Credit Repair Letters Knowledge Base
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
credit repair.? am i correct?? i just went to this credit repair place and JUST got some information on how they work....then i came home and found out that all they do is submit letters to credit places.//then they submuit them to the creditors and if they dont respond its deleted....isnt that the same thing u can do on the 3 major credit places website?? called credit disputing?? alll i want to know is--is what these people are charging all this money for (credit repair) if u do some research u can do it free urself?? that wasnt my question A mercer! i was asking the same thing credit repair services do u can do urself for free correct?
Where can I find a trustworthy credit repair expert? I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had been paid. I don't trust any of these non profit credit counselors, but I need some guidance. I am begining to lose hope that this is even worth the trouble. Any advise?
Credit repair letter? I would like a template for the letter to send to the credit bureau to ask to remove a negative account which is over 7 years old?
what can a credit repair service do that i cant do myself? What is it that credit repair agecies do to get things removed that i cant do myself. I have appt. with a repair agent but am on the ropes on wether i want to use the service or not. I mean he says it will take 45days to get things removed which sounds like he is just writing dispute letters.
Has anyone used the free credit repair kit on this website? http://www.expert-credit-advice.com/free_credit_repair.htm I have a question about letter # 3 "Request to delete inaccurate information. If an item is inaccurate, do you have to give a reason why? Or can you just say it's inaccurate? The credit bureaus have to tell you why it is accurate right? Thanks for the heads up but I think your wrong on this one. There is no place to pay, the letters and e-book download without a credit card and dont ask me to signup or submit an email. I am not looking for a loan and my mortgage banker is not friendly.
I need a sample letter for credit repair.? I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account.
Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?
I just got licensed to operate my own credit repair business. Does anyone have suggestions on how to start? I don't want to be one of those companies that take the money and disappear. I truly want to help people learn the things it took me a long time to learn and then give them the choice of whether they want to do it themselves or hire me to write all the letters and make all the phone calls. DON'T BELIEVE ANYONE WHO TELLS YOU THEY CAN GET ALL NEGATIVE ENTRIES REMOVED IMMEDIATELY, WITH NO MONEY FROM YOUR POCKETS!!! It's just impossible! It took you years to get your credit in the state it's in so it will take some time and money to get the items deleted. I've got the qualifications - A Masters Degree in Economics and Finance, A Bachelor's Degree in Economics, a Certificate in Credit Reporting, and a license from the State of Maine for Credit Repair. Please help me learn how to use these tools. I work from home because I broke my neck in a car accident and can't handle a 9-5 job. My brain still in good works so help me get started. If you have questions just e-mail me. Thanks
Credit Repair Business Solution? I am looking to start a credit repair business here in Texas. I am looking for a nice software to keep track of my clients, generate letters, reminders, pull credit reports and also keeps track of all the disputes. I have done extensive search online, i like creditmoneymachine, but the guy is charging too much for it. Any suggestions will be highly appreciated.
How long does it take to repair your credit? I have begun repairing my credit. I've contacted collection agencies to make settlement agreements and everything but I haven't heard from them and it has been 2 or 3 weeks since i sent out the first letter. I need to raise my score that depleted during my divorce. Is there anything I can do to speed up the process?
I'm looking for a credit repair book? I need some help looking for a credit repair book. It's published by Nolo Press, it's blue and I was told the name of it was Credit Repair. its said to have all kinds of sample letters and advice in it to help you repair your credit. Anyone know of this book and how to get it? Thanks.
How should I pay off over $25,000 in medical collections and repair my horribly damaged credit? I had surgery back in 2005. I didn't have insurance, so I applied for COBRA. When I asked when the policy would be active, the person taking my information told me she would backdate it to the beginning of THAT day. So, I went to my dr that day and he told me that I needed an ultrasound. The next day, after the ultrasound, I was told I needed to have surgery. A week later, I had the surgery. A month after the surgery, the insurance I got through COBRA sent me a letter telling me that my actual start date on the policy was the day AFTER I called, so they considered my problem to be a pre-existing condition and wouldn't cover the surgery. All the dr's bills went to collections where they have been sitting and ruining my credit. Is there anything I can do 2 yrs after the fact? Is there a way to fight the ins company? What's the best way to pay them off? I need to repair my credit as I am now looking for a house. I just want to get out of this mess I have put myself in.
Credit Repair........Can you get paid adverse accounts removed early? I know that you can write a dispute letter to the credit bureaus if they are reporting inaccurate information, but what if the information is correct but the account has already been paid? Is there any way you can get it removed before the date set for removal? Also my medical bills are in clear view to everyone. I thought that they were supposed to be marked "Med1" and only could be viewed by myself? Any suggestions on how to clear up my credit and have these items removed early and get my medical bills to be marked appropriately?
credit repair questions? hey all, We are trying to repair our credit for many years now. from our experience we have been sent letters back from credit companies telling us that our credit on there is valid and that they will not be changing it. My understanding is that they have to provide proof of this and yet that havnt. What is the best way of action to get these 3 companies to start removing items and what is the best site out there that provides me with all three credit reports all in one for free? Also please provide me with a couple of sites that explain in detail in help regarding steps to do and sample letters that are current that i may use to get my point across. thank you kindly please provide actual answers or i will delete the question and then no one gets any points even for just posting. Why is it that i get dumb dumb answers that are evident. The point of questions on Yahoo answers is to get info based on your question not just to post idiotic posts. thank you as well annualcredit costs money with alot of there services. And please dont provide the common answers that they can only keep info on there for 7 years we know this everyone knows this. The problem is obvious "removing this stuff" if you dont have experience in this please dont answer as you will not get points anyway. Sorry to all those that do care about answering but you have to understand my frustration with alot of kids answering on here or people that just are answering on common things they have heard. thanks again
What's the best and fastest way to increase credit fico scores? wondering if old charge offs 'fall-off' your credit report after 7 years? 10 years? Do any of those credit repair services work? Heard about writing letters to creditors and if they do not respond in 30 days, the item must be erased from report--true?
Credit Repair Companies? I need a company that will help me with credit repair. I have no time to write letters, etc. Can anyone recommend a company?
My credit report is outdated reflecting a negative score. Are there any companies to hire to help correct? I have a (really) bad credit score. I earned it in the late 90s (right after graduating college '97 - '99). Seven years have gone by but nothing has dropped off. I realize I need to start writing all the letters to the credit reporting agencies and get it updated and accurate. But I wanted to see if there were any companies out there that would write the letters and "fight the battle" to get my credit report updated and corrected. The normal credit repair companies are not really helpful as I am looking to have outdated items removed versus consolidation or payoffs. Any advice? Thank you!!
What is the Best, Fastest, Cheapest way to Fix my credit? There is a credit repair service upstairs and they write letters to the bureau but its like 1500 bucks for me and my husband?!! I need something cheaper!! I pay my bills now on time and I had paid my bills on time. My husband lost his job and my job couldnt carry us, so there is a slump in our credit, we had 4 credit cards, 3 vehicles, 1400 rent, and when he got hurt his work comp took so long to get started we had to only keep 1 car, move before our lease was up.
Do anyone know of a reputable Credit Repair Agency? I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to purchase a home increase my score. I paid all my collection accounts and charge offs everything have zero balances three years ago. I only fell behind because I was taking care of a sick parent. My mistake was I never received or asked for a written letter from the creditor to remove it off my credit report after I paid it. At the time all I was thinking about 3 years ago was paying off my debt. Do credit repair work and is there any repair agency that is highly experienced with Experian. I tried the creditor but they will not work with me. I tried disputing all come back verified. I believe I need a experienced person to help with this. I'm in Southern California
What do you do when disputing a truly inaccurate credit item with Experian Equifaxor TransUnion doesn't work? I have been using this free credit repair kit on this website: www.expert-credit-advice.com and have had many inaccurate items removed by using the pretyped dispute letters, however; a few of the truly inaccurate items have been deemed "accurate" by the bureaus. I used the demand and follow up letter and the bureaus insist that I am using a credit repair company and refuse to investigate further because they say I am a frivelous consumer disputer!!!! I am simply wanting my credit to be accurate and they will not do anything further than offer me a "consumer statement of a 100 words or less". I heard placing a consumer statement is really bad, so I dont want to place one. Can someone please tell me how to approach the bureaus; sue them, send more letters????
How can I get rid of negative entries on my credit report? I read up on it a little, and sent in a few dispute letters, but it came back as verified and only made it worse >_<. Alot of the derogatory items are outdated, and there's a few things that aren't even mine! How is this coming back as verified? If anyone can shed some light, or knows of a reputable credit repair company, it would be greatly appreciated.
Credit Repair? Removing a bad record as a authorized user..? My friend was an authorized user (not joint) on his brothers credit card account. His brother ended up making late payments and then doing a settlement on this account. Unfortunately, the credit for my friend, the authorized user, was also affected. The settlement appears on 1 out of the 3 agencies...therefore, I wanted to know what is the best advice, or best letter to send to a credit reporting agency to get this issue resolved..... I am not looking to give the issue to any CREDIT REPAIR company or any other services. I am looking for a Do-It Yourself approach. Thanks.
Free Credit Repair Websites? I am in the process of repairing my credit on my own and I am finding very few free online resources with information and form letters to assist me. I know that there isn't anything that a service can do that I cannot do on my own and I can't believe that there isn't a comprehensive informational website out there that I don't have to pay to use. The person with the best links to the most complete websites get the best answer. Thank you in advance for your help.
Credit repair. I had a car loan? I had a car loan but a had a lot of late payments. The car is paid off now. How do I get the negative off my credit? Will a "goodwill" letter help or what can I do? If so who do I address it to.
As a mortgage loan officer, can I repair client's credit for them if I don't charge a fee? When I close the loan, will that count as compensation? Is there a license I would need or do I need a Power of Attorney? Will a Borrower Authorization Form suffice? Why is it that only lawyers do this? I just want to save them some time by sending the letters for them and create some loans for myself at the same time. If there are no licensing requirements, can I charge for this service to make a small profit and make sure I'm working with serious home buyers?
Disputing negative items on credit report? I have been reading up on repairing my credit b/c I was going to use a credit repair agency to do this. Everything I have read says that you can get items removed true or not sometimes by sending dispute letters. Does this really work? Do I need to send a letter to all 3 bureaus for the same item? How many should you do at once? I know they would never believe me if I disputed every single thing on my credit report.. How long does this take? Has anyone ever gotten anything removed by doing this?
I'm unable to get my free credit report and not sure what to do? I went to the free credit report sites and they weren't able to process my information due to the fact they asked me a question about something on my account that shouldn't be there. So if you can only speak to a live representative after you order a free credit report.How do I inform them the mortgage they were asking about shouldn't be there and that I'm unable to get my report due to this false information? Is there a mailing address for the credit report companies I can mail a letter to? I only get a automated message when I call the credit report companies. I need to get my credit report before I can work with a credit repair company on how to fix my credit. The site I was on didn't give a mail in option. Just unable to process from the information I gave.
I would like your opinion on credit repair I hear alot of diffrent stories? I have heard I can write some letters to the companies and credit companies but a friend of mine told me to only start with 2 at a time because I didnt want to stir up a hornets nest. What do I do if the first 2 companies I contact do not respond or contact me back with my offer my payment for a delet of payment agreement? How much time should I give them before I move on to then next one without stiring up a hornets nest? For example I contacted a collections company for an apartment I had in 04 and they said they would do a pay for delete agreement so I can have this debt removed from my credit but I have yet to get a letter in the mail or through fax they asked me for my fax number and said I had till 02/15/07 and the lady never emailed me back again. Should I wait for the letter even though they gave me till the 15th because I heard I should not pay unless I get that document first to get it removed from my credit report please help! Advise only I dont need smart remarks.
Debt Control and Credit Repair? My husband abandonded me almost two years ago. I sent the finance company a letter requesting to be removed as co-signer on his car note and also sent a copy of our post-nump. They refused to do so and still put his repo on my credit report. Aren't they supposed to honor a legal document?
Help with Credit Repair? While working on clearing my credit, there has been a few fraudual enteries, and I'm certain it is my sister that has done this to me. My sister even had an apartment in my name in FL and now owes 3k, because of not paying the rent. I started writing letters on my own to the credit bureaus, requesting that they run an investigation and once it was completed; the agencies noted on a few of the fraudual enteries as "New Information Updated." I decided to write directly to the collections agencies requesting that they send to me what was used to open the fraudual accounts, and they in turn wrote me a letter stating that I have to give them a copy of my ID's first. Why! I think this is a way for the collection agencies to stick the account on me. After they receive the ID's then they have the information that is needed to stick the fraudual debt on you. What should be my next move to the collection agencies; do you know the type of letter I should write to them.
Credit Repair?? I have satisfied most of the items on my credit report.? My # is 630 and i have old satisfied and paid accounts on my report and would like to get them removed. I would like to know if there is a standard letter i can send to all of the agencies that have a rating on me to have them removed. Do i need to send copies of documents or is it ehough that they themselves list the debt as satisfied? Thank you in advance for sll responses.
I need to repair my credit? My credit is really bad!!! I want to get it back together but i dont know where to start. I have noticed that there are some things that are on my report that should not be (ie medical bills,a phone bill i know nothing about, and wrong addresses and employment information) I dont want to be scammed!!! I also dont want to pay anything for this as i was told there are sites that help you. Also is there a site that i can go to that has letters i can use to contact theses agencys?
Has anyone used Credit-Aid (credit repair software)? I was wondering if $39.99 is worth it for Credit-Aid. The website is at http://www.creditdoctorsoftware.com/stor... and I saw a two part video on you tube when I typed in "fix your credit". My credit is good, but I would love to improve it. Any previous users of this software (or if you know a friend) who have had any good or bad experiences, please let me know. If you have any other suggestions for software (I need to know what I can do, but I would like the software to generate the letters for me) would be appreciated.
How exactly could i repair bad credit which i didn't make but can't dispute? I’m on active duty and I came home after my 15 month tour in Iraq thinking everything was just as I left them. I did not have a credit card nor did I have debts when I left. I met a girl and after a year of dating we decided to settle down. My fiancée then suggested that it would be nice to start building our credit so I applied for a credit card which got denied because of my extremely low credit score. When we checked my credit report, I have 4 derogatory accounts which were definitely not mine. I called home and found out that my dad used my name and social security number while I was away and failed to pay off debts. So I can’t dispute these accounts for fear that my dad would get in trouble. I tried to repair my credit before the wedding without knowing what to do. So I called Allied Interstate (one of the CA) and they told me to pay off the account for a lower amount. So I did and got a receipt for it. Now that account says: Legally paid in full for less than the full balance and Election of remedy - reported by subscriber. Obviously, this didn’t help my credit score. I am still in the lower 500s. Now that we’re married, I tried sending a goodwill letter to Allied Interstate and a PFD letter to the two other CA. These are letters we got off the net. But the 15 business day grace period is about to be over and there has still been no reply to any of these letters . The last derogatory account is from Weise Properties and it does not have a dollar value on it. I’m really sorry for this extremely long post but I feel really lost and I don’t know where to start. My wife has no credit yet and I just wanted to fix everything for her before I get deployed again. She’s having a tough time adjusting to a new country as it is. What should we do? Thank you very much for your help.
Credit repair question? I sent a letter to a collection agent and they have sent me a accept letter and i was just needing to know if it would work to dispute with credit agencies if the try to back out i will write below what it says. We recently received your proposed offer to pay the above referenced account. after a thorough review of your account, ___ has made the decision to accept your payment in the amount of $x to clear your derogatory information. upon receipt and posting of the $x to your account the delinquent information will be remove from the credit bureau. Does this sound good my agreement was to delete the account from the credit bureau for payment, i have never done this before and was wanting some opinions and advice also the did not sign there letter but it has the company name on it should i request a signed one are will this work?
Student loan rehab & credit repair anyone? I entered the student loan rehabilitation program last year & made my 9th, & final, payment last month. Just as I was told to would, I received a letter from The Dept. of Education about my default status. It said that the creditors were notified that I was no longer in default. I was also told by the creditor I was making payments to, that loan rehab would help my credit a good bit. Have any of you completed a student loan rehabilitation program? What happened after the fact? Was it good or bad? Did your score increase & how long did that take? Have a great day!
Credit Repair... Debt Validation and Disputing question.? If I want want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I dont know so and so collection agency" and have the the agency remove it?
Where can i pay someone $2000 or less to quickly have my credit repaired-so that there aren't any big issues? I get tired of hearing stories about 1) how you can send letters to credit companies to have your credit cleaned, 2) how you can pay someone to send letters to credit companies to have your credit cleaned, 3) how you can pay some people to put non-derogatory accounts on your report that have a seasoned record of perfect payment, 4) how you can pay someone to go into the credit reporting agency computers to "fix" the derogatories, 5) how you can create new credit, etc, etc, etc. Question: What is the best, most seamless way to quickly rebuild your credit? Do you have a link or a phone number? I work with a lot of people who need financing and sometimes they have derogatory credit. I don't know what to believe out there, so I don't know what to tell them. Any leads? I can send some paying customers to a good, reliable, source that can really do the job. Thanks! aminomaniac@yahoo.com
Pay The Collectors Or Letters of Dispute? After much reading, I am looking for the best approach. I have 3 open accounts listed with the 3 agencies. The total amounts are small ($425, $763, $178). Is it best to first send out a registered letter of dispute to each collection agency and see if they respond within 30 days? If not then report it to the credit agencies? Or do I just pay the collection fee's and move on? After trying to pay the full amount owed ($763) and getting $200 in interest thrown in my face, I am hesitant to try and settle with the others. Questions: a.) How to best handle the existing negative tradelines? b.) What steps do you advise to start the credit repair process? c.) Is it possible to remove payroll deducted child support from the credit report itself? I’m not sure if this is standard but child support shows up as credit? d.) Any way to dispute the late charges from the mortgage and 2nd mortgage? Can I request that they prove that I was late and since it was 3+ years ago they may have trouble? The mortgage is 3 years old
After disputing items on your Credit report , How long does it take for your score to change? I have a credit score of 561 and I need at least a 580 to be able to get into a HUD and FHA programs. I have hired a credit repair company, that has sent letters to all three credit agencies disputing the items on my credit report. They have 30 days to respond and Iâ??m on day 18 wondering if things work out to my favor and some of those things on my credit report come off. How many more points will I get and how long will it take? Keep in mind I really only need 19 more points. I have also been paying at least a $100 a month on my credit cards to get the balance down.
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Credit repair Letters needed.? I need to send letters to a couple creditors to clear up my credit rating / credit score. Can someone recommend a good place to find them?
Credit Repair? I am in the process of trying to repair my credit. I have been informed that a person is able to write a settlement letter. How would someone write such a letter?
Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?
I need a sample letter for credit repair.? I am in the process of "cleaning" up my credit. I have several negative accounts that should be scheduled for removal this year as per my State's SOL. ( 7 years). My first one will be 7 years old this March. I need help with the steps on how to assure this will be removed from my account. 1. does anyone have a sample letter that will help me with this? 2. Who do I send this letter to?( The creditor or the credit reporting agency)? 3. Will these accounts come off my account automatically or will I HAVE to write these letters? Can someone help me with the steps or share their own personal experience with this matter.Thanks
I'm looking for a credit repair book? I need some help looking for a credit repair book. It's published by Nolo Press, it's blue and I was told the name of it was Credit Repair. It is said to have all kinds of sample letters and advice in it to help you repair your credit. Anyone know of this book and how to get it? Thanks.
Credit Repair........Can you get paid adverse accounts removed early? I know that you can write a dispute letter to the credit bureaus if they're reporting inaccurate information, but what if the information is correct but the account has already been paid? Is there any way you can get it removed before the date set for removal? Also my medical bills are in clear view to everyone. I thought that they were supposed to be marked "Med1" and only could be viewed by myself? Any suggestions on how to clear up my credit and have these items removed early and get my medical bills to be marked appropriately?
Has anyone used Credit-Aid (credit repair software)? I was wondering if $39.99 is worth it for Credit-Aid. The website is at http://www.creditdoctorsoftware.com/store.htm and I saw a two part video on you tube when I typed in "fix your credit". My credit is good, but I would love to improve it. Any previous users of this software (or if you know a friend) who have had any good or bad experiences, please let me know. If you have any other suggestions for software (I need to know what I can do, but I would like the software to generate the letters for me) would be appreciated. I have already seen the ripoff report link that you sent and it has nothing to do with the company in my question.
Credit Repair Questions??? I am in the process of cleaning up my credit myself and I am getting some conflicting information and need some questions answered. 1) I have a credit card that I reached a settlement amount on years ago. I was told that there is a "zero balance" form letter that I can use to change the status on my report from "settlement" to "satisfactorily paid". Does anyone know where one is and how that works? 2) I have several small collections ($100-$300) on my credit that I am going to pay off. Is it better to have those show as paid or get those items removed entirely? If removed entirely, how do I do that? 3) The only line of credit I have is my car note. It currently shows some late payments. Any advice on getting those changed to a current status? I'm hoping to be in a position to purchase a home in the next 12 months and my credit is bad. I do have money to pay off my debts and I want to make sure that everything looks good when finished. Any other advice is appreciated.
How should I pay off over $25,000 in medical collections and repair my horribly damaged credit? I had surgery back in 2005. I didn't have insurance, so I applied for COBRA. When I asked when the policy would be active, the person taking my information told me she would backdate it to the beginning of THAT day. So, I went to my dr that day and he told me that I needed an ultrasound. The next day, after the ultrasound, I was told I needed to have surgery. A week later, I had the surgery. A month after the surgery, the insurance I got through COBRA sent me a letter telling me that my actual start date on the policy was the day AFTER I called, so they considered my problem to be a pre-existing condition and wouldn't cover the surgery. All the dr's bills went to collections where they have been sitting and ruining my credit. Is there anything I can do 2 yrs after the fact? Is there a way to fight the ins company? What's the best way to pay them off? I need to repair my credit as I am now looking for a house. I just want to get out of this mess I have put myself in.
Credit Repair... Debt Validation and Disputing question.? If I want want a debt validation from a collection agency, do I have to write them the letter myself and ask them to remove it from the reporting agencies, or can I mail the reporting agency itself and say that "I dont know so and so collection agency" and have the the agency remove it? If I ask the agency, do they request the debt validation of the collection agency, or do I have to do it? THANKS.
I sent a credit validation letter to a credit agency to validate a debt for $4,367 from some apartments......? This amount is outrageous to me. The responded with a letter that they had received my request..that my dispute has been investigated but they have yet to find sufficient evidence to validate my claim. Now they want me to provide them with documentation supporting my position or pay. All they provided me with was a summary they made of the debt they claim I owe. I am trying to repair my credit. Any advice on my next step???My understanding is that they have to validate this debt or delete....Any advice would be greatly appreciated.
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
Secured Credit Card company lied? What can I do? So in an attempt to repair my credit after bankruptcy I signed up for a secured credit card. I held the account in excellent standing for about a year and a half and then I was hospitalized due to cancer and unable to keep up with the payments. In January of 2007 I got a letter from the credit card company offering me the opportunity to clear the credit history and bring the account in good standings for a minimum amount. By the time I called (probably 2 weeks after I got the letter) the offer was no longer valid and they advised that my account was about to be charged off. I did not want to go through this credit nightmare again, so I asked what I needed to do to settle the account. I was told that I would need to send in a payment which was $400 less than the total amount due on the account and that would settle the account and prevent it from being charged off. So I sent the payment in. Needless to say - they LIED. Does anyone know what I can do to fight this BS?
Preparing (and repairing) credit with a foreclosure? Due to circumstances beyond my control, I will be defaulting on primary and secondary mortgage this month, and my home will be foreclosed soon. Out of curiousity, is there any preventetive measures I can take to minimize the impact of this on my credit? I know it's going to essentially ruin it, but I'm wondering if there are any letters I can write to credit agencies either now or after the fact to soften the impact, and make it easier for me in the years to come. Thanks, Ryan
Repairing Credit Scores? how do you improve a bad credit rating, i was a student and a little reckless with credit, literally ignoring creditors demands, throwing letters away without opening them, and not paying anything at all, now, i am trying hard to clear the debt which i racked up, admittedly a large proportion of this is interest and charges which i wouldnt have had if i paid it in the first place. Now my credit is unbeleivably bad, and i need it improving, as im scared it will affect my chances of getting a mortgage.... ever! i wont lie, it is so bad, i have contemplated leaving the country for a few years!
Credit Repair? I had a credit card go into collections 18 months ago. I settled for payment less than full with the condition that It would be considered on my credit report as Closed Paid in Full. However on my report it states "Charge -OFF - Settled less than full. I have since contact the credit card company and received a letter that the accounts were closed and paid in full. How do I go about getting my credit report updated to raise my score? Also my current Score is a 670. What should my score raise to?
How to start repairing credit with a judgement? I've been reading a lot of conflicting info on how to fix this. The report in question contains a judgement for a small amount from 2002. This person was sent an extra day or two's worth of unemployment income and later was sent a collection letter. At the time the person wasn't able to pay and just forgot about it. The other issue is a medical bill that went to collections. It appears twice (exact same amt) on the report. At first I thought the best course of action would be to call the collections offices and simply pay the amounts due, but some sources online say this would reset the 7 year clock. Should these debts be disputed even though they are valid (except the double charge)?
Credti repair questions? I am in the process of repairing my credit. I have found a few errors that was listing on two of them Trans and Experian, I have disputing them and today I received a letter letting me know that They are being deleted. My questions is will the other credit agencies automatically remove the errors or will I have to contact them in order to get it off. I am not sure why they came off so easy but I am happy about it!!
Where can I find patterns for greek letters either on or off line? I am looking to start a teeny tiny basement business making greek letters and doing small repairs. The only problem is I can't find any patterns (actual patterns not patterned material) and I do not want to take credit for someone else's patterns...Law suits are scary! Can anyone help me. Gypsy
Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?
How can I get out of having my credit screwed due to my old roommate? I use to live in a house with a girl and she destroyed the house. The owners had to repaint it and do some repair work. I got a letter in the mail for an amount of $1000 for the damage, although they already had our $1100 deposit. I called to talk to the rental department and they said it was my responsibility to pay for the repairs, and I dont know how I can get my old room mate to see what she has done. She does not like to be confronted and talking to her is like talking to a brick wall. What should I do to stop the rental department from messing up my credit?
Does a business line of credit for an incorporated company affect the credit of the officers I.E President? Basically there were two officers with each 50% of shares of an incorporated company and the company could no longer operate due to cash flow. The company had a $7000 balance with a major financial institution as an overdraft protection amount that was granted a year ago. We signed documents, but I am unsure if this was personally guaranteed at the time. My partner is not agreeing to pay off his half of the balance so this amount was sent to a collection agency. The have listed my name and the Incorporated company and stated that "Your credit bureau is being negatively impacted by this non-payment but can still be repaired." I just got this letter today and wondering if anyone can give me some good advice on what I should do. If it is not personally guaranteed can this affect my personal credit history? Thanks for the reply! In this case I remember my partner and I signed documents to grant the overdraft protection. Should I go to the branch and ask for a copy of this to see if it was a personal gurantee? We are both officers to the incorporation and 50% shareholders. They have not marked anything on my credit as of yet. I guess I answered my own question and should find out if I personally guaranteed this overdraft protection amount. What do you think? Checked with my bank today and the line of credit is personally guaranteed with my name and my partners. The collection agency has give me until 11/26/2008. The problem now is that my partner cannot come up with his half by that date even with credit card advance or loan etc.... Any ideas since I have my half ready to pay? Yes I think that will be one of my strategies where I have to draft a promissory note and find out when my partner can come up with his half. I am also looking into ways of extending the deadline before it affects my credit. This may require legal action and lawyer is looking into this tomorrow morning. The messed up part is that he has 2 condos (maybe cosigned) and all his money is tied in there while I have more liquidity. Thanks for all the ideas and keep them coming. Hopefully this is a lesson where everyone can learn from....Make an airtight agreement before going into business with partners!!!
Is there a way to have a late payment removed from my credit report? I have 2 payments to my lender that were 31 days late (30+ gets reported). I have tried talking to managers on the phone, writing a professional letter, and offering to guarantee that I refinance my loan with them when my interest rate fixed period ends in a year, and they simply refuse to help me. I am trying to get a home equity line of credit to do some home repairs, and I am finding it nealy impossible to do so with 2 recent mortgage lates. My LTV of over 90% doesn't help things, but if I could get those 2 lates removed, I'd qualify for loans that go up to 100% LTV. If anyone has any ideas or suggestions as to what I can do to try and get those lates removed, I'd greatly appreciate it. Thank you, in advance, very much for your time.
Is it too late to ask for Pay to Delete? I recently made payment arrangements with a collection agency in hopes to begin to fix my credit. I made one payment already, then I began to research more info on credit repair. Can I still ask for a pay to delete. The Creditor told me that once its paid in full, i will get letter to fax to Credit bureaus that will showed paid. But that still looks bad on my report doesn't it? This account just turned 4 years old last month with is the SOL for my state. So they can't sue me anymore, right? Do you recommend that I continue to pay it off and leave it as Paid 120 days late or ask for pay to delete?
Could we sue a Law firm and Company for false information? My husband and I have been getting letters from a bank sent from a law firm stating that he is the person who owes them and needs to pay or else collections will be put on his credit report and involve a sue in court. I need to know due to we have contacted the agency spoke to their lawyers and they have not stop to this day. It has been a year and a half now and his credit is totally ruined.We contacted a law firm and he stated that we cannot get anything from this just his help to get our credit repair?? Is this true?? Can we sue them with a lawyer and get money to repair our credit and financial stress???
HELP-DEBT VALIDATION considered "frivolous" by Applied Card Bank? I recently asked for a debt validation on a charged off account and have previously disputed it with CRA's and still state it's valid. What I wanted to pin point was the date of delinquency and amount said paid on last payment. Wrote a debt validation letter sent certified. Got a response from the company stating that the information I want is "frivolous" according to Federal regulations because I have failed to prove sufficient information. Letter claims I seem to be working with a Credit Repair Agency, which I have not been and claim the money I am giving them could go to settling the debt. HAHAHA. Just trying to validate the supposed amount owed and who owns it, since Ive been getting collection notices from some other company. ANYONE WITH SOLID ADVICE?
Collection agency does not agree to settlement offer? I received a settlement offer(for 40% less than original debt) from a collection agency for a debt that is about 5 yrs old. I have ignored all the other offers and letters from this agency, I have never spoken to them. I have decided to repair my credit, so I wrote them a letter saying I agreed to pay the monies owed IF they wrote on my credit report that I have "PAID AS AGREED" They responded with that they will write "Settled in full" This does nothing for me. Having those words on my report, such as "settled" have negative connotations. This does not help me. What should my next step be? I want to pay the debt, (and actually don't even mind paying it in full) if they will at least write PAID, on my credit report. Should I stop correspondence with the agency, and try my original method with the original creditor? I'd like to pay as soon as possible, but "settled in full" is not acceptable. Any ideas? Thanks
Can a credit card transaction get lost? I needed my truck repaired. I charged the $480. The service station ran my card and got authorization and a reciept. I signed it. Now there saying they submitted it in the batch at the end of the day. They ran it,they have a reciept, I have a reciept. However it showed up on my CC for a week as a "pending authorization for an approved transaction that has not yet been applied to my account, my current spending balance reflects this transaction*....ok so now..the transaction has dissapeared off my CC, gone..nothing..no charge. I have NOT recieved any calls or letters from my CC company.They say it just dropped off...so what the HECK happened? I might add this is a NEW business, like 2 months old, could they have made the mistake? will it show up later somewhere?
Horizon Gold Card? Ok now everyone seems to be going crazy with the word SCAM this card is not a scam if you would read the terms and conditions on the second page in the disclaimers in all capital letters it states 2. Disclaimers. HORIZON CARD SERVICESâ?¢ IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTERCARD, OR DEBIT CARD. THE HORIZON OUTLET CARDâ?¢ ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE NO DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. HORIZON CARD SERVICESâ?¢ DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. HORIZON CARD SERVICESâ?¢ DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES HORIZON CARD SERVICESâ?¢ ATTEMPT, OR CLAIM TO ATTEMPT, TO ESTABLISH, RE-ESTABLISH OR REPAIR ANY CUSTOMER CREDIT HISTORY. THERE ARE NO ENROLLMENT FEES ASSOCIATED WITH THE ACCOUNT. no i know for a fact that this is printed in 2 font sizes bigger then the rest of the terms and for everyone calling this a scam please how could you not read before you sign up for something if you would like to blame a company for your mistake then fine fight it and lose just like everyone else has thank you for your time
In a quandry, what to do? This past week, my husband and I discovered that my husband brother had been working on cleaning up his credit. Here is the catcher, all of the derogatories that were on the brother's credit all of the sudden turned up on my husband's credit along with all of the aliases the brother used and the brother's addresses and the brother's business. I spent several hours going over my husband's credit report and highlighted all the items that belonged to the brother and wrote a letter to Equifax (the only bureau where this is happening) asking that the items be removed immediately. I also included a copy of my husband's birth cert., ssn card, driver's license and a copy of a recent bill with our mailing address. We have this feeling that the brother had disputed and told Equifax that all these items were my husband's just so he could get his score raised quickly. He informed us that he got an email from Equifax saying his credit had been repaired. He is also trying to buy a house. In a nutshell, we suspect fraud because when we try to talk to the brother, he pretty much trys to change the subject while he is stammering and stuttering claiming he is on medication. Should we file a police report or is the letter to Equifax and all of the documentation included enough? I hope to hear from Studly and Echo on this subject. HELP! Also, the brother and my husband's ssn numbers are very close. The last two digits are different. They are both born in December and are exactly one year and 10 days apart. Apparently, when they were young, their mother got their ssn cards at the same time along with another younger brother. Echo, How do I go about ordering the Lexis Nexis? I did a search and went to lexisnexis.com and it appears to be a site to sell products to potential clients for background checks and such. Is this the correct website and if so, I must be overlooking something. Please pardon me, I am quite upset with this situation.
Who will join me in my boycott of Shell? I had a Shell gas card for about 5 years and was never charged an annual fee. Then in June, I received my statement which included a $25 annual fee. The reverse side of the statement had instructions to write a letter if I wanted to close the account and avoid paying the annual fee. I wrote the letter and then received a letter back saying the account was closed as requested. Now they want me to pay them the $25 plus late fees and they reported it on my credit that I have an outstanding balance! I wrote to the disputes department but that didn't help either. I spend way more than the measly $35 they want, and they just lost a loyal customer. Please join me in my boycott until they repair the damage they did to my credit report. Thanks and Happy New Year! Yeah, I am aware that my boycott will not hurt them that much, and I am aware that their credit division is different (I think it is actually Citibank). I am planning to collect data from my past statement to write a letter to the owner of the Shell station at the end of my street to try to apply "upward pressure." I know it won't be too significant, but it is a matter of principal, not money. I have called them and they tell me that I used the card (for the annual fee) before it was closed. They are a joke!
Does anyone have any idea what i should do? I recently asked a question about the entire wheel coming off of my car. Well, there is more to that story. Like I said before, I bought the car on 7/21/2006, and several weeks later, the finance company sent me a letter stating that they denied me the credit for the car. When I called to speak to someone about the letter, I was given several different stories about why I received the letter. The final story the lady gave me was that I received the letter by mistake. When I asked her for something proving that they did indeed finace me the money for the car, she became very rude. I also purchased a Carfax report on the car and true enough, it had been involved in 2 minor accidents, one of which was at the rear passenger side of the car. Were they obligated to inform me of the past accident? Should they be responsible to repair the damage done to the body of the car even though that's not covered under the warranty? Had the tire not came off, then there would be no damage to
Why don`t people research leaders and only accept the given thought of the mass media? Austin, Texas... Politex's for BUSH FAMILY SKELETONS ...www.bushwatch.com -------------------------------------------------------------------------------- Bush Watch... abortion... archives... autobiography... books... brasin's beat... bush league... blacks... blurbs... california... cartoons... charter schools... cocaine... comedy... culture... de lay... education... environment... executions... exploitation... family... foreign policy... free speech... funeralgate... gays... guns... health... insider trading... iowa... jews... justice... latinos... lotterygate... media... millions... pat... personality... press kit... quizgate... rankings... religion... schedule... songs... talk... taxes... tobacco... triangulation... welfare... end... -------------------------------------------------------------------------------- BUSH FAMILY MACHINATIONS, 1918-2000 1918 Prescott Bush Sr., leads a raid on a Indian tomb to secure Geronimo's skull for Skull & Bones. 1937 Prescott Bush's investment firm sets up deal for the Luftwaffe so it can obtain tetraethyl lead. 1942 Three firms with which Prescott Bush is associated are seized under the Trading with the Enemy Act. 1953 George Bush and the Liedtke brothers form Zapata Petroleum. Zapata's subsidiary, Zapata Offshore, later becomes known for its close ties to the CIA. 1954 The Bush family buys out the Liedtke brothers. 1955 George Bush sets up a Mexican drilling operation, Permago, with a frontman to obscure his ownership. The frontman later is convicted of defrauding the Mexican government of $58 million. 1959 Manuel Noriega recruited as an agent by the US Defense Intelligence Agency. 1960 Some investigators believe George Bush spent part of this year and the next in Miami on behalf of the CIA, organizing rightwing exiles for an invasion of Cuba. Is said to have worked with later Iran-Contra figure Felix Rodriguez. 1961 According to the Realist, CIA official Fletcher Prouty delivers three Navy ships to agents in Guatemala to be used in the Bay of Pigs invasion. Prouty claims he delivered the ships to a CIA agent named George Bush. Agent Bush named the ships the Barbara, Houston and Zapata. Bay of Pigs invasion fails. Right-wingers blame Kennedy for failure to provide air cover. CIA loses 15 men, another 1100 are imprisoned. George Bush invites Rep. TL. Ashley -- a fellow Skull & Boner -- down to Texas for a party in order to meet "an attractive girl." Bush writes that "she may be accompanied by an Austrian ski instructor but I think we can probably flush him at the local dance hall." Bush notes that he's had to unlist his phone because "Jane Morgan keeps calling me all the time." [From a letter in the Ashley archives uncovered by Spy magazine.] Zapata annual report boasts that the company has paid no taxes since it was founded. 1963 John F. Kennedy is assassinated. Internal FBI memo reports that on November 22 "reputable businessman" George H. W. Bush reported hearsay that a certain Young Republican "has been talking of killing the president when he comes to Houston." The Young Republican was nowhere near Dallas on that date. According to a 1988 story in The Nation, a memo from J. Edgar Hoover states that "Mr. George Bush of the CIA" had been briefed on November 23rd, 1963 about the reaction of anti-Castro Cuban exiles in Miami to the assassination of President Kennedy. George says it ain't him, admits he was in Texas but can't remember where. 1964 George Bush runs as a Goldwater Republican for Congress. Campaigns against the Civil Rights Act. 1966 Bush, runs as a moderate Republican, gets elected to Congress. Robert Mosbacher chairs Oil Men for Bush. Apache leader Ned Anderson meets with the Skull & Bones lawyer and George Bush's brother Jonathan who attempt to return the skull Prescott Bush had looted in 1933. Anderson refuses the skull because he says it isn't Geronimo's. 1968 George W. Bush joins Skull & Bones at Yale 1970 Bush loses Senate race to Lloyd Bentsen, despite $112,000 in contributions from a White House slush fund. Jim Baker is campaign chair. Bush later claims to have reported correctly all but $6000 in cash --which he denies he got. A 1992 story in the New York Times says the $6000 was listed in records of Nixon's "townhouse operation" which was designed in part to make GOP congressional candidates vulnerable to blackmail. 1971 Bush is named UN Ambassador by Nixon. Bureau of Narcotics and Dangerous Drugs finds enough evidence of Noriega's involvement in drug dealing to indict him, but US Attorney's office in Miami considers grabbing Noriega in Panama for trial here to be impractical. State Department also urges BNDD to back off. 1972 Bill Liedtke gathers $700,000 in anonymous contributions for the Nixon campaign, delivering the money in cash, checks and securities to the Committee to Re-Elect the President (the infamous CREEP) one day before such contributions become illegal. Bill says he did it as a favor to George. 1973 Bush is named GOP national chair. Brings into the party the Heritage Groups Council, an organization with a number of Nazi sympathizers. Bush, according to Lowell Weicker, inquires as to whether records of the "townhouse operation" should be burned. Robert Mosbacher wins an offshore drilling concession from Philippine dictator Ferdinand Marcos. Watergate tapes indicate concern by Nixon and aide HR Haldeman that the investigation into Watergate might expose the "Bay of Pigs thing." Nixon also speaks of the "Texans" and the "Cubans." and mentions "Mosbacher." In another tape, Nixon decides following his re-election to get signed resignations from his whole government so he can centralize his power. Says Nixon to John Erlichman: "Eliminate everyone, except George Bush. Bush will do anything for our cause." 1974 Bush is named special envoy to China. 1975 DEA report notes Noreiga's involvement in drug trade. George W. Bush graduates from Harvard Business School 1976 Jerry Ford names George Bush CIA director, his fourth political patronage job in a little over five years. Bush later claims this is the first time he ever worked for the CIA. At his confirmation hearings, Bush says, "I think we should tread very carefully on governments that are constitutionally elected." Bush holds first known meeting with Noriega. Noriega starts receiving $110,000 a year from the CIA. Noriega found to be working for Cubans as well, but keeps his CIA gig. Bush sets up Team B within the CIA, a group of neo-conservative outsiders and generals who proceed to double the agency's estimate of Soviet military spending. Senate committee headed by Frank Church proposes revealing size of the country's black budget -- intelligence spending that, in contradiction to the Constitution, is kept secret even from the Hill. According to journalist Tim Weiner, Bush argues that the revelation would be a disaster and would compromise the agency beyond repair. By a one vote margin the matter is referred to the Senate. It never reaches the floor. Chilean dissident Orlando Letelier is assassinated by Chilean secret police agents. CIA fails to inform FBI of pending plot and of assassins' arrival in US. CIA claims the hit was the work of left-wingers in search of a martyr. Bush writes internal CIA memo asking to see cable on Jack Ruby visiting Santos Trafficante in jail. In 1992, Bush will deny any interest in the JFK assassination while CIA head. Bush claims nuclear war is winnable. 1977 Philippine dictator Marcos buys back Robert Mosbacher's oil concession. Mosbacher claims he was swindled. Philippine officials say they never saw any expenditures by Mosbacher on the project. 1978 Bush, Mosbacher and Jim Baker become partners in an oil deal. From a Washington Post article by Bob Woodward and Walter Pincus: "According to those involved in Bush's first political action committee, there were several occasions in 1978-79, when Bush was living in Houston and traveling the country in his first run for the presidency, that he set aside periods of up to 24 hours and told aides that he had to fly to Washington for a secret meeting of former CIA directors. Bush told his aides that he could not divulge his whereabouts, and that he would not be available." Former CIA chief Stansfield Turner denies such meetings took place. George W. Bush declares his candidacy for the Midland Congressional district. He wins the Republican primary and loses in the general election. George W. Bush begins operations of his oil firm, Arbusto Energy. With the help of Jonathan Bush, he assembles several dozen investors in a limited partnership including Dorothy Bush, Lewis Lehrman, William Draper, and James Bath, a Houston aircraft broker 1980 Bush becomes Reagan's vice presidential candidate. Runs as a rightwinger again. Mosbacher becomes chief fundraiser for Bush's presidential campaign. Forms a millionaire's club of 250 contributors, each of whom cough up $100,000. William Casey forms a working group to prepare for possible Carter October political surprise. In early October, an Iranian official meets with three top Reagan campaign aides. All three deny memory of the meeting in subsequent proceedings. On October 21, Reagan hints he has a secret plan to release the hostages. This is right around the alleged date of a Paris meeting at which the so-called "October Surprise" was settled. Some allege that at this meeting it was agreed to end the arms embargo against Iran if Iran would release its hostages after the election. While Bush's presence at this meeting has been denied by the House committee investigating the October Surprise, Bush's whereabouts at this critical time remain in doubt. The White House, in fact, has leaked conflicting stories. Rep. Dan Quayle goes on a Florida golfing vacation with seven other men and Paula Parkinson -- an insurance lobbyist who later posed nude for Playboy. Parkinson describes Quayle as a husband on the make, but says she turned him down because she was already having an affair with another congressman. Marilyn Quayle says, "anybody who knows Dan Quayle knows he would rather play golf than have sex." The Reagan-Bush campaign receives stolen copies of Carter's briefing books. Bush's campaign manager, James Baker, forces the dismissal of Bush aide Jennifer Fitzgerald, described in a 1982 Time story as having "much to say about where Bush goes, what he does and whom he sees." Bush continues to pay Fitzgerald out of his own pocket. 1981 Reagan-Bush inaugurated. Hostages released moments before. Shortly thereafter, arms shipments to Iran resume from Israel and America. In July, an Argentinean plane chartered by Israel crashes in Soviet territory. It is found to have made three deliveries of American military supplies to Iran. In a 1991 story in Esquire, Craig Unger quotes Alexander Haig as saying "I have a sneaking suspicion that someone in the White House winked." Says Unger: "This secret and illegal sale of military equipment continued for years afterwards." James Baker named Reagan's chief of staff. SEC filings for Zapata Oil for 1960-66 are found to have been "inadvertently destroyed." Reagan authorizes CIA assistance to Contras. 1982 CIA director William Casey begins Operation Black Eagle to expand US role in Central America. Urges use of "selected Latin American and European governments, organizations and individuals" in the project. Inslaw, a computer software company, signs a $10 million contract to install a case-tracking program in 94 US Attorney's offices. Four months later, after obtaining a copy of Inslaw's proprietary version of the program, the government cancels the contract and begins an aggressive campaign to force the company into bankruptcy. Later sources claim that the program was installed by the CIA and sold to various foreign intelligence agencies. After $3 million is poured into Arbusto with little oil and no profits, just tax shelter George W. Bush changes the company name to Bush Exploration Oil Co. Subsequently he is kept afloat by an investment from Philip Uzielli, a Princeton friend of James Baker III. For the sum of $1 million, Uzielli bought 10% of the company at a time in 1982 when the entire enterprise was valued at less than $400,000. Subsequently, to save the company George W. Bush merges with Spectrum 7, a small oil firm owned by William DeWitt and Mercer Reynolds. DeWitt had graduated from Yale a few years earlier than Bush and was the son of the former owner of the Cincinnati Reds. Bush becomes president of Spectrum 7. He also gets 14% of the Spectrum's stock. Meanwhile, 50 original investors in Arbusto get paid off at about 20 cents on the dollar. 1983 Noriega meets again with George Bush. Bush presents an autographed photo to a WWII Ukrainian leader under the Nazis, whose regime killed 100,000 Jews. KAL 007 crashes under circumstances that remain suspicious to this day. Bush promotes Jennifer Fitzgerald from appointments secretary to executive assistant. Seven staffers resign in protest. Fitzgerald tells the New York Post: "Everyone keeps painting me as this old ogre. I really don't worry about it. All these bizarre things just simply aren't true." Neil Bush forms his first oil company. He puts in $100, his partners contribute $160,000 and Neil is named president of the firm, JNB Exploration. Jeb Bush's business partner, Alberto Duque, goes bankrupt, is eventually convicted of fraud and is sentenced to 15 years in prison. 1984 Jeb Bush lobbies the Department of Health & Human Services on behalf of Cuban--American businessman Miguel Recarey, Jr., whose medical firm later collapses. Recarey, who was close to mobster Santos Trafficante, later disappears with at least $12 million in federal funds. George Bush takes part in meetings to plan increased "third country" aid to the Contras.. CIA mines Nicaraguan harbors. 1985 Jennifer Fitzgerald is sent to work on Capitol Hill after stories arise linking her romantically with George Bush. Stuart Spencer's public relation firm starts receiving over $350,000 from Panama to improve Noriega's image. CIA starts using BCCI as a conduit. George Bush thanks Oliver North for "dedication and tireless work with the hostage thing, with Central America." Bush will later deny knowing about the Contra effort until late 1986. Neil Bush joins the board of Silverado S&L, serves until 1988. Silverado loans his partners in JNB $132 million which they never repay. Silverado will eventually collapse at a taxpayer cost of $1 billion. 408 TOW anti-tank missiles are shipped from Israel to Iran. A day later, US hostage Benjamin Weir is released. 1986 VP Bush goes to Honduras to promote support for the Contras. Takes along baseball players Nolan Ryan and Gary Carter. Contra figure Felix Rodriguez meets with Donald Gregg, Bush's national security advisor, to complain about Iran-Contra operatives skimming funds from the Contras. Bush may have made several secret visits to Damascus between 1986-88 according to a 1992 report in Time, which said two senior GOP senators were pressing for a probe. The allegation is that Bush went to negotiate the release of hostages in Lebanon but in fact stonewalled Syria, "playing for campaign timing. Republicans want to get to the bottom of intelligence-community suspicions that the US somehow blew a chance to free Terry Anderson and his fellow captives." Iranian arms runner Manucher Ghorbanifar proposes "diversion" of profits from Iran arms sales to Contras. George W. Bush and partners receive more than $2 million of Harken Energy stock in exchange for a failing oil well operation, which had lost $400,000 in the prior six months. After Bush joined Harken, the largest stock position and a seat on its board were acquired by Harvard Management Company. The Harken board gave Bush $600,000 worth of the company's publicly traded stock, plus a seat on the board plus a consultancy that paid him up to $120,000 a year. When Harken runs short of cash it hooks up with investment banker Jackson Stephens of Little Rock, Arkansas, who arranges a $25 million stock purchase by Union Bank of Switzerland. Sheik Abdullah Bakhsh, who joins the board as a part of the deal, is connected to the infamous BCCI. 1987 Bush's former chief of staff, Daniel Murphy, flies to Panama with South Korean influence peddler Tongsun Park on a private plane owned by arms dealer Sargis Soghnalian to meet with Noriega. Murphy later tells a Senate subcommittee that he informed Noriega that he need not resign before the 1988 election despite the Reagan administration public pressure to the contrary. Bill Casey dies. Lee Atwater accuses Robert Dole of spreading stories about Bush and Jennifer Fitzgerald. An agreement is worked out, as reported by Sidney Blumenthal in the Washington Post: "The Dole people didn't spread any rumors and promised not to do it again. And the Bush people haven't spread rumors about the Dole people spreading rumors and won't do it again." Harken Energy project gets rescued by aid from the BCCI-connected Union Bank of Switzerland in a deal brokered by Jackson Stephens, later to show up as a key supporter of Bill Clinton. 1988 Dan Quayle is named VP candidate. Stuart Spencer is assigned to improve Dan Quayle's image, the same job he handled for Noriega and Nixon. Quayle embarrasses campaign by such statements as "[The Holocaust] was an obscene period in our nation's history," adding that "I didn't live in this century." Prisoner who claimed he sold marijuana to Quayle is put into solitary confinement by the head of federal prisons, aborting a planned news conference shortly before the election. Silverado S&L goes under after receiving 126 cease & desist orders in past four years from the Topeka office of the Office of Thrift Supervision. These orders found conflict of interests, insider abuse and other violations. Dwight Chapin, ex-Nixon dirty trickster, gets job in Bush campaign. Rudi Slavoff becomes head of Bulgarians for Bush. In 1983, Slavoff organized an event honoring Austin App, promoter of the theory that the Holocaust was a hoax. Slavoff joins other GOP ethnic leaders in the Coalition of American Nationalities co-chaired by Edward Derwinski. Among them is a former member of an Hungarian pro-Nazi party. After press revelations, eight of the leaders accused of anti-semitism resign from the campaign. Bush says: "Nobody's giving in... These people left of their own account." GOP flier warns that "all the murderers, rapists and drug pushers and child molesters in Massachusetts vote for Michael Dukakis." Bush establishes Team 100, which will eventually grow to 249 individuals who contribute nearly $25 million in soft money to help the GOP cause. The contributions also apparently help the contributors, various of whom get ambassadorial appointments, legislative favors, and intervention on regulatory and criminal matters. Bush denies knowledge of Noriega's involvement in drug dealing. The Willie Horton ad is aired. Credit for similar tactics is given to campaign guru Lee Atwater, whose PR firm had represented drug-connected Bahamian prime minister Oscar Pinding and the Philippines' Marcos. Atwater himself had represented UNITA, the CIA-backed Africa rebel group. Fred Malek, ex-Nixon aide, resigns from the Bush campaign after it's revealed that he compiled a list of Jews in the Labor Dept. as part of a Nixon investigation of a "Jewish cabal." A few days before the supposedly surprise arrest of five BCCI officials, some of the world's most powerful drug dealers quietly withdraw millions of dollars from the bank. Some government investigators believe the dealers were tipped off by sources within the Bush administration. Although Felix Rodriguez, former leading cop under Batista, claims he left the CIA in 1976, Rolling Stone reports that he is still going to CIA headquarters monthly to receive assignments and get his bulletproof Cadillac serviced. Bankruptcy judge George Bason Jr. concludes that the government stole Inslaw's software through "trickery, fraud and deceit." Stock market drops 43 points on false rumor that Washington Post was about the publish the Bush-Fitzgerald story. 1989 Bush inaugurated. Aides tell the press that the new administration would rather "stay one step behind than be one step ahead." Bush authorizes CIA support to Noriega's opposition, giving Noriega an excuse to annul Panama's elections. Bush claims executive privilege to avoid testifying in the Oliver North trial, thus becoming first president to use this power to keep his acts as vice president under wraps. Dan Quayle declares changes in Soviet Union "just a public relations extravaganza." Bush brother Prescott flies to Shanghai after the Tiananmen Square massacre to close a deal for an $18 million resort there, despite his brother's ban on high-level Chinese contacts. Prescott says, "We aren't a bunch of carrion birds coming in to pick the carcass. But there are big opportunities in China, and America can't afford to be shut out." Prescott Bush also visits Japan, searching for consulting contracts just ten days before his brother arrives on a presidential tour. The Japanese firm that paid Prescott a quarter-million dollar consulting fee comes under investigation for exchange law violations and links to the Japanese mob. C. Boyden Gray, the president's top ethics official, corrects his 1985 and 1986 financial disclosure forms. He forgot to include $98,000 in income. George Bush signs the S&L bailout bill promising that "these problems will never happen again." The Chicago Tribune reports: "After 14 fishing outings, the President has failed to catch a single fish." At White House behest, the DEA lures drug dealer to Lafayette Park to make arrest in front of presidential home for the benefit of Bush's upcoming drug speech. At first, drug dealer is dubious, asks DEA agent, "Where the fuck is the White House?" Defense secretary nominee John Tower runs into confirmation troubles when it is revealed that he has received hundreds of thousands of dollars in consulting fees from defense contractors. Runs into more trouble with revelations of womanizing and drinking. His nomination is rejected. The sale of three communications satellites to China is announced. Prescott Bush is a $250,000 consultant in the deal. GOP memo is leaked implying that House Speaker Tom Foley is a homosexual. President Bush signs a top-secret directive ordering closer ties with Iraq, which opens the way for $1 billion in new aid just a little more than a year before Bush goes to war against that country. The agricultural credit allows Saddam Hussein to use his hard currency for a massive military buildup. A second judge concurs that the government stole Inslaw's software. The Statistical Abstract of the United States, published by the US government, reports that the GNP of East Germany during the 1980s was greater than that of West Germany. The figures come from the CIA. Bahrain officials suddenly break off offshore drilling negotiations with Amoco and decide to deal with Harken Energy, George Bush Jr.'s firm. Harken has had a series of failed ventures and no cash, so the Bass brothers are brought in to finance Harken's efforts at a cost of $50 million. Neil Bush bails out of JNB Exploration, the firm where he became president with a $100 ante, leaving his partners to worry about its debt. Days earlier he forms Apex Energy with a personal investment of $3000. The rest of the money -- $2.7 million -- comes from an SBA program designed to help "high risk start-up companies." Like JNB, it proves to be just that. Apex will later go belly-up with no assets. Two months after his father's inauguration, George W. Bush announces that he and a syndicate of investors have purchased the Texas Rangers. The investors are Edward "Rusty" Rose, Richard Rainwater, Bill DeWitt, Roland Betts (a former Yale frat brother) and Tom Bernstein (Bett's partner in a film investment concern). While Bush appears to lead the group, Rainwater makes clear that Rose is to control how the business is run. Bush's stake in the $86 million deal is 2%, financed with a $500,000 loan from a Midland Bank of which he had been a director and $106,000 from other sources. Rainwater and Rose put up 14.2 million, Betts and Bernstein invested about $6 million and the balance comes from smaller investors and loans. Bush will eventually sell his share for $15 million. 1990 Federal regulators give Bush son Neil the mildest possible penalty in the $1 billion failure of the Silverado S&L. The deal is so good that Bush drops his appeal. Among other things, Neil, as a Silverado director, voted to approve over $100 million in loans to his business partners. January: Bahrain awards exclusive offshore drilling rights to Harken Oil. This is a surprise as Harken is in very shaky financial condition, has never drilled outside of Texas, Louisiana and Oklahoma and had never drilled undersea at all. The Bass brothers are brought in by Harken for sufficient equity to proceed with the effort. Harken's stock price increases from $4.50 to $5.50. George W. Bush sells two-thirds of his Harken Energy stock at the top of the market for $850,000, a 200% profit, but makes no report to the SEC until March 1991. Bush Jr. says later the SEC misplaced the report. An SEC representative responds: "nobody ever found the 'lost' filing." One week after Bush's sale, Harken reports an earnings plunge. Harken stock falls more than 60%. Bush uses most of the proceeds to pay off the bank loan he had taken a year earlier to finance his portion of the Texas Rangers deal. August: Saddam Hussein invades Kuwait. Harken's stock price drops substantially. Two months after Bush sells his stock, Harken posts losses for the 2nd quarter of well over $20 million and is shares fall another 24 %, by year end Harken is trading at $1.25. Bush has insisted that he did not know about the firm's mounting losses and that his stock sell-off was approved by Harken's general counsel. George W. Bush is asked by Carlyle Group to serve on the board of directors of Caterair, one of the nation's largest airline catering services which it had acquired in 1989. The offer is arranged by Fred Malek, long time Bush associate who is then an advisor to Carlyle. October: Arlington, Texas Mayor Richard Greene signs a contract that guarantees $135 million toward the new Texas Ranger Stadium's estimate price of $190 million. The Rangers put up no cash but finance their share through a ticket surcharge. From the team's operating revenues, the city will earn a maximum of $5 million annually in rent, no matter how much the Rangers reap from ticket sales and television (a sum that will rise to $100 million a year). Another provision permitts the franchise to buy the stadium after the accumulated rental payments reached a mere $ 60 million. The property acquired so cheaply by the Rangers includes not just a fancy new stadium with a seating capacity of 49,000 but an additional 270 acres of newly valuable land. Legislation is passed and signed that authorizes the Arlington Sports Facilities Development Authority with power to issue bonds and exercise eminent domain over any obstinate landowners. Never before had a Texas municipal authority been given the license to seize the property of a private citizen for the benefit of other private citizens. A recalcitrant Arlington family refuses to sell a 13 acre parcel near the stadium site for half its appraised value. The jury awards more than $4 million to the family. Fred Malek returns to power with ambassador status to head up planning for the economic summit. S&L industry is losing money at the rate of $3 million a minute. Bailout chief estimates total cost at $325-500 billion. Some 200 young soccer players have their games canceled for security reasons because Bush wants to go fishing on the Potomac nearby. Says one seven-year-old player: "We had a tough soccer game and he's just going fishing. He could play somewhere else." Bush son Jeb gets the federal government to pay off the $4 million he owed to a failed Florida thrift. Bush brother Jonathan's east coast brokerage fined in two states for violating laws and Jonathan is barred from public trading in Massachusetts. Bush's attorney general, Richard Thornberg, is warned about BCCI but does nothing. Federal court of appeals throws out the Inslaw case on the grounds that it did not belong in bankruptcy court. Bush says, "The economy is headed in the right direction." 1991 Former top aide to White House Chief of Staff John Sununu goes to work for a prominent figure in the BCCI scandal less than a month after leaving the Bush administration. Edward Rogers Jr. signs a $600,000 contract to give legal advice to Sheik Kamal Adham, an ex-Saudi intelligence officer who is being investigated for his role in BCCI's takeover of First American Bancshares. The Miami acting US Attorney is allegedly rebuffed by the Justice Department in his efforts to indict BCCI and some of its principal officers on tax fraud charges. Justice Department later denies this occurred. Danny Casolaro, a reporter investigating the Inslaw story, is found dead in a motel room bathtub, the day after he met a key source. The death was ruled a suicide. Perhaps he is despondent over the loss of his briefcase, which is missing from the room. George Bush spends three nights in a Houston hotel so he can claim Texas residency. Texas has no income tax. Neil Bush bails out of Apex Energy after collecting $320,000 in salary plus expenses. Bill Daniels, cable-TV magnate who has been lobbying against regulation of the cable industry, offers Neil a job. According to a representative, he "thought Neil deserved a second chance." 1992 New York Times reports that three of Bush's top fundraisers are being sued in connection with bank failures and another pleaded guilty to mail fraud in connection with an S&L. These men include the GOP national finance chair, vice chair and two co-chairs of the President's Dinner, which raised $9 million for Republican causes. Former US Attorney General Elliot Richardson, representing the owners of Inslaw, tells Mother Jones, "I don't know any case where the government has stonewalled like this." First of Harken Energy's wells off Bahrain comes up dry. George W. Bush takes a leave of absence from the firm to work in his father's campaign, saying "I don't want to involve this company in any kind of allegations of conflicts or whatever may arise." Village Voice reports that President Bush has taken at least 76 partisan flights during his term, at a cost to the taxpayers of over $6 million. Nixon's Jew hunter Fred Malek is back as Bush's campaign manager. Campaign sells photo opportunities with the president at a fundraiser for $92,000 each. Washington, DC, loses $52,000 in taxes because Bush claims to be a Texas resident. Donald H. Alexander contributes $100,000 to Team 100; shortly thereafter he's named ambassador to the Netherlands. Bush says: "I will do what I have to do to be reelected." 1993 With the new Ranger stadium being readied to open the following spring, George W. Bush announces that he would be running for governor. He is says his campaign theme will be self-reliance and personal responsibility rather than dependence on government. 1994 George W. Bush is elected Governor of Texas, defeating Ann Richards 53 to 46 %. 1999 George W. Bush executes his 99th prisoner. George W. Bush celebrates the Martin Luther King holiday by staying inside the Governor's Mansion with the windows closed so he wouldn't hear the thousands of Martin Luther King celebrants listening to speeches right outside his window on the Texas capitol grounds [across the street]. Bush claims to be reading four serious books while campaigning for president. Total pages of the four books: 1,762 * "When I was coming up, it was a dangerous world and you knew exactly who they were. It was us versus them and it was clear who them was. Today we are not so sure who the they are, but we know they're there." -- Texas Gov. George W. Bush, presidential candidate. * "Food on the family." -- George W. Bush listing one of the priorities of his future administration. * "This is Preservation month. I appreciate preservation. This is what you do when you run for president. You've got to preserve." -- George W. Bush to several hundred children at an elementary school in Nashua that was celebrating what it called Perseverance Month (not Preservation Month). * "Is your children learning?" -- George W. Bush on education. * "Some people have too much freedom." -- George W. Bush * "The Grecians." -- George W. Bush on Greek people. * "What I'm against is quotas. I'm against hard quotas, quotas that basically delineate based upon whatever. However they delineate, quotas, I think, vulcanize society." -- George W. Bush, meaning to say "balkanize," not "vulcanize" -- we think -- and something about quotas (Austin American-Statesman 3/23/99). * "Sitting down and reading a 500-page book on public policy or philosophy or something." -- George W. Bush when asked to name something he isn't good at (Talk magazine, September 1999). * "Please! Don't kill me." -- George W. Bush to Larry King, mocking what Karla Faye Tucker said when asked "What would you say to Governor Bush?" prior to her execution by lethal injection (as reported by Talk magazine, September 1999). * "Tell them I have learned from mistakes I may or may not have made." -- George W. Bush 2000 "Jeb's the smart one" -- George Bush Sr. to dinner partner Former President George Bush tries to block Gen. Manuel Noriega's release from a US prison because he fears the Panamanian strongman wants to kill him. Noriega attorney Frank Rubino says the assertion was made by Assistant US Attorney Pat Sullivan, who represented the government at a parole hearing for Noriega. Copyright 2000 The Progressive Review Also,'Sam Smith's Great American Political Repair Manual' is published by WW Norton. 2000 (continued) Al Gore gets more popular votes than George W. Bush in the November presidential elections, but a winner is unable to be declared because the outcome depends upon a state of Florida recount that must made, according to Florida law, since the eventual winner will have a majority of less than 1% of the vote. Many of the counties do not do a recount, but simply re-report their first results. Other counties decide to accept late overseas ballots, contrary to Florida law. Bush enlists James Baker to oversee his post-campaign Florida campaign. Although Jeb, as Florida governor, recuses himself from official state participation in the recount, phone records later made public lead observers to question that statement. The Florida Supreme Court directs that the entire state must physically recount all of the votes, but the U.S. Supreme Court overrules, declaring George W. Bush the victor in order to protect our tradition of the smooth transition of power. The vote was 5-4. Although the court ruled that the decision could never be used as precedent in any future legal case, it was determined that allowing the State of Florida to recount its votes, even though it is legally required to do so, would not be in the best interest of George W. Bush's presidential aspirations. On the basis of the Supreme Court's decision, Bush was declared the victor in Florida, thus winning the majority of electoral votes and thus being elected the nation's 43rd president. 2001 Bush is sworn in as president and Dick Cheney, Sec. of Defense under Poppy, is sworn in as vice-president. Numerous key members of the Regan-Bush and Bush-Quayle administrations, including those who left under a Contra cloud, are brought back into the new administration. With Bush as front man and Cheney as the brains behind the throne, Bush begins to consolidate power with fast-track plans to weaken government regulations of corporations, begin drilling on previously out of bounds environmentally fragile sites, place greater world trade powers in the White House, establish formal governmental funding of religions, allow greater civil rights discrimination in the name of freedom, shift more of the nation's wealth away from the middle class and into the hands of the wealthy through changes in the tax laws, further establish military dominance in the world and in space through missile defense, and weaken international compacts protecting the environment and controlling small arms. 79 year old Andrew Marshall, a colleague of Herman "Dr. Strangelove" Kahn at the Rand think tank in the 50's appointed head of the Pentagon's Office of Net Assessment and major speechwriter of Bush's Missle Defense System speeches. Taking a cue from the Bush Administration, Japan deals with Iran to provide oil field studies, indicating that the Clinton Sanctions Act will no longer be enforced against Iran. 2000-2001 Updates by Politex
What happens to old debt? Serious answers please.? Remarried on the rebound ended up in divorce and it was just ended annulled type thing, but legal divorce however no bills were addressed. Whatever it is, what it is not going there about divorce just over and done. But there were bills and it has been over 5 years for most. There was an auto repossession that shows negotiated to 900 owed just and late. It had been a new car sold 12,000 short of bill. on the credit report understand. There was a charge card for 3000. I never hear from them. A celular phone plan that was bogus but anyways. and a dental bill. They still send threatening letters but that is all I never hear from the others. Don't tell me to pay them on my wages that is just impossible. I don't have enough for groceries or car repairs let alone past debt created by the ex on my name. I am NOT filing bankruptcy. Hubby number one did that on me. It has been 8 years and credit companies still site this as excuse for not giving me a credit card for auto tire
Mortgage/loan confusion....? Here's my situation... I am self-employed and have been for almost 3 years. I have the past 2 years tax returns... which don't total much in profit at all. I am looking to shift my business into real estate investment and need to get a loan. I am looking for 100-105% financing... I would finance the update/repairs and then flip it. I have excellent credit (680 low 714 high). Here are my questions: 1. Will a lender consider the potential income from the flip, if you present figures? 2. Will they consider my boyfriend's off-the book income (if he gets a letter from his employer)? 3. What can I do to help me get a loan?
HELP for poor peoples? My name is Alic Alica . Already I wrote you a letter in which I explained my problem and I will in brief again describe it to you. My problem is that Im in very big financial crises and I dont see solution without your help. Im single parent , living with son 21 years old and monthly income 200 $ . My flat burnned . Here , in Bosna and Herzegovina we dont have flat insurancees and to recover my flat I took a credits which Im not able to return back due to small salary and due to expancive life . To get that credits I gave that my flat under the mortage . Now Im not able to return credits , and Im afraid to loose my flat which in mean time I repaired it . My debts still are abouth 50.000$ . That is main capital amounth without interests . If I pay it now , bank will not account interests to me , but if not , than interests will kill me . Amount of credit will be duble time bigger. If you want to help one despaired woman , to proof my situation , I can send summaries of my account in banks, you can directly contact my banks and pay that amount on my account . I am very despaired, crying every day, dont see any solution for my situation except you. You are the light at the end of dark tunnel . With your help I can see future for me and my son , but without I see just darkness , sadness , and I m afraid of bad thoughts which are always occupying my mind . I know that you are big humanist woman-man and that you help and made happy many people and I am living in hope that you will also help to me and my son. My home address is Alic Alica , St. Muhameda Hadzijahica 10 , Sarajevo 71000 , Bosnia and Herzegovina . My number of bank is 1291009228480822 from HVB-CENTRAL PROFIT BANKA DD SARAJEVO, street Zelenih beretki 24 71000 Sarajevo Tel +387 33 222 999, SWIFT: BACXBA22, www.hvb-cpb.ba Thank you for any kind of help, even for your reading of my despaired letter. God bless you, and I m little late, but wish you very happy birth day and happy life. Also wish you to be always able to help people. I should also like to be in your position to help people but unfortunately I m on the other side. I am depending on good heart from good people. Anyhow, I am not envy, I m happy that people like you exist. Waiting for any kind of your answer, hoping will not be negative, and remain grateful to you and love you from deep core of my heart. Alic Alica
Going nuts, in need of eviction advice?? In need of some advice.. I'm trying to get an apt, and I lived in a house for a year along with roomates, 7 of us signed only one lease (month to month lease) slumlord decided he wanted everyone to leave in 05/06. My bf and I left 07/01/06, landlord decided to file an eviction 09/22/06, suing us for back rent from May to September, although 6 of us had already moved and one stayed. How would I go about appealing the eviction? I already wrote letter's to the courts, they didnt give me any good advice, just discouraged me further. Other ex-roomates paid money to appeal even though, were all being told, it's not going away for 7 years even if we do pay him... Amongst everything he was a slumlord, who entered the house w/out permission, many times, the house needed major repairs, we were all w/out heat all winter long....no money for a lawyer, wish this wasnt on my credit report, what should I do?
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