Comments on: Debt Planning: 20 Dont’s for Credit Repair

By: Michael Lach

Michael Lach — Wed, 21 Oct 2009 22:52:26 +0000

http://www.RemoveMyCreditInquiries.org is a site I found that is ran by a non-profit that can remove credit report inquiries for $15. They also appear to remove late comments as well.

By: mr. rogers

mr. rogers — Sun, 30 Aug 2009 05:55:38 +0000

If your credit is bad we work with you through our credit repair program until you qualify for a loan. No upfront fees. Info at:

http://www.apluscreditloans.ws

By: Tona

Tona — Wed, 17 Sep 2008 16:23:54 +0000

What should I do? I unknowingly set myself up for email statements on a rarely used card. So when bills came I never saw them. Once I got a call from BofA I quickly paid. But my credit has been dinged over 50 points. Took us under 700 and our home equity line was drastically reduces. I want this 60 day late ding deleted from my credit. BofA is very rude and don’t want to help.

By: Brian

Brian — Fri, 13 Jul 2007 17:14:02 +0000

If you want to pay with a credit card, you can get a pre-paid debit card or some cards allow you to create temporary credit card numbers with a fixed purchase amount. You can fill out their forms and use one of these numbers safely.

By: pf101

pf101 — Tue, 05 Jun 2007 16:59:57 +0000

Great tips. Credit repair is a long and nasty business so these are some great helpful hints. Thanks!

By: Clever Dude Personal Finance & Money

Clever Dude Personal Finance & Money — Mon, 04 Jun 2007 12:18:28 +0000

Carnival of Personal Finance #103: The 24 Edition…

I have to admit, I was quite disappointed in the TV show 24 this year. Jack Bauer just didn’t seem himself, so I decided to give Jack a call and find out what he did after he left the beach house. This week’s Carnival of Personal Finance wi…

By: MoneyNing

MoneyNing — Sun, 03 Jun 2007 06:04:07 +0000

I have a friend that went through a credit repair process (just identity theft) and let me tell you it is not easy.

I would take the “not pay anything over the phone” advice one step further.

“Don’t pay anything unless in person!”

By: Viet

Viet — Fri, 01 Jun 2007 15:49:11 +0000

@Misti & Elissa: What Elissa mentioned about sending payment to original creditor is exactly what I meant, thanks for clarifying for me Elissa. It’s one thing to send to the people you owe money to, it’s another to a third party that may sell and pass along your debt.

I’m surprised I left out not paying over the too, will add it in

CRRR (certified return receipt requested) is always a must for any payment to a collection agency. It’s well worth the effort and extra cost.

By: Elissa

Elissa — Wed, 30 May 2007 22:15:46 +0000

Misti: If you’re sending a check to the original creditor (i.e. Capital One, Bank of America, Chase, etc.) then that’s fine, but when you’re dealing with third party collection agencies then it’s really in your best interest NOT to give them a check with your account info on it. It’s true that you do NEED to have proof, but when it comes to collection agencies there are way to many sketchy ones out there. You should first and foremost keep the receipt of your money order purchase, that’s proof number one.
And when you send anything in the mail to a collection agency you should send it certified with a return receipt requested. That way, when you send your money order payment, you have proof that they received it because they have to sign the return receipt in order to receive the letter or package (and that receipt gets sent back to you). It sounds like a hassle, and I’ll admit it is, but it’s not as much of a hassle as dealing with the repercussions of having your bank account drained illegally by one of the skeezy collection agencies.

By: Misti

Misti — Wed, 30 May 2007 21:43:14 +0000

If you pay with a money order you really don’t have any proof of payment. You really need something that posts like a check. Maybe I’m wrong but I’ve always used checks and have had to use a clear check as proof that I paid many times.
When we started taking care our past due credit we started getting calls left and right asking for money for the same thing over and over. I would ask them to verifiy where they are calling from and they would hang up. Other times I would tell them to just send me a bill and what it’s for. I never get anything in the mail. I think the number one rule to paying for something on your credit history is to not pay over the phone! Always have proof that you paid. After the check has cleared call your bank to send you a copy of it right away. Or I guess you could use the receipt on a money order but get it from your bank so that the receipt says who the payment was sent to.