Comments on: Credit Repair: Introduction http://blog.wesabe.com/2007/10/02/credit-repair-introduction/ The Wesabe blog Sat, 31 Jul 2010 18:27:05 +0000 hourly 1 http://wordpress.com/ By: Gina http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4176 Gina Sun, 06 Apr 2008 05:07:50 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4176 Sorry, their website is www.acescredit.com Sorry, their website is http://www.acescredit.com

]]> By: Gina http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4175 Gina Sun, 06 Apr 2008 05:07:14 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4175 I went through a credit repair/restoration company that my mortgage broker told me about, Aces Credit Solutions. I was skeptical at first but so far I'm pretty excited about them. My scores went up almost 80 points and I did just get approved for our home loan which we were originally turned down for. I know there are some shady dealers out there but I was pretty happy with the service and the results that I got with Aces Credit. Just an FYI I went through a credit repair/restoration company that my mortgage broker told me about, Aces Credit Solutions. I was skeptical at first but so far I’m pretty excited about them. My scores went up almost 80 points and I did just get approved for our home loan which we were originally turned down for. I know there are some shady dealers out there but I was pretty happy with the service and the results that I got with Aces Credit. Just an FYI

]]> By: Debbie http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4174 Debbie Wed, 03 Oct 2007 15:59:41 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4174 Hensley, Your story is such a good reminder to keep detailed notes anytime you call customer service... just yesterday I received a membership fee bill for a Delta Am Ex card I cancelled a year ago. I didn't have any record of when I called or who I spoke with, so I had to start all over (it wasn't too big of a pain, but still....) Hensley,

Your story is such a good reminder to keep detailed notes anytime you call customer service… just yesterday I received a membership fee bill for a Delta Am Ex card I cancelled a year ago. I didn’t have any record of when I called or who I spoke with, so I had to start all over (it wasn’t too big of a pain, but still….)

]]> By: Marc Hedlund http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4173 Marc Hedlund Wed, 03 Oct 2007 15:26:14 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4173 Good point, David -- I'll make looking into that number one of the posts. Good point, David — I’ll make looking into that number one of the posts.

]]> By: David Knight http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4172 David Knight Wed, 03 Oct 2007 13:56:09 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4172 I think that this is a great idea and will be very helpful to many people, but that 79% number sounds much too large to be accurate, the source linked in the wikipedia article is not available. Even if it is accurate I know from personal experience that not all those mistakes are negative. If 79% is an accurate number then surely the system needs greater oversight and reform. I think that this is a great idea and will be very helpful to many people, but that 79% number sounds much too large to be accurate, the source linked in the wikipedia article is not available. Even if it is accurate I know from personal experience that not all those mistakes are negative. If 79% is an accurate number then surely the system needs greater oversight and reform.

]]> By: Hensley http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4170 Hensley Wed, 03 Oct 2007 08:38:37 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4170 Apologies...accidentally hit send..... NCO verifies that they sent notice to Equifax and the other two credit bureaus to delete the account. The notice was sent the day before the Equifax letter was sent to me so they just crossed in the mail. This does remind me though to check and ensure that this taken care of for good. I keep a file with all credit related issues and keep notes on my correspondence. I have another story about a dispute with cingular that I won, but I can save that for another time. Hensley Apologies…accidentally hit send…..

NCO verifies that they sent notice to Equifax and the other two credit bureaus to delete the account. The notice was sent the day before the Equifax letter was sent to me so they just crossed in the mail. This does remind me though to check and ensure that this taken care of for good.

I keep a file with all credit related issues and keep notes on my correspondence.

I have another story about a dispute with cingular that I won, but I can save that for another time.

Hensley

]]> By: Hensley http://blog.wesabe.com/2007/10/02/credit-repair-introduction/#comment-4171 Hensley Wed, 03 Oct 2007 08:33:40 +0000 http://blog.wesabe.com/index.php/2007/10/02/credit-repair-introduction/#comment-4171 I successfully removed an error on my credit report. In 2003 I noticed a collection on my credit report and found out it was the cable company from my college years that claimed I hadn't paid my last bill. I graduated in 2001. Luckily, my bank at the time still sent me my canceled checks so I had record that they cashed checks dated right around graduation and a few months after. This was my proof that they had indeed received payment. I made copies of the checks and prepared a letter as advised by the collection agency. Problem is that I forgot about it and never got a response to my letter. Fast forward to March of this year after requesting an Equifax score report. The same collection is on my credit report. I call back and indicate that I had sent a letter and I filed a request for correction with Equifax. The agency, NCO, acknowledges that they received the letter and tell me the account is deleted. I right down the date and the name of the rep I spoke to. A few weeks later I get a cryptic letter from Equifax that says, "Equifax has verified that this item has been reported correctly." I'm not sure if they are saying I am right or NCO is right. I call NCO and I successfully removed an error on my credit report. In 2003 I noticed a collection on my credit report and found out it was the cable company from my college years that claimed I hadn’t paid my last bill. I graduated in 2001. Luckily, my bank at the time still sent me my canceled checks so I had record that they cashed checks dated right around graduation and a few months after. This was my proof that they had indeed received payment. I made copies of the checks and prepared a letter as advised by the collection agency. Problem is that I forgot about it and never got a response to my letter.

Fast forward to March of this year after requesting an Equifax score report. The same collection is on my credit report. I call back and indicate that I had sent a letter and I filed a request for correction with Equifax. The agency, NCO, acknowledges that they received the letter and tell me the account is deleted. I right down the date and the name of the rep I spoke to. A few weeks later I get a cryptic letter from Equifax that says, “Equifax has verified that this item has been reported correctly.” I’m not sure if they are saying I am right or NCO is right. I call NCO and

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