Recent content by mindfunk42

You can dispute those late payments if the dates are different across the bureaus you don’t have to remove the account. All you’re doing is having the bureau verify that the account is being reported accurately.

If you haven't heard from LVNV in over 5 years and they're still increasing the balance, that's a red flag. A debt buyer can't legally add interest or fees unless they can prove a contractual right to do so and most of the time, they can't. Stop disputing it as not mine with the credit...

What's crazy to me is that LexisNexis isn’t reporting anything like that, but a couple of sister agencies are. Now that my personal info is updated, I guess I’ll move on to freezing and disputing with the sub agencies first.

That’s an FCRA violation and you should sue for the deletion and compensation.

Honestly, it might not be the perfect approach, but here’s what I did: I threw everything I could at the debt with the highest minimum payment first. Knocking that out freed up more cash each month.

Alright, send a copy of that over to the credit bureau. Just let them know it's not a contract you signed, and ask them to take it off your credit report.

Man, I feel the same way. Why would they call it a settlement if it's still dragging down my credit report? I really need to get this thing removed.

yes it is possible. there are a few ways it can be done.

So, you’re in a similar spot here’s what you can do. First, set up a trust in your kids' names. That trust will own the company that employs you and pays your salary. Then, set up another trust in your name. It’ll own any personal assets and be gifted money or property by the company...

Sure, Capital One is definitely a solid option, though they do keep a close eye on things. For building credit, a secured card from either Capital One or Discover would be a great choice. If you use it responsibly for about six months, you’ll likely transition to an unsecured card and get your...

I'm having the same issues. I've sent letters a few times with tips I found here. I filed a complaint with the CFPB, but nothing's happened. I've been dealing with this for over a year, trying to get just two things removed.