can you repost them?

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Back in the day I was served as well for 4,500.

You can either...
A: Go and 100 percent money back guarantee lose anyway and owe them and waste your time showing up.
B. Not show up, and default/lose automatically and owe them anyway.

I just didn't show up because I KNEW that was my debt, so there was nothing to fight.

Now since you're being sued you will have to pay this one way or another as I did, unless you turn into a bum and live under a bridge to dodge 1,500 which obviously isn't the best option.


Your best bet is to get on the phone tomorrow to the people sueing you and try your hardest to set up payment arrangements with them for whatever amount you can agree on in hopes they will drop the court case.

If they refuse and proceed with the court case just don't show and you will default and THEN you can set up payment arrangements with them and start paying. Once they sue and win, they can get their money at all costs. Garnish your paycheck and for an amount that you probably wont like so it's best to just make payment arrangmenet's to keep that from happening.

If you're not employed right now and low on cash, don't worry too much about it as they won't have a means to take money from you till you get employment. Don't set up payment arrangements until you know you are able to make the payment each month.

It sucks I know, 10 years ago i had 18 bad debts that I owed. I was lucky enough to only get sued once out of those 18 times so I ended up only having to pay off 1 thing and let everything else fall off my credit report.

Some of it's already went to court. So I'm[..]uming there's nothing I can do about that, correct?

Also, like 4 years ago I signed up for a Best Buy credit card and purchased a laptop for a friend with that card because he said he would pay me back. At that time, he was the reason why I had the great paying job that I had and he had the same exact job too so I knew he would have the money to pay me back.

Long story short, I moved back to my original home state and he ended up going to prison and this card was never paid off. When he got out of prison, I was receiving non-stop calls from a collector that they finally called me one time while he was around me and I told them the story and gave him the phone and listened in while he explained to them how he would take over the debt in his name and to take it off my name and not bother me anymore about it. I never received another phone call or letter or anything from them again until earlier this year when I got a court letter saying I was being sued by them. I went to the courthouse and wrote a letter explaining the situation (because I guess that's the process you have to do if you want to dispute the case). Didn't hear another thing from it again until like 2 weeks ago saying basically that my claim has no substantial premise to their ruling and that I now owe basically twice as much as the laptop was originally worth with the interest that has accrued with it.

Is there anything I could do now about this or am I !!ed because I was stupid and trusted a piece of !! friend when I shouldn't have?

I started a debt relief program about 2 years ago and I had 3 CC that i was not able to pay. So i did the sh+tty program and i have paid all the collectors off. Now about 6 months ago i check my credit report and had bad marks. So i disputed them and now they say
Date ---------- 5/16/2012 ---------- 10/16/2012
Condition:-----------Derogatory---------- Paid
Balance:------------$8,034 ------------ $0 (-$8,034)
Type: ---------- Credit Card ---------- Credit Card
Pay Status:---------Collection/Chargeoff---------- Current
Past Due: ----------$8,034 ------------ $0


AND AT THE BOTTOM SAYS

Remarks: (BEFOR)Charged off as bad debt Canceled by credit grantor
(NOW IT SAYS)Settled - less than full
balance

Any thoughts on this? Is this still bad even no it says PAID and $0 balance? And what about the Remarks? What should i do now? im stuck. my other two accounts look about the same besides one remark has "Purchased by another lender". Plz help me with your inputs

THANKS PROPS

Question, Ive had two checking accounts closed because of overdrafts fees. I am willing to pay now. Should I send a pay for deletion letter first or validate the debt first? Thx

hello i finally checked my credit report for the first time ever using anuual credit report. i have a credit score of 592. all i have open in collections on my report is a at&t account with a balance of $131. and a closed/paid account from the dfs gov of $1500. the dfs gov account was paid in full in 2008. two are the only two things in the negatives section. i have 3 accounts in the good standing section. 2 loans payed off and a car loan from ally that i have never missed a payment on. i recently applied for 4 or 5 different credit cards in one day not know that it shows up on my credit report. i was denied all five cards. i need help on helping fix my situation. i need all the help i can get. thanks!