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Domain: creditboards.com

Stories and comments across the archive that link to creditboards.com.

Comments · 8

  1. Re:Not surprised. by mythosaz · · Score: 3, Informative · on 35% of American Adults Have Debt 'In Collections'

    I don't know why anyone has more than a couple quick interactions with a debt collector.

    A flowchart for 'ya.

    http://creditboards.com/forums...

  2. Re:I'm Pretty Sure That's Illegal by Atomm · · Score: 1 · on Debt Collectors Using Facebook To Embarrass Those Who Owe

    You were played..... First, there is a statute of limitations for a debt. Second, unless you waived all rights when you went to this website, you have plenty of rights.

    If the debt is yours, settle it up, but make sure you have in writting that they will remove the debt from your credit reports and that they will provide you with a statement showing paid in full.

    If the debt is not yours, then you can do the above just to be done with it or you can fight it. If you want to fight it, then I suggest you go to the http://www.creditboards.com/forums/ and start reading up. There is ton's of information there on how to deal with this.

  3. Re:Experian won't answer its phone. by ageoffri · · Score: 5, Informative · on TransUnion to Offer Credit Freezes Nationwide
    DO NOT USE THE PHONE OR EMAIL This can't be stated enough. Check out http://www.creditboards.com/ for more then enough information to successfully fight the 3 major Credit Reporting Agencies. About 2.5 years ago I had one stupid credit card company decide that since my sister and I have the same first letter in our first names that we were the same person and they closed my account also and listed it as a charge off due to bankruptcy which my sister did file. After I figured out what they did the company was very quick to correct the mistake. I then sent letters to the 3 CRA's and two of them followed the law and removed the bankruptcy and updated my account. After repeated attempts with the third I sent a letter labeled Intent to Sue and listed the legal statues that I was prepared to sue under. Almost immediately they corrected the information.

    Send everything in writing and send it certified mail return receipt, yes it is a pain but when the time comes to the the CRA to small claims court you have everything you need.

  4. A good site for information on this sort of thing by Ph33r+th3+g(O)at · · Score: 2, Informative · on Newest Job Qualification — A Good Credit History

    . . . is CreditBoards, where credit scoring and other things related to credit and collections from the good guys' (i.e. not banks, credit reporting agencies, etc.) point of view are discussed. (I've no affiliation with the site except as a user.)

  5. Re:Internet Stalking 101 by Suidae · · Score: 1 · on IRS to Allow Tax Preparers to Sell Your Info?

    The primary drawback of the creditboards.com information is that it is splattered across hundreds of message board posts. Start with the Index and Starting Point thread and spend at least 10 hours on self-education before posting any questions. As usual, most questions have been asked and answered many times before.

    Another good resource about credit repair is GoodMortgage.com's How To Fix Credit Report Errors articles.

  6. Re:Internet Stalking 101 by Suidae · · Score: 4, Insightful · on IRS to Allow Tax Preparers to Sell Your Info?

    I am worried about someone with my same name trying to pass their credit card debt off on me

    This isn't really much of a problem if you keep an eye on your credit reports. If something shows up that isn't yours, force the credit reporting agency to verify the entry. They'll try to avoid doing this because its troublesome for them and they don't really care if the info is right or not (as long as is right enough across millions of people to be useful to businesses). Force them to actually verify with the reporting creditor. If they verify it, contact that creditor (Via mail) and force them to verify that the debit is yours. They'll try to get out of that too, and may send you improper verification. Keep after them and force them to send proper verification and proof that they are authorized by the original creditor to collect the debit. If the debit is not yours, at this point you win.

    Details about these processes and the laws that make them work can be found on the creditboards.com forums. In particular read about "Debit Verification" and the "The One-Two Punch". These are extremely effective techniques for getting inaccurate items off your credit record (or getting rid of reports from debit collectors who are not properly authorized to collect valid debits).

  7. Re:Completely. by Elote · · Score: 1 · on Credit card signatures: Useless?
    "I always make sure to be a PITA when they ask for my ID when I pay w/a CC.

    Asking for ID before completing purchases with a signed card is _strictly_ against both Visa and Mastercard policy and can get a merchant in serious trouble. If it makes you angry then report it.

    report

    here:

    forum post about it:

  8. Credit advice by thebra · · Score: 3, Informative · on U.S. Govt. Stipulates Free Annual Credit Reports

    For great credit advice on how to fix your credit, go to Credit Boards. Found this a few weeks ago. Good stuff.