Credit Repair Done Right

How to fix a bad credit score?

What programs or companies are they out there thet will help me fix my credit score?

started off young and dumb and now my credit isn’t the best, I don’t have or have had major credit cards so im not that bad i guess. but is there anything out there that can help me fix my credit score? i want a legit company that will help me and not rip me off, I want to fix my credit score so i can be a grown up

How can I fix my credit score mistakes?

I’m 22 years old and already messed up my credit score so bad, I’m embarassed to look at it. When I was 18 I fell in with a guy who made a lot of empty promises. Long story short, i have a credit card, phone bill, and bank account that went to collections and owe a “cash advance” place over 300 bucks. Now that I’m with the man I’m going to marry and, hopefully, buy a house with. However, I don’t want my debt to ruin our dreams. Can anyone provide me with details on how I can get my credit on the right track?

is a 5.4 credit score bad?

i’m trying to fix my credit and i spoke to a paralegal who said my score is a 5.4, im just wondering if thats good or fair?

How to fix really bad credit?

My husbands ex girlfriend store our SS#’s (from a police report that we filed on her, she got a copy). She then took it apon herself to open up 16 credit cards between the two of us and the bills sent to a PO box that was in her friends name. She maxed the cards out (most of thm were only 200 and 300 bucks) and then tossed them. I have filed another police report but the credit card companys are still holding my accountable. SOOO… we have been placed with a credit consoldation company so that we can actully pay this stuff off (taking this chick to civil court….). And these accounts have been closed. There are a few other things that are on our credit from us and we are working to pay those things off as well. We have been working on this for almost a year now but our credit scores are in the low to mid 400′s ( REALLY BAD )

How can I get this fixed? Or am I on the right track? For the last year everything has been paid on time, and I think that the closed accounts are what is hurting me the most. What can I expect? And when can I expect this to get better?

Apartment or Mobile Home-PLEASE HELP! Finincial situation?

Okay here is the situation:

There is a mobile home with 5 acres, needs about $2000 in work. I would be renting the land, and the mobile home is just thrown in if we make the repairs. It will be a nice home after we put the money into it. It needs electrical work $1100 and then after electricity is on THEN we will find out if the water tank works correctly and what needs done to that.

The owner just buys propertys/lands and won’t put money towards it or fix anything since it is just the land.

Rent: $495 a month
Deposit-$0.00
Pet Deposit-$0.00
Doesnt run credit check
5 acres. 3 bed 2 bath
—

Apartment is really nice, two swimming pools, dog park close by, 1 bedroom only.
$600 a month
Deposit $199
first month is free
Dog deposit-$600 due within 90 days
Doesnt care about my credit

I have bad credit, two dogs, getting a good amount back in taxes

WHAT SHOULD I DO

About Faith and Works…?

The principle reason I left the Church was due to a lagging question in the back of my mind. I never really believed in the God I was taught as a child (I was raised Southern Baptist), but I never abandoned the belief in some entity/being having been responsible for creation.

In any case, the question was about whether Faith alone, or Faith and Works were necessary to get into Heaven. I was raised with the belief that Faith alone got us into Heaven (which I very quickly rejected).

Here was the example I came up with.

Two men who lived drastically different lives are both on their deathbeds.

One man is a C.E.O. of a weapons manufacturing company. His company was responsible for creating the weapons that killed thousands of people each year. He loved his work and was completely dedicated to the development of ever increasingly deadly weapons. Truly a despicable man of death.

The other man lived in the jungles of the Congo, and has been as close to a perfect man as can be found. He worked for free helping repair the huts of his fellow villagers. He loved everyone in his village and could always be counted on to give even the shirt off his back when it was asked of him. He was not perfect, of course, but he was as close as one can come in the mortal realm.

Now, the C.E.O. is dying. No one is at his side but a priest. The priest tells him that though he had lived a very bad life, he could be saved if he accepted Jesus into his heart and asked for forgiveness. After a sudden spell of conscious, he accepts and becomes a Christian. Later that day, he slips into a coma and dies.

The other man is dying from the wounds he received from a weapon that missed it’s mark that was manufactured by the first man’s company. There is no hospital bed or doctors to help him. More importantly, though, is that there is no priest to offer him the chance the C.E.O. had.

So, the two men have died, but only one became a Christian. He, at the last minute, found Faith.

Now, here are the possibilities-

——————————————–
1. Faith alone is the key to salvation.

The C.E.O. gets into Heaven because he gained Faith in God and the Sacrifice of Jesus.

The Other man goes to Hell because he never had Faith in God or the Sacrifice of Jesus.

———————————————
2. Faith and Works are the Key to Salvation.

The C.E.O. goes to Hell because even though he had Faith in God and Jesus’ sacrifice, he had no good works to back up his faith.

The other man goes to Hell because even though he was a very good man and had plenty of works to his credit-he had no faith in God or Jesus’ sacrifice because he never heard of either.

———————————————-
Those are the two major thoughts in Christianity. Both of which I disagree with. The reason is that not everyone has heard of God and the Sacrifice of Jesus (such as the second man).

So if Christianity never got that far past it’s are of origin-that means that many of us would be doomed to Hell because we would have never heard of it. So to with the man in the Congo. He never had the opportunity to gain salvation according to the two major systems of thought. How is this Fair and how could an All Loving God allow this?

Consider how long it took Christianity to spread to most of the world. Are you telling me that EVERYONE who never had the chance to be saved is in Hell right now?

THAT is why I left the Baptist Faith. A truly All Loving God would require deeds alone to get into Heaven, as faith is not available to everyone of his children, but deeds are.

So how is it fair that those who will never have the chance to be saved are doomed?
apeman-You didn’t answer my question, but just attacked me. I doubt you even could answer my question.
Just to clear things up-I’m referring specifically to the belief that Jesus gave his life so that our sins could be forgiven.
Samson-well put. I agree. Myself, I really don’t believe that much in Heaven or Hell, but this question has always bothered me.
Just so everyone knows-

I’m an Agnostic/Pantheist with Taoist and Buddhist Principles. So I don’t personally believe in Heaven or Hell-I just wanted this issue to make more sense to me.
Here is what I was taught as a child in Church.

Unless you specifically ask Jesus into your heart and believe that he died for your sins, you’ll go to Hell. They harped on this point…a LOT.

But never once did I hear that Deeds were in any way necessary-even though this is in fact in the Bible. They honestly thought that simply being baptized and accepting Jesus was a free ticket-and they could act any way they pleased after that-which they did.
Lover of Blue-Interesting.

The second man, however, did not judge himself. How can he judge himself worthy of a place he has never heard of?

And in regards to your response on the C.E.O., there are people out there who enjoy the suffering of others. They’re known as Sadists. Perhaps he had a grudge against these people too? Granted, it’s true that most people would do it for the sake of protecting others, but that was not the person in my example.
It’s very hard to choose out of so many answers. I’ll put it up to a vote. Thank you everyone, I understand the issue much better now.

where can i download music for free?

ok be quiet i know its bad but
iTunes says that the is an account problem and that said that me security key to my credit card is wrong but i know its right cuse i had just bought some thing from iTunes early er that day (and a few days b4) and it said it was right…
and now my iTunes was deleated along with all my stuff on my hard drive when i got my laptop repaired i dint know that it was gone so i tryed to charge my iPod the other day and what do ya know it synced to a blank cpu so all my music is gone… and there is no way im gonna buy back 23G worth of music from iTunes (again…) so plz help me…

Ibarra Motors Lufkin Tx How Can They Be So Heartless?

They are all talk about how they care, but in the end they are liars, extremely heartless`and all about the money. It’s a small time co owned by 2 brothers.

We are a family of 7 with 3 adults and 4 children. My mom is disabled and on a fixed income. My 17 year old sis is a single mom of 2, and works full time, and has had her job for over a year now. My older brother just found a job after a long search, that pays pretty good, and it’s not something he wants nor can we afford for him to lose. We are on the verge of losing our home, and this job was a godsend.

We live out in the middle of nowhere and they both commute in opposite directions. Sis works 22 miles from home, and my brother works 55 miles away. His job is swing shift from 2 p.m. to 11 p.m.

We had 2 working vehicles, and within the first week of my brothers new job, both cars broke down and are beyond repair, but we dumped some money into them to try. They were older, well maintained, but lots of miles on them, and it was just there time, and apparently…just our luck.

Now sis is doing what she can to get back and forth to keep her job. It’s a bit easier on her since she works days, but still touch and go. She’s a real fighter, and I just pray she finds someone nice enough to share gas and continue to commute, rather then give a ride for a few days, etc…

On the other hand, my brother has been hitchhiking to work for 4 weeks now. Not too bad going to work, though he has been late a few times. Getting home is an entirely different story. 99.9% of all people that work at his plant, go home in the opposite direction of him. It’s late at night, with no traffic on lonely rural roads, so hitchhiking isn’t really an option. He’s gotten a few rides, from guys at work, for free, and I can’t thank them enough. One night he attempted to hitch, and ended up walking to the point of passing out. Fortunately a man found him on the side of the road and got him home safely…this being 8 hours after his shift ended…he ate, packed his lunch and headed back to work. Yes, he had a few guys (brothers) that helped him with a place to stay for a few days, which was awesome, but they quit working for the plant.

Last week while on his way to work, a really nice guy picked him up, and low and behold, he and his brother own a car dealership…a buy here pay here dealership, and he was so understanding of our situation, and very impressed at how tenacious my brother was about keeping his job. No one really understands how important this job is to him/us, and those who find out about the situation either think my brother is nuts, or have a lot of respect for him. This salesman/owner was def on the respectful side. He told my brother that the very car he was driving could be had for $200 down and $300 per month. A 91 Honda Accord (which are like the energizer bunny). He also said there were a variety of cars to choose from, and that he would get us in one of them as soon as he got his next check. Man was that a blessing! We were so happy cause payday was only 2 days away, and all other buy here pay here lots require a lot more down. I’m sure you’re wondering…we don’t have the credit nor the means to make the serious payments that a new car lot would require.

Anyway…

My brother called and spoke to the other brother, Tony about more cars that were on the lot, and mentioned the ride with Richard and the conversation they had. Tony wasn’t quite on the same page as his brother, but they came to an agreement on the Accord for $250 down. The next day when my brother called, Tony told him that Richard had decided to keep that car for him self, unless we wanted to come up with the full sale price. Well okay, that was out of the question, so what else was there to choose from. Amazingly, there was only ONE car that was actually marked at $200 down. Not much choice but to go for that one, since all the rest were $800 and up. My brother was going to have to hitchhike 22 miles (the opposite direction of work) into the dealership the next morning, and still try to make it to work on time, with or without a car, so he made sure that all things were out in the open, and that they were very well aware of the time constraints, and the possibility of his being late for work, which could cost him his job. They assured him they would move the car around back and promised that the paperwork would take less then 10 mins, since they already had the contract virtually filled out.

This morning, we were so excited! He took off to go get his new car…no more freezing at night, wondering when or if he would get home…walking and walking…little or no sleep, and having to perform a very strenuous job on top of that.

So, off he goes! Then he calls me…

Not more then 2 hours after my brother had gotten off the phone with them yesterday, someone came in and gave them $800 cash for our promised car…well how could they ref
Sorry, some of my “novel” didn’t show up…there was a question…How do people like that sleep at night?

Have renter from hell and also a felon who lies.?

I have issued a 20 day eviction but the renters are still there. He has 2 felony charges against him for level 4 Domestic Abuse, denies both. Is sueing me in Small Claims for $5,000. Manufactured the reasons as follows -Misrepresenting rental property,- failure to repair- and harrassment. This yahoo has changed the locks w/o giveing me a key. Has never sent info. to me regarding the complaints. Rent has been paid up until last month and now this month…Today 3/3/09.
The District Court in Skagit Co, WA.state has 7 official forms to file, w/ a charge of $150 to do this. I depend on this rent for my livelihood, and w/ 2 months w/o rent and a bogus small claims charge, I am terrifyed.
This guy used as an excuse for no credit history when he applied to rent the home that he had been out of the country for 8yrs.. Found out he was in and out of prison on various drug violations during that time! Since he is a felon, he is not entitled to free legal representation and has hired a lawyer and thinks I am going to be the wallet for this attorney.
Please help me w/ ideas as to getting rid of this bad guy other than me paying an attorney to do the job or finding sumi wrestlers. (My 1st choice!)
Help

Is Credit Repair really effective and how much would you pay for it if it is?

A good credit report is very important for living a comfortable life of financial freedom but it’s difficult to recover fom a bad credit report once you’ve made a few mistakes. Credit repair companies can be helpful, especially if you allow some time for your file to be worked on before you need it completely done.

Is cleaning up your credit, consist of filing banckrupcty. Im thinking of repairing my credit?

so Im wondering is filing banckrupcty the same as getting rid of bad credit or I would have to take care of those old depts??
debts* error

Is it possible for your credit to be so bad its beyond repair?

I filed for bankruptcy about 3 years ago, and then hit a major financial crisis when I lost my job shortly thereafter. Afterward, I had an automobile repossession, delinquent medical bills, in addition to other minor debts. I have children and would like to purchase my own home in the next five years. Is this possible? How can I even begin to start getting my credit back on track?

Does it hurt your credit to negotiate collection accounts?

I am trying to repair my credit myself and was told that if I negotiate with my creditors to settle for a lower payoff that it would make my credit worse? My debts are 2-3 years old, so what happens to my credit if I pay them or if I file bankruptcy?

I heard that credit counseling is bad does anyone know?

I heard that if you go to places like care one to repair your credit that it looks worse then if you file bankruptcy? Does anyone know? i choosing to pay off my stuff myself but I almost went through care one until someone told me this… Help me out please

My credit card info was stolen by a virus – What do I need to do?

One night my boyfriend used my old laptop to surf a porn web site. Not long afterwards, I started getting a weird popup for antivirus software that wouldn’t go away. My computer crashed after I tried to delete some infected files.

Two days later, I checked my credit card statement and found a charge $30 from a porn web site! I’m pretty sure it was the virus and not him – I never gave him access to any of my credit cards.

I contacted Transunion and put a fraud alert on my card – what else do I need to do? Help!!!

I can’t access my credit report thru Equifax!?

I’ve been trying to access my credit report through Equifax, but each time I try online it won’t let me, so I tried mailing in which didn’t work either. A friend of mine who works as a broker managed to pull a copy of the 3 combined which had a load of misinformation on it which she suspects is the reason they won’t allow me access (different birthday and address). I even tried the FTC but they haven’t done anything and told me to place a fraud alert, which I did with Transunion, and they would then have to send me reports which hasn’t happened. That was over a month ago.How can I get my credit report from Equifax when I have no access to it or even a contact number for them that isn’t automated?

Credit report being used for potential employment?

I have worked for the same company for over 12 years and I may be seeking new employment soon due to possible closure of the business. I have concerns about potential employers running my credit report. I had my identity stolen a few years ago and I am still working on removing negative items from my credit report. I have already placed fraud alerts with Equifax, Transunion, and Experian and disputed multiple items on my report, but some negative items on my report still remain.

I know the purpose of running the report is determine reliability and if a potential employee is trustworthy. I do not want my credit report that contains inaccurate information to prevent me from getting a job. Should I advise the potential employer about my situation prior to running the report? Does anyone have any suggestions about how I should handle this situation?

Which credit reporting agency is ‘the best’?

I had a “fraud alert” placed on my credit report with all three reporting agencies, a good while back. They state I can get a free credit report (in addition to previous reports, apparently…simply because of the fraud alert)…within 90 days of receiving a letter I got from each of the reporting agencies. Which agency is ‘the best’ of all three; Equifax, Experian or TransUnion? Thanks. Equifax certainly seems to be the most popular, with Experian coming second. Is there a reason for that in general, or just the whole “well-known company” thing?

My parents could be potential identity theft victims: What else can we do now?

One week ago, we lost a USB flash drive at a public library which contained personal information about my parents. They could become targets of identity thieves.

We know for sure that they DO have:
-Name
-Address
-Home telephone number
-Date of birth
-City of birth
-Social Security number(number, not the physical card)
This goes for both my mom and my dad.

What they DO NOT have:
-Physical credit card
-Credit card number
-Driver’s Liscence
So basically, all the information they have about us in on paper; they have no physical forms of ID from us.

So far, we HAVE:
-Contacted the police(they wouldn’t let us file a report since the crime hadn’t actually HAPPENED yet)
-Contacted Equifax(who in turn, contacts Experian and TransUnion), and set up fraud alerts on our credit files
-Withdrew all our money from the bank

What else should we do? Should we cancel our credit cards even if they don’t have our credit card number? Are they able to obtain a copy of our driver’s liscence even if they don’t have a physical copy of the old one? What should we do if they try to redirect our mail with a change of address?

Thank you all for your responses. If you have questions about the situation, feel free to ask.

Is there a way to prevent credit card companies from increasing your limit?

I have several credit cards is any they keep raising my limits w/o my knowledge. I’m afraid now that I have too much credit in my name. Is there a way to fix this? Perhaps ask the company to lower my limit without this effecting my credit negatively. I just don’t want the option to ever have that much debt for whatever reason.

What are real ways someone with horrible credit can invest in the real estate market?

I hear all this talk about not using your own $$ or credit to buy homes, fix them up and sell them, my credit is CRAp literally, but if theres away around that I would love a piece of this real estate wealth pie. My husband is a contractor and he knows how to fix places up, it purchasing power we lack…any “secrets” …PS I heard something about using the SBA and business credit, is that an option?

Does a student loan and a bank loan affect your credit the same way?

I have one credit card ( revolving credit ) and I have one student loan ( fixed monthly payments ). I want to keep one revolving account and one fixed account. Would a bank loan that pays off the student loan look better as a fixed loan? I guess my question is: Do they both count as fixed loans or is the bank loan a more “authentic” fixed loan?

How can you trade your vehicle if you have bad credit, what options, if any, do I have?

How can you trade your vehicle if you have bad credit, what options, if any, do I have?
Right now I’m upside down on a ’04 cavalier paying (way to high) monthly payments to get caught up. What can I do with really bad credit by the way, to either fix or trade my car to get rid of my $$ problem? Any advise will be appreciated

Whats the fastest way i can fix my credit on a budget?

I have bad credit and now I want to fix it. I am clueless and need your guys help…thank you

credit score boost?

what’s the best way to remove items from a credit report besides the conventional methods of using credit repair companies? there’s a bunch of crap on my report that’s keeping me down. i’m open for anything, but it has to work. i’ve tried writing letters, but that doesn’t work. has anyone used anything out there to help your credit score when it really sucked? thanks

credit card debt, please help?

I have over 20,000$ in credit card debt and I had it since 2003. I have never made any payments on them since 2003. The creditors increased my interest to 25-30% after I stopped paying and started debt collecting activites by sending me letters and making phone calls for few years. I did not pay any money even after that. Then they cancelled the cards and send them to collection agencies.
The agencies and attornies sent me letters, called me almost every day for few more years. Then they stopped for the last 3-4 years. I hardly get any letters from them and I never bothered to pay the debt even to this day.

I have used my debit card or cash for all the purchases for the last seven years.

I know I have screwed up big time. I am 31 years old now and I can not get a loan on a new car and forget about getting a loan for the house. Now, I am fed up and thinking about re-paying the debt. My question is, what is the best way to do it? counselling/settellment or any other way?

I have heard somewhere that most of the debt would be forgotten after 7 years. Is that true? Its been seven years now and I do not know what my credit report says now. I will have to get one to see what it actually says. I have never filed for bankruptcy.I guess my question is “Will my credit report show the debt cleared as charge off or bad account and be eliminated from the report” as it is past 7 years now?

Can you guys tell me what is the best option for me start building/repairing my credit? I tried buy a car and they laughed at my credit score and report and said they will give me the car for 24% interest rate.

I know I have screwed up, but is there a way for me to get a car with lower interset rate, while I finally start to do something about my credit situation? Please provide practical answers as I am alreay in lot of stress but I, finally want to get back on track with my life.

Thank you in advance.

Credit Report?

I have alot of negative items on my credit report.. what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn’t make a payment.. will they remove it? im 21 yrs old and need to repair my credit.

Why is my credit score so much lower than I thought? What can I do to raise it?

Eight years ago I had financial trouble abd ended up defaulting on 3 credit cards. Awful, I know. Last year marked the 7th year and I knew that those old debts should have fallen off my credit report.
7 months ago I applied for and received another credit card I thought would help rebuild my credit – I was only given a 300 credit limit, and I have been using it, and paying on time and in full every month. I have no other debt other than a student loan which I have paid on time each month for the past 24 months. I have not applied for any credit cards, or any type of credit whatsoever other than the one card above until last week. I applied for a Walmart card. I was declined with a letter of explanation stating my credit score was only 406. Kill me. What is the best way to repair that score? I knew I wouldn’t have a high credit score, but I thought I would be in the 500′s – What can I do? .

I just recenlty applied for a car loan and was denied. Apparently my credit report has several charge offs.?

I need step by step instruction on what to do to resolve this and hopefully get it removed from my credit. These charge offs have been filed recently like in the last few months. Is it too late to get it taken off? Do i need to do a debt validation first even if i know these are my debts? How can I repair my credit from this? Many of the charge offs have been sold to a collection agency what do i do about the agencies? OR do i just deal with the orginal lenders only? HELP I am looking for the best advice to get me out of this situation as quickly as possible. Also if you can include a sample letter to write in regards to getting the charge off removed or in good standing on my credit report that will be most appreciative.

My friend takes credit for things that I do?

My buddy and I are really good friends, infact we’re such good friends that we consider ourselves to be brothers. The issue I’m having in our friendship is that he always inserts a “we” in activities where it should really be a “you” referencing me. I don’t mean to say that I have a problem with his use of grammar, I just don’t appreciate him including himself in matters that I do single-handedly while he either sits there and watches, or offers assistance in a way that does not even come close to equaling the effort I put in. I feel like confronting him with the matter would damage our friendship because I beleive he truly feels like what he’s doing is really assisting me and he doesn’t see anything wrong with it. He’s a very sensitive person, and I would really hate to ruin anything between us despite how much this irritates me. I’m not sure what to do.

Here’s a real-life example:

My friend, whom I’ll call Jack gets ahold of two broken computers from one of his other friends. I am very handy with fixing computers and got them knowing I am always looking for a tech project work on. Now, don’t get me wrong, this was very kind of him to do and I appreciate it.

This is his proposal to me, “We can try to fix both of them together. If we manage to repair them both then we each get 1, but if we only fix 1 you can have it.”

I replied, “Since you acquired them, feel free to take first-dibs on the one you’d like to try to fix, and I’ll take the other one.” Since WE are BOTH going to try to fix them.

Which he followed up with this, “I doubt I would be able to afford the parts because of lack of money at the moment, so we’ll do it how I mentioned earlier.”

So here’s the way I interpret it: “I’m going to bring over two computers, you are going to pay for all of the parts, and you are going to fix them because I have no computer skills as well as any electrical tools to work on a computer. Then, if you fix it, I’m just going to take it without pitching in for any of the parts while I sat there drinking soda not lifting a finger.”

Does that sound fair to you? Because to me it doesn’t, and then he’s got the nerve to put a WE in there as if he’s gonna help me. It just irritates me…

i really need help,my pc is about to crash,i can’t afford to get it fixed,i don’t have a credit card?

i really need hlp on what site that i can go to that offers free pc tuneups and repairs,if there is any one out there that can help me i would very much opprecaite it and god bless you all.

xbox 360 red rings help?

okay so a few months back i got the red rings on my xbox for a second time, but like last time i wait way too long to fix it. Last time they fixed it for free, even thought i do not have a warranty, but this time…they want me to pay almost 150 dollars to get it repaired cause all of a sudden i need this warranty, i was told by them last time that red rings are repaired for free, so either they are ripping me off, or this warranty is a big deal for them. so i thought about it, and explained to my parents and they suggest i just buy a whole new system, so what do you think i should do, just cough up that 150 dollars on a credit card, or just go out and buy a new xbox at its cheapest retail price, cause ill still use the same hard-drive from my last system for my memory files
already have a ps3
just want my xbox fixed too

Should I fix up my ’95 Bronco or get a used car?

Ok, so I have a 1995 Ford Bronco, with the big V8 and the Eddie Bower edition extras. I really love this truck, but the tranny is pretty much shot and it could use a new suspension and two front tires. It has about 200,000 miles on it, but is in mostly good shape. I have been quotes between 1500 and 2500 for the tranny. Between 700 and 1000 for the suspension. And the two front tires will be about 150 each.
I have about 3200 freed up that I can use as a down payment or to repair the car. My credit score is low so I have not been able to get a loan for a new car, even with a co-signer.
My other option would be to get something used, in the 5000 range.
Either way, I am gambling that after I spend money, something will go wrong with it. Not sure which is the safer choice.
Thanks

*Posted for a friend.

Walmart won’t let me return or exchange defective vacuum cleaner?

I got a $80 vacuum cleaner at Walmart ten days ago on my debit card. I held onto the receipt for five days, then trashed it because it seemed to be working fine. Then, today, something inside the machine made this loud explosive sound, and it wouldn’t turn on after that.

I brought it back to the store and asked if I could exchange it. They said I could get one of the exact same model, but when I looked for them, there were no others on the shelf. I asked if I could get store credit, and the manager said no– that I just had to eat the cost of the defective machine. This COMPLETELY contradicts the store’s return policy, but he said that as the manager, he has final say.

I called the corporate office and they basically agreed with me that the manager was acting against store policy, but that he’s allowed to be a total **** because he’s the store manager. Well, now I don’t have a way to clean my carpets and I’m stuck with a nonfunctional, $80 P.O.S. What can I do?

I already called the manufacturer, and they said I could take it to the authorized repair shop 3 hours away to get it fixed for free under the warranty. That wouldn’t be worth the gas cost. Help!

What are my rights regarding my credit report?

There is a debt on my credit report that I’ve been trying to get removed for years. I’ve gone through the reporting agency dispute process but nothing was ever fixed or explained. I’ve asked for information about what the debt is for from the bank and, later, the collection agency and I never received a response. Now I’m just paying it off to get rid of it but I believe it is an error and I have the paperwork to prove it.

The bank never invoiced me and never contacted me regarding it (they sent statements about another account to me so they had my contact information).

Am I stuck with just paying them off? Do I have any actions I can take since I believe there are clearly errors made here? I didn’t take it to court since it is around $5000 which I could easily incur with an attorney. What can a person do when they are basically being bullied into handing over money with no proof of what the money is for?
Update: I believe this debt is for some merchandise I mail ordered. I have the packing lists that show I do not owe any money because I paid for it at the time I ordered it. I can’t verify this though because they have never provided me with an invoice. They never contacted me regarding this debt (it just appeared on my credit report) and I did send letters to them and the collection agency disputing and requesting specific information. I also disputed it with the credit agency. This has been going on for about 4 years now which is why I gave up and am paying them.

Does this mean I will have a pay off letter to get the item removed from my credit report?

How do dispute credit report without report?

I’m 21 years old, and I’m unable to get any kind of loan, credit card, or anything that requires a credit history because companies always get errors when I apply. The reason behind this is that Experian and Equifax both have my the last 4 digits of my social number wrong. This means that I can’t get a report to dispute it because I need my social to confirm my identity, however I can’t do this because they have the wrong number saved in their systems. How do I fix this with the two credit bureaus without getting a credit report? Is there a number that I can call that will take me to a human rather than a machine?

Also, trans union has my correct social security number, however when I try to get a report I get an error. It refuses to say why i got the error but I’m assuming it has something to do with them being unable to confirm anything with the other two bureaus.

If you are denied credit because of an error in your report, what do you do once it’s fixed?

Obviously, I can just re-apply for credit with the same company, but that would result in another “hard inquiry” and lower my score. Is there some way to get the bank to check your corrected report without damaging your score? If so, how do you go about it?

TransUnion error – dispute without permission hurting credit report?

Previous bankruptcy. I have student loans with Wells Fargo EFS. I disputed an item with TransUnion for another company. I sent in a Schedule F that verified this information. However, TransUnion disputed Wells Fargo as well simply because it was on the schedule F. (Yes, I am very particular about including the account number, circling it, everything). Because TransUnion did a dispute without my knowledge or permission to Wells Fargo “by accident”, I took a hit on my credit report and scores because now all those accounts went from accounts in good standing to “included in bankruptcy”. I called TransUnion (I know, big mistake) and they basically denied any wrongdoing on their part, read from a script, and I could barely understand either the rep or his supervisor. My question is, am I screwed because of TransUnion or should I try and work with Wells Fargo to have TransUnion’s error fixed? Thanks in advance.

I recently contacted a financial inc to get a copy of my satisfactory (paid in full) statement in order to fix?

a few errors on my credit report. My plan was to send all of my satisfactory paid in full letters. I checked my credit report and i see the financial inc account updated my “Date Reported” to the date i called for the statement. Is this legal? Will this add years to the date this account was suppose to be erased from my credit report?

Does anyone have a phone number for experian that you can actually talk to a human being??

THANK YOU YAHWEH that website worked I finally talked to someone!

what is phone number to SPEAK TO A REAL PERSON AT EXPERIAN CREDIT REPORT?

my spelling is correct experian is the name of a credit bureau
the number given 760-838-2093 is a disconnected number

Experian Contact Number?

Around the first week of May I tried going to annualcreditreport.com to get my Experian CR, but after clicking the submit button I was greeted with an error stating that they could not verify my identity with the information provided. OK, no biggie I thought, so I tried calling the 1-800 number you use to get your free reports. I opted to get all 3 reports while I was on the phone. IN 9 days I had both my EQ and TU reports in the mail. On day ten I get a letter from Experian stating that I had already gotten my free report for the year, and that I was not eligible to get another one at this time!!

Ok, so now I go to the Experian website and try and BUY my credit report for $10.00. I put in all of my information and hit the enter button, and I’m once again greeted with the error message that my indentity could not be verified with the provided information.

I tried calling the number on last years report, but the phone prompts insist that I enter a current(as of 90 days) credit report number(which I cannot get!!) in order to proceed with the call.

This is soo frustrating as I cannot get my free report, nor can I buy my report online. I need to speak to someone at Experian so as to get this cleared up, but the phone number I’m calling is asking for a report number that I dont have, and cannot get!

I sent a letter explaining my situation to the address on last years credit report, and it has been well over 30 days now with no reply.

If anyone has an alternate phone number that I can use to call and talk with a live human being at Experian, it would be a tremendous help!
Please leave a source for all numbers, especially fax numbers. Not about to send my personal information to an unverified fax number. Thanks!

Phone numbers for Equifax and Experian?

I have been trying to contact Equifax through 800-685-1111 and Experian through 888-397-3742.

I cannot get past the recorded messages. There are wrong addresses on my credit reports and I need it fixed ASAP.

Does anyone a different phone number I can reach a real person?
I have already gone onto to their websites. But it is just horrible! Doesn’t anyone have a human working the phone anymore?

How can I speak to an actual person on the phone @ Experian (credit bureau).?

I have been calling the customer service number, but I can never get through to speak to an actual person…I would like to dispute something quickly on my credit…can someone help me with any information to expedite the removal of something off your credit ASAP.

How To Enable CreditCard Reader On Linea Pro?

how can i enable the credit card reader (magnetic strip reader) on Xcode for my application?

the only time it does read is if i go into the line pros demo app, scan my card; than the credit card reader will work on my app.

how can i fix this?

Is the National Lottery fixed??

Have wondered from day one, as I recall Camelot saying the chances of a roll-over was less likely than anyone winning, yet there are constantly rollovers, especially coming up to Christmas. Obviously more tickets are bought if jackpot is higher than usual. Also wonder why the actual draw is not made immediately after the ticket machines are closed at 7.30pm. My own thoughts on this are that the balls could have a magnetic card inside which could be activated, similar to the magnetic strip on a credit card, to magnetise the ball which could be attracted to the tube which collects the winning numbers. Bear in mind your credit card is electronically activated when you call the card company.I think the time between the ticket machines closing and the draw being made is used by Camelot to collate all ticket sales and orchestrate the winning numbers to their advantage. Why not simply have 7 memers of the audience pick the balls out of a bag at 7.35pm? Do you know any big winners personally?

what is exploiting the elderly?

My husband borrowed $68,000 dollars from my parents stating they were his last resort to obtain money he neeeded to pay the property taxes on our home. He sent them a thank you card stating he would pay them back within a year, $5000 a month or his next commission check. He has not paid them, states he has no money, but enough to spend $5000 in a strip club in one night on credit card. My parents are on a fixed income and trusted him. Is this exploiting the elderly? how can they get the money back?
Why is this hard to believe? Our home was purchased at $4ML in 2004. Look it up, 7 Pelican Isle , Fort Lauderdale, FL 33301. The bank has foreclosed on the property and I’m proceeding with divorce. This is a man whom makes $800K + a year, a wife child beater and cheater. He had my car reposessed, left my daughter and I homeless, collecting food stamps, on medicaid, having to sell all my jewlery to retain a lawyer, he has just withdrawn from divorce case due to unpaid lawyer fees.

Cliche or for real: guys only want one thing?

My husband moved out two years ago after I found he’d maxed out his credit cards and started in on mine at a strip club known for prostitution (to the tune of $55,000 in 3-4 months). We’re divorcing now since he doesn’t want to bother to try to fix “us”.

Several of my male friends have since been hitting on me — politely, but making it quite clear that they find me attractive and they would love to get in the sack with me. I’m not taking anyone up on it, but heaing this is kinda nice to my bruised ego — but now I wonder if it really is true that this is all guys want. I don’t want to be just used for sex, and I don’t want to use sex to get companionship and affection (or, like the women my estranged spouse visits, for money). Please reassure me there’s more to (at least some!) men than this!
Don’t get me wrong: sex is good! I just don’t want it to be empty/superficial, or use or be used.

dysfunctional mom or am i?

i am with a 46 year old gal who has 3 kids(17,15,13) none of whom has any chores or responsibilities around the house(unless they want something-then they have to do something about 10 mins usually) i have painted the outside of her 3,300 sqft home and am in the process of redueing the whole inside. her kids do nothing to help clean just leave there messes where ever they choose and she says nothing unless i bring it up. the 17 yr old comes in at all hrs of the nite and has since he was 16,wont do one thing around here and thinks hes running the house,and shows up to school when he gets up on at least 25 occasions, the 15 yr old is on probation for truancy,has been caught shoplifting,has vandalized a park,stole her moms car,smoked pot and cigs,and breaks into our room to steal,and shes drank. the 13 yr old moved in w/ her dad but she was a liar,thief and trouble maker and said horrible things to her dad behind her moms back. the 17 yr old male has a 10,000 dollar credit card w/ his mom(hes in 11th grade) and she treats him like a grown man and he acts about 12 most the time.my problem is im fixing up her house to sell and her kids cant even put there dirty dishes away or any thing(shes a bit of a slob herself and lazy) they also have a dog who craps on the floor and the kids wont pick it up(but its there dog). the mom cooks about 2 or 3 times a week for me,i do my own laundry,most my own meals and try to keep house clean and fix stuff when it breaks(all outside of stripping wallpaper,paint off woodwork to stain,put new wood trim in,and doors from scratch,and paint from cieling to floor) she has bought me a 500.00 boat and a 16 yr old van and tools (which are tools to do work in her house) well we went camping yesterday and the tent she bought(good will) didnt work so i said lets go home(i didnt want to screw around fixing a tent when im supposed to be fishing for the first time since i met her) well she told me im un appreciative. she didnt even plan a meal for 1 nites camping and couldnt remember pillows,let alone try to set the tent up to see if it worked(but she had time to clean garage today for her boys parking space) they have more of a man/woman relationship than mother/son? is this woman dysfunctional? and am i being out of line for wanting the house to be clean being im fixing it up to sell for her? thanks for any responses