going to better

Credit Secrets: RAISING THOUSANDS IN A MATTER OF DAYS.

2099-07-20T02:57:00.000-07:00

Once you have established a credit rating as described in chapter one you are in a position to borrow thousands from the banks with which you have been dealing.

Go to each of the half dozen or so banks from which you deposited and borrowed £500 (or whatever sum you were able to use) and request a personal loan application.

Fill out the loan application for a sum of between £500 and, say, £2,000. Even if you apply to borrow only £500 from each of six banks, that still amounts to a total of £3,000.

Take the applications home, fill them out and take them, in person, to each of the banks all on the same day. By doing this, any check on your borrowing will only show up for any loans which you already have. The banks will not have details of the loan applications made to other banks on the same day.

Because the individual sums for which you are applying are relatively small, and because you have already established yourself as credit-worthy with each of the banks to which you are applying, you should find that the loans are approved within a matter of days. Sometimes you will get clearance on the same day you apply and can leave the bank with a cheque for the loan amount.

Often banks will deposit the money directly into your account with them. If this is the case you simply go to the cash desk and make a withdrawal for the full amount either later the same day or whenever it suits your convenience.

Using this method I borrowed £8,000 and deposited the full amount with another bank from which I had not originally borrowed. I deposited £5,000 in a savings account with that bank, and £3,000 in a current account.

By lodging the £5,000 as security I then was able to borrow a further £5,000 and repeat the process as detailed in chapter one. Ultimately borrowing £30,000 I then invested in a small run-down, one bedroom flat for £18,000. I paid £7,000 to have this flat completely renovated and sold it 6 months later for £32,000. Even after interest payments I still made a profit of over £5,000.

£5,000 in the space of 6 months is not a great deal of money, by any standard. However, when you consider that I had been virtually bankrupt less than a year earlier and started the whole venture with only £650 in total I think you will agree that it is not a bad return.

I mention the property deal here because that is what I did with the money I borrowed at that time. I have been involved in many property deals over the years, most of which have made considerably more than £5,000...often more than ten times that amount. This example is pertinent here because it shows what can be done with the smallest amount of starting capital.

Once you have used the method of borrowing detailed above, you will eventually develop a credit rating where you will be able to borrow between £10,000 and £20,000 within a day or two of applying.

If you keep building up the amount borrowed, and expand the number of banks you deal with to ten, then you only need to borrow £10,000 from each one in order to raise £100,000.

First of all you can borrow as little as the £500 originally discussed in chapter one. But expand the number of banks you use to ten. You then go to as many as all ten of these banks and request a 30-day loan of £1,000. Because of the credit rating you have established you should have no trouble at all in borrowing such small amounts from each bank.

When the 30-day borrowing period is over, repay the whole amount to each bank on the same day. After another month or two, go to all of these banks again and ask to borrow £2,000 for a sixty or ninety day period.

Again, repay the loans promptly at the end of the sixty or ninety-day period. After another two or three steps using this method, you will be able to borrow at least £10,000. Because you will now be recognised by the banks as someone who is a very good lending risk, you should be able to have a loan of £10,000 approved, at each bank, within a day or two.

So, once you have built your reputation for credit-worthiness, you can raise at least £100,000 within two days of applying.

Re: [credit-repair] Re: Paying of a Charge Off !!

2008-06-22T12:54:00.000-07:00

I agree. Paying off items in collections is valuable. The biggest decision is do you want it reported as Paid in Full was a collection account; Or, Paid in Full for less than full balance;

According to many morage professionals I have dealt with, paying collections show responsibility;

If you are trying to raise scores; have an open checking account. (savings is getting importance (based on a few credit apps I have seen,)) and a permanant mailing address.

I want us all to be able one day to buy a car for no interest. LOL

That's my main goal;

Check with your own financial advisor to verify what you need to do; sometimes when buying through a finance company; you need to listen to them; above all do things that make you responsible.

Having a listed phone number is one stupid example. But, believe it or not. depending on the buisnesses you deal with, they check....

Good luck to all,

Michael

palmettolawgirl <Irishgirl88@hotmail.com> wrote:

I can tell you from experience...you will never get another loan on a
vehicle as long as an unpaid balance is showing. Make a deal if you
can to get it removed...if they so no take the deal anyway. BUT, make
sure they report the debt PAID with a ZERO balance. Tell them you
want it in writing that the debt although paid at 50% is PAID fully
and they are not to leave a balance due with the other 50%.

--- In credit-repair@yahoogroups.com, "ace726rail" <ace726rail@...>
wrote:
>
> Hi All;
>
> Fast question here. Is it better not to pay off the balance of a
> charge off,or to pay off the balance that I owe?
>
> I received a prioty mail express that I should pay of the what i
> owe at a 50% discount of loan balance what I owe then my credi
> rating be better?? But the charge will stay on report!!!! LOL
>
> A charge off already damage the report and i think it is useless
> to try to payoff the reamining balance.
>
>
> So, should I pay this collocetion party and credited to my
account?
>
> Or should I just skipped it?
>
>
> Thank You
>
> Bruce Fremont
>
> ace726rail
>

__._,_.___

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>> <*> Electronic Credit Repair Kit(tm): http://mix6.com/credit <*> To post a message, e-mail: credit-repair@yahoogroups.com <*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137 <*> Credit Repair Service: http://FreeCreditFix.Info/cr/ <*> Sample letters: http://groups.yahoo.com/group/credit-repair/files/Letters <*> Free credit reports: http://mix6.com/credit/freeCR.html <<<<<<< ******* LOOK HERE, IMPORTANT INFO *******

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RE: [credit-repair] Paying of a Charge Off !!

2008-06-22T12:37:00.001-07:00

I agree with both other posters. If you plan a large purchase prior to when this will drop off them you need to consider paying it. But do get it in writing exactly how they intend to report once paid.

What is likely to happen is that as soon as you contact them then you will get “oh but there was a time limit on that and it has expired”

Case law supports that this practice, if that is what they try, is a violation.

You should check the DOFD reported for accuracy. Also if the trade line has not been updated in somewhere around a year then it is stale, payment will cause it to be updated and no longer stale.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of palmettolawgirl
Sent: Sunday, June 22, 2008 9:44 AM
To: credit-repair@yahoogroups.com
Subject: [credit-repair] Paying of a Charge Off !!

I can tell you from experience...you will never get another loan on a
vehicle as long as an unpaid balance is showing. Make a deal if you
can to get it removed...if they so no take the deal anyway. BUT, make
sure they report the debt PAID with a ZERO balance. Tell them you
want it in writing that the debt although paid at 50% is PAID fully
and they are not to leave a balance due with the other 50%.

--- In credit-repair@yahoogroups.com, "ace726rail" <ace726rail@...>
wrote:
>
> Hi All;
>
> Fast question here. Is it better not to pay off the balance of a
> charge off,or to pay off the balance that I owe?
>
> I received a prioty mail express that I should pay of the what i
> owe at a 50% discount of loan balance what I owe then my credi
> rating be better?? But the charge will stay on report!!!! LOL
>
> A charge off already damage the report and i think it is useless
> to try to payoff the reamining balance.
>
>
> So, should I pay this collocetion party and credited to my
account?
>
> Or should I just skipped it?
>
>
> Thank You
>
> Bruce Fremont
>
> ace726rail
>

__,_._,___

RE: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

2008-06-22T12:37:00.000-07:00

It would appear to me that the first was completed, verified, with the addition of the statement. They failed to send notice to you.

Let the second one run its course and see what happens.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of palmettolawgirl
Sent: Friday, June 20, 2008 12:24 PM
To: credit-repair@yahoogroups.com
Subject: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

The first dispute has run it's course with no resposne. The CRA sent
my complaint to the CA and now they are reporting "consumer disputes -
second investigation" they are saying that a 2nd investigation is
underway when the first is outside the FCRA time limit and has never
been answered.

Who and how should I address this to in order to get it deleted?

THANK YOU SMURF!!!

--- In credit-repair@yahoogroups.com, "smurfhandy" <smurfhandy@...>
wrote:
>
> The cra must verify . or not ..
>
>
>
> Has everything currently outstanding run its course?
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of palmettolawgirl
> Sent: Tuesday, June 17, 2008 5:34 PM
> To: credit-repair@yahoogroups.com
> Subject: [credit-repair] SMURF-Creditor claims reinvestigation
pending when
> first hasn't been answered
>
>
>
> Both. I sent letters to the CRA and disputes to the CA with no
luck.
> When I sent the letter to the CRA they just notified the CA I was
> disputing and that's when the second investigation started. But,
the
> CA never answered the first dispute so how can they report a second
> investigation is underway? Plus, the CRA ignored my evidence that
the
> first investigation was already requested and no proof had been
given
> back to me.
>
> What do I do to get these off my bureaus? It's been more than
thirty
> days with no word. I did however recieve a letter stating the debts
> were on hold but they are still reporting them as collections. I
hope
> this made sense.
>
> --- In credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com, "smurfhandy" <smurfhandy@>
> wrote:
> >
> > I don't know what you have done . did you dispute directly with
> the CA
> > under FDCPA or with the CRA under FCRA?
> >
> >
> >
> > _____
> >
> > From: credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com [mailto:credit-
> repair@yahoogroups. <mailto:repair%40yahoogroups.com> com]
> > On Behalf Of palmettolawgirl
> > Sent: Friday, June 13, 2008 9:16 AM
> > To: credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com
> > Subject: [credit-repair] SMURF-Creditor claims reinvestigation
> pending when
> > first hasn't been answered
> >
> >
> >
> > CA is reporting on bureau that a reinvestigation is pending on
the
> > accounts I disputed. They never answered the first dispute and in
> two
> > days 30 days will have passed. How can they be re-investigating?
> >
> > What do I do? Any case law or FDCPA or FCRA codes would be
helpful
> here
> > as well. I'm also preparing my complaint for small claims as well.
> >
>

__,_._,___

RE: [credit-repair] Can Original Creditors still furnish information to....

2008-06-22T12:29:00.000-07:00

I agree, treat it as exactly what it is, identity theft.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of msldystrkr
Sent: Saturday, June 21, 2008 10:47 AM
To: credit-repair@yahoogroups.com
Subject: [credit-repair] Can Original Creditors still furnish information to....

My suggestion would be to:

1. Fill out an affidavit that clearly has this account included along
with whoever is trying to collect on this (CA).

2. Attach all the evidence you have received that you believe is NOT
your signature and the money orders that were not purchased by you.

3. Take all of this with you down to he local police department and
file a police report. Make sure that this item and any CA's are
listed on the report. Also make sure to point out somewhere in the
police report the difference in phone numbers.

4. Now send a copy of the affidavit and police report to the CRA's and
request them that they remove the item as not belonging to you or
obtained without your authorization.

5. Finally do as number 4 to anyone trying to collect on this account.

If they continue to report and you have done all the above see an
attorney for your option

__,_._,___

[credit-repair] Re: Paying of a Charge Off !!

2008-06-22T06:43:00.000-07:00

--- In credit-repair@yahoogroups.com, "ace726rail" <ace726rail@...>
wrote:
>
> Hi All;
>
> Fast question here. Is it better not to pay off the balance of a
> charge off,or to pay off the balance that I owe?
>
> I received a prioty mail express that I should pay of the what i
> owe at a 50% discount of loan balance what I owe then my credi
> rating be better?? But the charge will stay on report!!!! LOL
>
> A charge off already damage the report and i think it is useless
> to try to payoff the reamining balance.
>
>
> So, should I pay this collocetion party and credited to my
account?
>
> Or should I just skipped it?
>
>
> Thank You
>
> Bruce Fremont
>
> ace726rail
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

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<*> Your use of Yahoo! Groups is subject to:

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Re: [credit-repair] Paying of a Charge Off !!

2008-06-21T21:00:00.000-07:00

Well if u plan to buy a house, is better that u pay it. But if u dont in the near future don t bother to pay it off. It s worst in some cases, and in other, for example if u ready to purchase a house they send them the money in escrow. So, it s up to u.

2008/6/21 ace726rail <ace726rail@hotmail.com>:

Hi All;

Fast question here. Is it better not to pay off the balance of a
charge off,or to pay off the balance that I owe?

I received a prioty mail express that I should pay of the what i
owe at a 50% discount of loan balance what I owe then my credi
rating be better?? But the charge will stay on report!!!! LOL

A charge off already damage the report and i think it is useless
to try to payoff the reamining balance.

So, should I pay this collocetion party and credited to my account?

Or should I just skipped it?

Thank You

Bruce Fremont

ace726rail

__,_._,___

[credit-repair] Paying of a Charge Off !!

2008-06-21T14:51:00.000-07:00

Hi All;

Fast question here. Is it better not to pay off the balance of a
charge off,or to pay off the balance that I owe?

I received a prioty mail express that I should pay of the what i
owe at a 50% discount of loan balance what I owe then my credi
rating be better?? But the charge will stay on report!!!! LOL

A charge off already damage the report and i think it is useless
to try to payoff the reamining balance.

So, should I pay this collocetion party and credited to my account?

Or should I just skipped it?

Thank You

Bruce Fremont

ace726rail

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

[credit-repair] Re: Can Original Creditors still furnish information to....

2008-06-21T07:46:00.000-07:00

My suggestion would be to:

1. Fill out an affidavit that clearly has this account included along
with whoever is trying to collect on this (CA).

2. Attach all the evidence you have received that you believe is NOT
your signature and the money orders that were not purchased by you.

3. Take all of this with you down to he local police department and
file a police report. Make sure that this item and any CA's are
listed on the report. Also make sure to point out somewhere in the
police report the difference in phone numbers.

4. Now send a copy of the affidavit and police report to the CRA's and
request them that they remove the item as not belonging to you or
obtained without your authorization.

5. Finally do as number 4 to anyone trying to collect on this account.

If they continue to report and you have done all the above see an
attorney for your option

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

RE: [credit-repair] Re: Testimonials

2008-06-21T02:53:00.000-07:00

Daisy, thanks for this, but how did Smurf help you? Tell your personal story.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of daisy carlson
Sent: Friday, June 20, 2008 9:31 PM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Re: Testimonials

I just wanted to say thanks for all the info on this board. we're in the process of heavily repairing our credit. Its almost done thank goodness but about 9 mos ago we found out that a bill we paid 3 yrs ago (2/05) was still on our credit report as unpaid. we filed complaints w/ the credit bureaus but they found in favor of the company. Finally i got my husband to call the credit bureau reporting agencies and got the # for the place we supposedly owed. Called them ; faxed over a copyof the cancelled check adn it is now removed from our report. Now the only negative we have is our bankruptcy that is about to be 7 yrs old! Only 3 more yrs of that on there!!! OH and our credit score is now over 700! I"m one happy camper.

Daisy: wife to Eric,

Mom to Adayla, Braydon, Colton, and Faythe

--- On Fri, 6/20/08, palmettolawgirl <Irishgirl88@hotmail.com> wrote:

From: palmettolawgirl <Irishgirl88@hotmail.com>
Subject: [credit-repair] Re: Testimonials
To: credit-repair@yahoogroups.com
Date: Friday, June 20, 2008, 3:45 PM

It's for Smurf! She's volunteering her expertise in our forum and
needs some testimonials of her advice whether they helped out etc.

--- In credit-repair@ yahoogroups. com, "Pi" <3.141592p@. ..> wrote:
>
> I didn't get that mail.
> Testimonials ? ..... I wouldn't mind but, about what exactly?
>
> Carl.-
>
> ----- Original Message -----
> From: puttbug@...
> To: credit-repair@ yahoogroups. com
> Sent: 06-18-08 11:01
> Subject: Re: [credit-repair] Re: Testimonials
>
>
> me too!
>
>
>
> Lynne Reed
>
>
> -----Original Message-----
> From: palmettolawgirl <Irishgirl88@ ...>
> To: credit-repair@ yahoogroups. com
> Sent: Tue, 17 Jun 2008 2:29 pm
> Subject: [credit-repair] Re: Testimonials
>
>
> Hey Smurf,
>
> I am sorry. I never saw this posting! I will sene a testimonial
to
> you. give me a few days to write it.
>
> Palmettolawgirl
>
> --- In credit-repair@ yahoogroups. com, "Pat Hicks" <jphicks@>
wrote:
> >
> > Hey!! Damnit, you guys have been helped for free by Smurf for a
> long, long
> > time and in some cases (according to what you said in the
forum) it
> has
> > helped to TURN YOUR LIFE AROUND. Now, she has asked for your
help
> and ONE
> > person responded. You guys oughta be ashamed of yourselves. If
she
> has
> > helped you, take a minute and send an email to her saying so.
She
> deserves
> > it.
> >
> >
> >
> > _____
> >
> > From: credit-repair@ yahoogroups. com [mailto:credit-
> repair@yahoogroups. com]
> > On Behalf Of smurfhandy
> > Sent: Friday, June 06, 2008 7:14 PM
> > To: Credit Yahoo
> > Subject: [credit-repair] Testimonials
> >
> >
> >
> > Hey everyone..
> >
> >
> >
> > I am looking into doing some volunteer work involving
> credit/collections. I
> > would like to submit some testimonials along with my proposals.
> >
> >
> >
> > I would really appreciate any testimonials you can give me. I
> don't want
> > anyone to lie or make things up LOL ..
> >
> >
> >
> > Thanks
> >
> >
> >
> > Smurfy
> >
>
>
>
> ------------ --------- --------- --------- --------- --------- -
----------
> Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!
>

__,_._,___

Re: [credit-repair] Re: Testimonials

2008-06-20T19:31:00.000-07:00

Daisy: wife to Eric,

Mom to Adayla, Braydon, Colton, and Faythe

--- On Fri, 6/20/08, palmettolawgirl <Irishgirl88@hotmail.com> wrote:

From: palmettolawgirl <Irishgirl88@hotmail.com>
Subject: [credit-repair] Re: Testimonials
To: credit-repair@yahoogroups.com
Date: Friday, June 20, 2008, 3:45 PM

It's for Smurf! She's volunteering her expertise in our forum and
needs some testimonials of her advice whether they helped out etc.

--- In credit-repair@ yahoogroups. com, "Pi" <3.141592p@. ..> wrote:
>
> I didn't get that mail.
> Testimonials ? ..... I wouldn't mind but, about what exactly?
>
> Carl.-
>
> ----- Original Message -----
> From: puttbug@...
> To: credit-repair@ yahoogroups. com
> Sent: 06-18-08 11:01
> Subject: Re: [credit-repair] Re: Testimonials
>
>
> me too!
>
>
>
> Lynne Reed
>
>
> -----Original Message-----
> From: palmettolawgirl <Irishgirl88@ ...>
> To: credit-repair@ yahoogroups. com
> Sent: Tue, 17 Jun 2008 2:29 pm
> Subject: [credit-repair] Re: Testimonials
>
>
> Hey Smurf,
>
> I am sorry. I never saw this posting! I will sene a testimonial
to
> you. give me a few days to write it.
>
> Palmettolawgirl
>
> --- In credit-repair@ yahoogroups. com, "Pat Hicks" <jphicks@>
wrote:
> >
> > Hey!! Damnit, you guys have been helped for free by Smurf for a
> long, long
> > time and in some cases (according to what you said in the
forum) it
> has
> > helped to TURN YOUR LIFE AROUND. Now, she has asked for your
help
> and ONE
> > person responded. You guys oughta be ashamed of yourselves. If
she
> has
> > helped you, take a minute and send an email to her saying so.
She
> deserves
> > it.
> >
> >
> >
> > _____
> >
> > From: credit-repair@ yahoogroups. com [mailto:credit-
> repair@yahoogroups. com]
> > On Behalf Of smurfhandy
> > Sent: Friday, June 06, 2008 7:14 PM
> > To: Credit Yahoo
> > Subject: [credit-repair] Testimonials
> >
> >
> >
> > Hey everyone..
> >
> >
> >
> > I am looking into doing some volunteer work involving
> credit/collections. I
> > would like to submit some testimonials along with my proposals.
> >
> >
> >
> > I would really appreciate any testimonials you can give me. I
> don't want
> > anyone to lie or make things up LOL ..
> >
> >
> >
> > Thanks
> >
> >
> >
> > Smurfy
> >
>
>
>
> ------------ --------- --------- --------- --------- --------- -
----------
> Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!
>

__,_._,___

[credit-repair] Re: Can Original Creditors still furnish information to....

2008-06-20T13:48:00.000-07:00

MsLdy,

The original creditor wrote me back again. They stated that
this "acceptance certificate" was the application. But, it's not my
signature and the invoices were paid with money orders. They sent me
copies of money orders! My credit bureau clearly states there is a
fraud alert and that I am to be contacted before any credit is
extended. They obviously didn't check a credit record before
approving this otherwise they would have known the telephone number
indicated on the application was not mine. What do I do?

--- In credit-repair@yahoogroups.com, "msldystrkr" <randi@...> wrote:
>
> >> But I am still questioning what a CRA can do to
> fulfill a "reasonable investigation" without imposing on the
creditor
> and/or debtor.<<
>
> Why are you questioning this... not your responsibility as a
consumer
> to come up with excuses as to why the CRA is leaving inaccurate
> information on your CR when you have already notified them that it
is
> indeed inaccurate.
>
> If you are litigating this issue then I still don't understand why
you
> would. The FCRA is clear - they must investigate your claims and
then
> either adjust the reporting to reflect accurately or delete. This
is
> not rocket science. They are then given a second shot through
> reinvestigation. A simple laid out plan for the consumer.
>
> > But I will look into this argument....just another tool I can use
to
> > fight with these idiots. Had you been successful using this
against
> >them?
>
> Yes I have. Success rate is 100%.
>
> Now remember that the consumer has to have the evidence to show the
> item is reporting correctly and that they have notified the CRA at
> least once or twice.
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
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<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

[credit-repair] Re: Testimonials

2008-06-20T13:45:00.000-07:00

It's for Smurf! She's volunteering her expertise in our forum and
needs some testimonials of her advice whether they helped out etc.

--- In credit-repair@yahoogroups.com, "Pi" <3.141592p@...> wrote:
>
> I didn't get that mail.
> Testimonials ? ..... I wouldn't mind but, about what exactly?
>
> Carl.-
>
> ----- Original Message -----
> From: puttbug@...
> To: credit-repair@yahoogroups.com
> Sent: 06-18-08 11:01
> Subject: Re: [credit-repair] Re: Testimonials
>
>
> me too!
>
>
>
> Lynne Reed
>
>
> -----Original Message-----
> From: palmettolawgirl <Irishgirl88@...>
> To: credit-repair@yahoogroups.com
> Sent: Tue, 17 Jun 2008 2:29 pm
> Subject: [credit-repair] Re: Testimonials
>
>
> Hey Smurf,
>
> I am sorry. I never saw this posting! I will sene a testimonial
to
> you. give me a few days to write it.
>
> Palmettolawgirl
>
> --- In credit-repair@yahoogroups.com, "Pat Hicks" <jphicks@>
wrote:
> >
> > Hey!! Damnit, you guys have been helped for free by Smurf for a
> long, long
> > time and in some cases (according to what you said in the
forum) it
> has
> > helped to TURN YOUR LIFE AROUND. Now, she has asked for your
help
> and ONE
> > person responded. You guys oughta be ashamed of yourselves. If
she
> has
> > helped you, take a minute and send an email to her saying so.
She
> deserves
> > it.
> >
> >
> >
> > _____
> >
> > From: credit-repair@yahoogroups.com [mailto:credit-
> repair@yahoogroups.com]
> > On Behalf Of smurfhandy
> > Sent: Friday, June 06, 2008 7:14 PM
> > To: Credit Yahoo
> > Subject: [credit-repair] Testimonials
> >
> >
> >
> > Hey everyone..
> >
> >
> >
> > I am looking into doing some volunteer work involving
> credit/collections. I
> > would like to submit some testimonials along with my proposals.
> >
> >
> >
> > I would really appreciate any testimonials you can give me. I
> don't want
> > anyone to lie or make things up LOL ..
> >
> >
> >
> > Thanks
> >
> >
> >
> > Smurfy
> >
>
>
>
> --------------------------------------------------------------------
----------
> Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

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<*> Your use of Yahoo! Groups is subject to:

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[credit-repair] Re: SMURF-Creditor claims reinvestigation pending when first hasn't been answered

2008-06-20T09:24:00.000-07:00

Who and how should I address this to in order to get it deleted?

THANK YOU SMURF!!!

--- In credit-repair@yahoogroups.com, "smurfhandy" <smurfhandy@...>
wrote:
>
> The cra must verify . or not ..
>
>
>
> Has everything currently outstanding run its course?
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of palmettolawgirl
> Sent: Tuesday, June 17, 2008 5:34 PM
> To: credit-repair@yahoogroups.com
> Subject: [credit-repair] SMURF-Creditor claims reinvestigation
pending when
> first hasn't been answered
>
>
>
> Both. I sent letters to the CRA and disputes to the CA with no
luck.
> When I sent the letter to the CRA they just notified the CA I was
> disputing and that's when the second investigation started. But,
the
> CA never answered the first dispute so how can they report a second
> investigation is underway? Plus, the CRA ignored my evidence that
the
> first investigation was already requested and no proof had been
given
> back to me.
>
> What do I do to get these off my bureaus? It's been more than
thirty
> days with no word. I did however recieve a letter stating the debts
> were on hold but they are still reporting them as collections. I
hope
> this made sense.
>
> --- In credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com, "smurfhandy" <smurfhandy@>
> wrote:
> >
> > I don't know what you have done . did you dispute directly with
> the CA
> > under FDCPA or with the CRA under FCRA?
> >
> >
> >
> > _____
> >
> > From: credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com [mailto:credit-
> repair@yahoogroups. <mailto:repair%40yahoogroups.com> com]
> > On Behalf Of palmettolawgirl
> > Sent: Friday, June 13, 2008 9:16 AM
> > To: credit-repair@ <mailto:credit-repair%40yahoogroups.com>
> yahoogroups.com
> > Subject: [credit-repair] SMURF-Creditor claims reinvestigation
> pending when
> > first hasn't been answered
> >
> >
> >
> > CA is reporting on bureau that a reinvestigation is pending on
the
> > accounts I disputed. They never answered the first dispute and in
> two
> > days 30 days will have passed. How can they be re-investigating?
> >
> > What do I do? Any case law or FDCPA or FCRA codes would be
helpful
> here
> > as well. I'm also preparing my complaint for small claims as well.
> >
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

RE: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

2008-06-20T02:24:00.000-07:00

The cra must verify … or not ….

Has everything currently outstanding run its course?

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of palmettolawgirl
Sent: Tuesday, June 17, 2008 5:34 PM
To: credit-repair@yahoogroups.com
Subject: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

Both. I sent letters to the CRA and disputes to the CA with no luck.
When I sent the letter to the CRA they just notified the CA I was
disputing and that's when the second investigation started. But, the
CA never answered the first dispute so how can they report a second
investigation is underway? Plus, the CRA ignored my evidence that the
first investigation was already requested and no proof had been given
back to me.

What do I do to get these off my bureaus? It's been more than thirty
days with no word. I did however recieve a letter stating the debts
were on hold but they are still reporting them as collections. I hope
this made sense.

--- In credit-repair@yahoogroups.com, "smurfhandy" <smurfhandy@...>
wrote:
>
> I don't know what you have done . did you dispute directly with
the CA
> under FDCPA or with the CRA under FCRA?
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of palmettolawgirl
> Sent: Friday, June 13, 2008 9:16 AM
> To: credit-repair@yahoogroups.com
> Subject: [credit-repair] SMURF-Creditor claims reinvestigation
pending when
> first hasn't been answered
>
>
>
> CA is reporting on bureau that a reinvestigation is pending on the
> accounts I disputed. They never answered the first dispute and in
two
> days 30 days will have passed. How can they be re-investigating?
>
> What do I do? Any case law or FDCPA or FCRA codes would be helpful
here
> as well. I'm also preparing my complaint for small claims as well.
>

__,_._,___

RE: [credit-repair] Facts on FACTA Help Smurf please help!

2008-06-20T02:22:00.000-07:00

That really is on a case by case basis.

If you disputed the amount of the debt then proper validation would be an accounting.

If you disputed that you owed the debt then they would need to provide something showing the identity of the debtor.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of jcross46
Sent: Monday, June 16, 2008 7:04 AM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Facts on FACTA Help Smurf please help!

Being fairly new on this forum, you probably answered this already many
times.

What is considered proper validation from the creditor?

I have heard there are several court cases that established this but
haven't been able to locate any of them.

__,_._,___

[credit-repair] Re: Testimonials

2008-06-18T19:42:00.000-07:00

If Smurf has helped you, just say so and tell what she did to help, and why you think she good at this stuff. Pretty simple. Not BS, just honest opinion. Your testimonials will be used to show others that she is a good person and good at this.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of Pi
Sent: Wednesday, June 18, 2008 3:02 PM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Re: Testimonials

I didn't get that mail.

Testimonials ? ..... I wouldn't mind but, about what exactly?

Carl.-

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: 06-18-08 11:01

Subject: Re: [credit-repair] Re: Testimonials

me too!

Lynne Reed

-----Original Message-----
From: palmettolawgirl <Irishgirl88@hotmail.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 17 Jun 2008 2:29 pm
Subject: [credit-repair] Re: Testimonials

Hey Smurf,

I am sorry. I never saw this posting! I will sene a testimonial to
you. give me a few days to write it.

Palmettolawgirl

--- In credit-repair@yahoogroups.com, "Pat Hicks" <jphicks@...> wrote:
>
> Hey!! Damnit, you guys have been helped for free by Smurf for a
long, long
> time and in some cases (according to what you said in the forum) it
has
> helped to TURN YOUR LIFE AROUND. Now, she has asked for your help
and ONE
> person responded. You guys oughta be ashamed of yourselves. If she
has
> helped you, take a minute and send an email to her saying so. She
deserves
> it.
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of smurfhandy
> Sent: Friday, June 06, 2008 7:14 PM
> To: Credit Yahoo
> Subject: [credit-repair] Testimonials
>
>
>
> Hey everyone..
>
>
>
> I am looking into doing some volunteer work involving
credit/collections. I
> would like to submit some testimonials along with my proposals.
>
>
>
> I would really appreciate any testimonials you can give me. I
don't want
> anyone to lie or make things up LOL ..
>
>
>
> Thanks
>
>
>
> Smurfy
>

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

__,_._,___

Re: [credit-repair] Re: Testimonials

2008-06-18T13:02:00.000-07:00

I didn't get that mail.

Testimonials ? ..... I wouldn't mind but, about what exactly?

Carl.-

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: 06-18-08 11:01

Subject: Re: [credit-repair] Re: Testimonials

me too!

Lynne Reed

-----Original Message-----
From: palmettolawgirl <Irishgirl88@hotmail.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 17 Jun 2008 2:29 pm
Subject: [credit-repair] Re: Testimonials

Hey Smurf,

I am sorry. I never saw this posting! I will sene a testimonial to
you. give me a few days to write it.

Palmettolawgirl

--- In credit-repair@yahoogroups.com, "Pat Hicks" <jphicks@...> wrote:
>
> Hey!! Damnit, you guys have been helped for free by Smurf for a
long, long
> time and in some cases (according to what you said in the forum) it
has
> helped to TURN YOUR LIFE AROUND. Now, she has asked for your help
and ONE
> person responded. You guys oughta be ashamed of yourselves. If she
has
> helped you, take a minute and send an email to her saying so. She
deserves
> it.
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of smurfhandy
> Sent: Friday, June 06, 2008 7:14 PM
> To: Credit Yahoo
> Subject: [credit-repair] Testimonials
>
>
>
> Hey everyone..
>
>
>
> I am looking into doing some volunteer work involving
credit/collections. I
> would like to submit some testimonials along with my proposals.
>
>
>
> I would really appreciate any testimonials you can give me. I
don't want
> anyone to lie or make things up LOL ..
>
>
>
> Thanks
>
>
>
> Smurfy
>

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

__,_._,___

Re: [credit-repair] Re: Testimonials

2008-06-18T09:01:00.000-07:00

me too!

Lynne Reed

-----Original Message-----
From: palmettolawgirl <Irishgirl88@hotmail.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 17 Jun 2008 2:29 pm
Subject: [credit-repair] Re: Testimonials

Hey Smurf,

I am sorry. I never saw this posting! I will sene a testimonial to
you. give me a few days to write it.

Palmettolawgirl

--- In credit-repair@yahoogroups.com, "Pat Hicks" <jphicks@...> wrote:
>
> Hey!! Damnit, you guys have been helped for free by Smurf for a
long, long
> time and in some cases (according to what you said in the forum) it
has
> helped to TURN YOUR LIFE AROUND. Now, she has asked for your help
and ONE
> person responded. You guys oughta be ashamed of yourselves. If she
has
> helped you, take a minute and send an email to her saying so. She
deserves
> it.
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of smurfhandy
> Sent: Friday, June 06, 2008 7:14 PM
> To: Credit Yahoo
> Subject: [credit-repair] Testimonials
>
>
>
> Hey everyone..
>
>
>
> I am looking into doing some volunteer work involving
credit/collections. I
> would like to submit some testimonials along with my proposals.
>
>
>
> I would really appreciate any testimonials you can give me. I
don't want
> anyone to lie or make things up LOL ..
>
>
>
> Thanks
>
>
>
> Smurfy
>

Get the Moviefone Toolbar. Showtimes, theaters, movie news, & more!

__,_._,___

Re: [credit-repair] Credit Cards

2008-06-18T06:39:00.000-07:00

Don;t know, just learned my score is 680 and can finally relax a little;

Michael

puttbug@aol.com wrote:

do you know if they do a hard pull on all three bureaus when they approve you? I know with HSBC, they pulled only from Experian.

Lynne Reed

-----Original Message-----
From: Michael <silver_tongued_one@yahoo.com>
To: credit-repair@yahoogroups.com
Sent: Mon, 16 Jun 2008 7:33 pm
Subject: Re: [credit-repair] Credit Cards

I recommend WAMU, I love them because you get sent notifications for free when your score goes up or down 20 points; again, no extra fee,

puttbug@aol.com wrote:

I read thru their application and because I already have two HSBC credit cards, I already have the maximum number of accounts allowed with HSBC.

Does anyone recommend another one besides, HSBC, First Premier MC, Tribute, Salute? Just curious.

Thanks!

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:05 pm
Subject: Re: [credit-repair] Credit Cards

Ã¯Â»Â¿
Orchard bank classic is the easiest to get approved for. you can see that one at http://creditcardwarehouseonline.com or you can go to http://creditcardwarehouse.ecreditdirectory.com/issuers/hsbc They have all three cards that orchard puts out.

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Friday, June 13, 2008 5:47 PM

Subject: Re: [credit-repair] Credit Cards

Well, the reason I asked is I have been thinking about applying for the Orchard Bank credit card. They have a few different ones, does anyone on the list have an Orchard card? If so, which one is the best to apply for?

And how many points if you get declined does your score go down?

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:13 am
Subject: Re: [credit-repair] Credit Cards

That is not true. That only counts for mortgages and car loans, not credit cards. Credits card count individually.

----- Original Message -----

From: smurfhandy

To: credit-repair@yahoogroups.com

Sent: Thursday, June 12, 2008 11:20 PM

Subject: RE: [credit-repair] Credit Cards

Yes but if you apply for many within a certain period of time they all only count as one inquiry.

Many people take a weekend and go on an Ã¢â¬Å"application spreeÃ¢â¬Â online for just this reason.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of Bryce Keller
Sent: Thursday, June 12, 2008 8:07 AM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Credit Cards

I dont think it drops at all if you apply for one and get declined, however if you apply for mutiple 3 or more you might see a few point drop, prob 5 for multiple inquiries.,

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Wednesday, June 11, 2008 5:56 PM

Subject: Re: [credit-repair] Re: Credit Cards

Do you know how many points your credit scores drop per each bureau if you are declined a credit card?

Lynne Reed

-----Original Message-----
From: msldystrkr <randi@randyanne.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 10 Jun 2008 5:35 am
Subject: [credit-repair] Re: Credit Cards

>> Orchard, First premier. credit one, salute, aspen... to name a few.
Probably would go with the Orchard to start. you can see first
premier and orchard card at http://creditcardwarehouseonline.com <<

Be careful of some of these cards - they are sub prime bottom feeders
with excessive high rates and fees.

Try Orchard, Cap One and especially the $99/500 BofA deal. If you can
not qualify for at least one of these 3 then be very careful of any
card that is going to charge you $175 for a $200 line.....

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

__,_._,___

[credit-repair] Re: SMURF-Creditor claims reinvestigation pending when first hasn't been answered

2008-06-17T14:34:00.000-07:00

What do I do to get these off my bureaus? It's been more than thirty
days with no word. I did however recieve a letter stating the debts
were on hold but they are still reporting them as collections. I hope
this made sense.

--- In credit-repair@yahoogroups.com, "smurfhandy" <smurfhandy@...>
wrote:
>
> I don't know what you have done . did you dispute directly with
the CA
> under FDCPA or with the CRA under FCRA?
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of palmettolawgirl
> Sent: Friday, June 13, 2008 9:16 AM
> To: credit-repair@yahoogroups.com
> Subject: [credit-repair] SMURF-Creditor claims reinvestigation
pending when
> first hasn't been answered
>
>
>
> CA is reporting on bureau that a reinvestigation is pending on the
> accounts I disputed. They never answered the first dispute and in
two
> days 30 days will have passed. How can they be re-investigating?
>
> What do I do? Any case law or FDCPA or FCRA codes would be helpful
here
> as well. I'm also preparing my complaint for small claims as well.
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

[credit-repair] Re: Testimonials

2008-06-17T14:29:00.000-07:00

Hey Smurf,

I am sorry. I never saw this posting! I will sene a testimonial to
you. give me a few days to write it.

Palmettolawgirl

--- In credit-repair@yahoogroups.com, "Pat Hicks" <jphicks@...> wrote:
>
> Hey!! Damnit, you guys have been helped for free by Smurf for a
long, long
> time and in some cases (according to what you said in the forum) it
has
> helped to TURN YOUR LIFE AROUND. Now, she has asked for your help
and ONE
> person responded. You guys oughta be ashamed of yourselves. If she
has
> helped you, take a minute and send an email to her saying so. She
deserves
> it.
>
>
>
> _____
>
> From: credit-repair@yahoogroups.com [mailto:credit-
repair@yahoogroups.com]
> On Behalf Of smurfhandy
> Sent: Friday, June 06, 2008 7:14 PM
> To: Credit Yahoo
> Subject: [credit-repair] Testimonials
>
>
>
> Hey everyone..
>
>
>
> I am looking into doing some volunteer work involving
credit/collections. I
> would like to submit some testimonials along with my proposals.
>
>
>
> I would really appreciate any testimonials you can give me. I
don't want
> anyone to lie or make things up LOL ..
>
>
>
> Thanks
>
>
>
> Smurfy
>

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

Re: [credit-repair] Credit Cards

2008-06-17T13:19:00.000-07:00

do you know if they do a hard pull on all three bureaus when they approve you? I know with HSBC, they pulled only from Experian.

Lynne Reed

-----Original Message-----
From: Michael <silver_tongued_one@yahoo.com>
To: credit-repair@yahoogroups.com
Sent: Mon, 16 Jun 2008 7:33 pm
Subject: Re: [credit-repair] Credit Cards

I recommend WAMU, I love them because you get sent notifications for free when your score goes up or down 20 points; again, no extra fee,

puttbug@aol.com wrote:

I read thru their application and because I already have two HSBC credit cards, I already have the maximum number of accounts allowed with HSBC.

Does anyone recommend another one besides, HSBC, First Premier MC, Tribute, Salute? Just curious.

Thanks!

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:05 pm
Subject: Re: [credit-repair] Credit Cards

ï»¿
Orchard bank classic is the easiest to get approved for. you can see that one at http://creditcardwarehouseonline.com or you can go to http://creditcardwarehouse.ecreditdirectory.com/issuers/hsbc They have all three cards that orchard puts out.

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Friday, June 13, 2008 5:47 PM

Subject: Re: [credit-repair] Credit Cards

Well, the reason I asked is I have been thinking about applying for the Orchard Bank credit card. They have a few different ones, does anyone on the list have an Orchard card? If so, which one is the best to apply for?

And how many points if you get declined does your score go down?

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:13 am
Subject: Re: [credit-repair] Credit Cards

That is not true. That only counts for mortgages and car loans, not credit cards. Credits card count individually.

----- Original Message -----

From: smurfhandy

To: credit-repair@yahoogroups.com

Sent: Thursday, June 12, 2008 11:20 PM

Subject: RE: [credit-repair] Credit Cards

Yes but if you apply for many within a certain period of time they all only count as one inquiry.

Many people take a weekend and go on an â€œapplication spreeâ€ online for just this reason.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of Bryce Keller
Sent: Thursday, June 12, 2008 8:07 AM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Credit Cards

I dont think it drops at all if you apply for one and get declined, however if you apply for mutiple 3 or more you might see a few point drop, prob 5 for multiple inquiries.,

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Wednesday, June 11, 2008 5:56 PM

Subject: Re: [credit-repair] Re: Credit Cards

Do you know how many points your credit scores drop per each bureau if you are declined a credit card?

Lynne Reed

-----Original Message-----
From: msldystrkr <randi@randyanne.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 10 Jun 2008 5:35 am
Subject: [credit-repair] Re: Credit Cards

>> Orchard, First premier. credit one, salute, aspen... to name a few.
Probably would go with the Orchard to start. you can see first
premier and orchard card at http://creditcardwarehouseonline.com <<

Be careful of some of these cards - they are sub prime bottom feeders
with excessive high rates and fees.

Try Orchard, Cap One and especially the $99/500 BofA deal. If you can
not qualify for at least one of these 3 then be very careful of any
card that is going to charge you $175 for a $200 line.....

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

Get the Moviefone Toolbar. Showtimes, theaters, movie news, & more!

__,_._,___

[credit-repair] Mortgage/Foreclosure HELP-1 week away(6/24) Register now!Spread the Word

2008-06-17T07:36:00.000-07:00

Mortgage/Foreclosure HELP-1 week away(6/24)– Register now!Spread the Word

As a reminder the OU seminar on mortgages and foreclosures, held in
the privacy of your home/office computer is still accepting applicant
for registration. All we need is your name and e mail address, so we
can send you reminders of the June 24th event, to be held via the web
at 6-8 P.M. We do not need any other information. If this does not
apply to you please inform those people who need help in this matter.
It is all private, confidential and discreet. Help those who need it
the most by telling them about this event and how they can get
practical down to earth tips to avoid foreclosure/mortgage default or
if they are already there where to go and what to do to help you in
this situation. We have 3 experts in the field waiting to help YOU,
now please help yourself to their services provided and hosted by the
OU Job Board register now at www.ou.org/jobs or e mail jobs@ou.org.

The OU Job Board has listed new summer jobs in the past few days. If
you or your children are looking for summer jobs please go to
www.ou.org/jobs and from the drop down category select summer jobs to
see what is available. These jobs move out ASAP and only last 24-48
hours so please see what is available NOW

Do you have summer jobs available? Intern jobs waiting to be filled?
Please help our community youth find meaningful employment by sending
your jobs to us. We will list them ASAP. All we need is location,
description and contact method and we will post these jobs. Please
send all your jobs to jobs@ou.org. Please help our community.

Michael Rosner
Director
OU Job Board-"Changing your life-forever"
rosnerm@ou.org or jobs@ou.org

------------------------------------

******* LOOK HERE, IMPORTANT INFO ******* >>>>>>>

<*> Electronic Credit Repair Kit(tm): http://mix6.com/credit

<*> To post a message, e-mail: credit-repair@yahoogroups.com

<*> Legal Credit Repair: http://FreeCreditFix.info/lcr/ or 800.829.5137

<*> Credit Repair Service: http://FreeCreditFix.Info/cr/

<*> Sample letters:

http://groups.yahoo.com/group/credit-repair/files/Letters

<*> Free credit reports: http://mix6.com/credit/freeCR.html

<<<<<<< ******* LOOK HERE, IMPORTANT INFO *******Yahoo! Groups Links

<*> To visit your group on the web, go to:

http://groups.yahoo.com/group/credit-repair/

<*> Your email settings:
Individual Email | Traditional

<*> To change settings online go to:

http://groups.yahoo.com/group/credit-repair/join

(Yahoo! ID required)

<*> Your use of Yahoo! Groups is subject to:

http://docs.yahoo.com/info/terms/

Re: [credit-repair] Credit Cards

2008-06-16T19:33:00.000-07:00

I recommend WAMU, I love them because you get sent notifications for free when your score goes up or down 20 points; again, no extra fee,

puttbug@aol.com wrote:

I read thru their application and because I already have two HSBC credit cards, I already have the maximum number of accounts allowed with HSBC.

Does anyone recommend another one besides, HSBC, First Premier MC, Tribute, Salute? Just curious.

Thanks!

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:05 pm
Subject: Re: [credit-repair] Credit Cards

ï»¿
Orchard bank classic is the easiest to get approved for. you can see that one at http://creditcardwarehouseonline.com or you can go to http://creditcardwarehouse.ecreditdirectory.com/issuers/hsbc They have all three cards that orchard puts out.

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Friday, June 13, 2008 5:47 PM

Subject: Re: [credit-repair] Credit Cards

Well, the reason I asked is I have been thinking about applying for the Orchard Bank credit card. They have a few different ones, does anyone on the list have an Orchard card? If so, which one is the best to apply for?

And how many points if you get declined does your score go down?

Lynne Reed

-----Original Message-----
From: Bryce Keller <brycek88@comcast.net>
To: credit-repair@yahoogroups.com
Sent: Fri, 13 Jun 2008 5:13 am
Subject: Re: [credit-repair] Credit Cards

That is not true. That only counts for mortgages and car loans, not credit cards. Credits card count individually.

----- Original Message -----

From: smurfhandy

To: credit-repair@yahoogroups.com

Sent: Thursday, June 12, 2008 11:20 PM

Subject: RE: [credit-repair] Credit Cards

Yes but if you apply for many within a certain period of time they all only count as one inquiry.

Many people take a weekend and go on an âapplication spreeâ online for just this reason.

From: credit-repair@yahoogroups.com [mailto:credit-repair@yahoogroups.com] On Behalf Of Bryce Keller
Sent: Thursday, June 12, 2008 8:07 AM
To: credit-repair@yahoogroups.com
Subject: Re: [credit-repair] Credit Cards

I dont think it drops at all if you apply for one and get declined, however if you apply for mutiple 3 or more you might see a few point drop, prob 5 for multiple inquiries.,

----- Original Message -----

From: puttbug@aol.com

To: credit-repair@yahoogroups.com

Sent: Wednesday, June 11, 2008 5:56 PM

Subject: Re: [credit-repair] Re: Credit Cards

Do you know how many points your credit scores drop per each bureau if you are declined a credit card?

Lynne Reed

-----Original Message-----
From: msldystrkr <randi@randyanne.com>
To: credit-repair@yahoogroups.com
Sent: Tue, 10 Jun 2008 5:35 am
Subject: [credit-repair] Re: Credit Cards

>> Orchard, First premier. credit one, salute, aspen... to name a few.
Probably would go with the Orchard to start. you can see first
premier and orchard card at http://creditcardwarehouseonline.com <<

Be careful of some of these cards - they are sub prime bottom feeders
with excessive high rates and fees.

Try Orchard, Cap One and especially the $99/500 BofA deal. If you can
not qualify for at least one of these 3 then be very careful of any
card that is going to charge you $175 for a $200 line.....

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

Get the Moviefone Toolbar. Showtimes, theaters, movie news, more!

__,_._,___

going to better

Credit Secrets: RAISING THOUSANDS IN A MATTER OF DAYS.

Re: [credit-repair] Re: Paying of a Charge Off !!

RE: [credit-repair] Paying of a Charge Off !!

RE: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

RE: [credit-repair] Can Original Creditors still furnish information to....

[credit-repair] Re: Paying of a Charge Off !!

Re: [credit-repair] Paying of a Charge Off !!

[credit-repair] Paying of a Charge Off !!

[credit-repair] Re: Can Original Creditors still furnish information to....

RE: [credit-repair] Re: Testimonials

Re: [credit-repair] Re: Testimonials

[credit-repair] Re: Can Original Creditors still furnish information to....

[credit-repair] Re: Testimonials

[credit-repair] Re: SMURF-Creditor claims reinvestigation pending when first hasn't been answered

RE: [credit-repair] SMURF-Creditor claims reinvestigation pending when first hasn't been answered

RE: [credit-repair] Facts on FACTA Help Smurf please help!

[credit-repair] Re: Testimonials

Re: [credit-repair] Re: Testimonials

Re: [credit-repair] Re: Testimonials

Re: [credit-repair] Credit Cards

[credit-repair] Re: SMURF-Creditor claims reinvestigation pending when first hasn't been answered

[credit-repair] Re: Testimonials

Re: [credit-repair] Credit Cards

[credit-repair] Mortgage/Foreclosure HELP-1 week away(6/24) Register now!Spread the Word

Re: [credit-repair] Credit Cards

[credit-repair] Mortgage/Foreclosure HELP-1 week away(6/24) Register now!Spread the Word