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Got Bad Credit?? Need It Fixed??

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 Got Bad Credit?? Need It Fixed??
Unread 11-25-2006, 04:42 PMJoined Jan 2004 - away - #121
Shizz|M  space
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$7,044 | 12777724
Originally Posted by chaos212
.

being a bank of america employee, heres what you got to look out for with that sh*t..

when opening a secured line of credit, or credit card, they ask you to throw $99 down for about a $500 credit line. what they do with that $99 is open a savings account which they conveniently forget to mention to you. if you dont meet the requirements of the savings account (i think its some bullsh*t like keep $300 in the account or have a scheduled transfer from any personal checking account atleast $25 every month to waive the monthly maintenance fee) your savings account which was opened for the secured credit line, will now accumulate fees until its down to 0. i've seen this happen, and its bullsh*t..but they pay me pretty nicely....
Good looking out on that "FINE PRINT" analysis
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Unread 11-25-2006, 06:42 PMJoined Jan 2005 - away - #122
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Originally Posted by Shizz
Good looking out on that "FINE PRINT" analysis
no doubt..
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Unread 11-25-2006, 07:58 PMJoined Jun 2006 - away - #123
currybai  space
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I got a credit problem, i never ever had a credit card in my life but when i applied for one i got rejected. I paid for a credit report and it turns out they put my sisters and my brothers credit history and mixed it up with mines. They have horrible credit dating back to 1996 so they really messed up my score. Where can i dispute it online? I tried the phone but i have to dispute like 30 pages of history and that would take days lol. Thank you very much.
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Unread 11-27-2006, 08:04 AMJoined Jan 2006 - away - #124
kat717 5 heat pts space
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I need someone to look at my credit report and tell me what I'm doing wrong.
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Unread 11-27-2006, 08:16 PMJoined Nov 2004 - away - #125
sideshow20 10 heat pts10 space
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Originally Posted by kat717
I need someone to look at my credit report and tell me what I'm doing wrong.
man thats your personal info your sure you willin to do that?
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Unread 11-28-2006, 12:54 AMJoined Jan 2006 - away - #126
kat717 5 heat pts space
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Not really my credit report but more the break down and where I'm going wrong. Also I need help writing a dispute. Is there some type of template?
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Unread 11-28-2006, 01:00 AMJoined Jan 2004 - away - #127
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Originally Posted by kat717
Not really my credit report but more the break down and where I'm going wrong. Also I need help writing a dispute. Is there some type of template?
Yeah i put up some templates on the first page you can look on there. but i can help you out if you want.
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Unread 11-28-2006, 01:58 AMJoined Jan 2006 - away - #128
kat717 5 heat pts space
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Yeah I pm you.
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Unread 12-06-2006, 11:19 AMJoined -  - #129
Call-ET  space
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props
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Unread 12-06-2006, 11:20 AMJoined -  - #130
Call-ET  space
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i really mean it props
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Unread 12-09-2006, 09:35 PMJoined Jan 2006 - away - #131
kat717 5 heat pts space
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He Shizz what's good can I get you to look at that credit for me?

Last edited by kat717; 12-09-2006 at 09:40 PM..
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Unread 12-12-2006, 06:30 PMJoined Jan 2004 - away - #132
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Originally Posted by kat717
He Shizz what's good can I get you to look at that credit for me?
No problem hit me up on aim- eckoblaze72...
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Unread 12-31-2006, 03:42 AMJoined Feb 2005 - away - #133
Y.G. 22 heat pts22 space
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Has anybody tried to apply for government grants for debt relief?
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Unread 12-31-2006, 04:14 PMJoined Feb 2005 - away - #134
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I'm surprised no one has mentioned this yet. Your debt-to-income ratio has an impact on your credit score. If you are using 50% or more of your limit available on your credit cards this impacts your score negatively. Get it down to around 30% of your available limit and your score will improve.
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Unread 01-02-2007, 01:35 AMJoined Jan 2006 - away - #135
kat717 5 heat pts space
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Okay you mean if I have a $1000 limit I should keep it under $500?
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Unread 01-02-2007, 09:07 AMJoined Feb 2005 - away - #136
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Originally Posted by kat717
Okay you mean if I have a $1000 limit I should keep it under $500?
Yes. Any higher and it impacts negatively on your credit score.
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Unread 01-02-2007, 11:27 AMJoined Jan 2006 - away - #137
kat717 5 heat pts space
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I didn't know that good looking out!!!
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Unread 01-02-2007, 12:50 PMJoined Jan 2004 - away - #138
Kornegay  space
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good looking out
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Unread 01-17-2007, 07:25 PMJoined Apr 2004 - away - #139
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Originally Posted by Shizz
Establish AAA Credit in 30 Days

To work this plan you need at least $400 to begin. You should borrow this from your friends if necessary. Then go to a bank of your choice and deposit the $400 into a regular passbook savings account.

Wait a few days for the account to be posted and return to the bank to ask for a $400 loan - you offer the passbook as collateral. Since the bank is already holding your $400, you go to another bank open a savings account lending you another $400 and they won't even make a credit check. Then, with your borrowed $400, you go to another bank, open a savings account, return a few days later, borrow $400 from that bank using your passbook as collateral.

Then repeat the process at a third bank with your borrowed $400. Wait a few days to go to a fourth bank where you open this time a CHECKING account. Wait a few days and make a payment on each of the other three loans. A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance.

A credit investigation at this point will show you with three active bank loans (which are considered hard to get), a checking account, and a paying history for the three bank loans - with you having paid up in advance. Thus, you have AAA credit in as little as 30 days.

From here you go on to apply for loans, credit cards, and other items on credit.


did this work?

Last edited by DJWho; 01-17-2007 at 07:26 PM..
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Unread 01-21-2007, 06:56 PMJoined Jan 2006 - away - #140
kat717 5 heat pts space
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Is this for starting credit or for bad credit?
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