Credit Karma...

[D. Lil]

I love GOOD debt. To achieve this, high credit scores are essential!

[David]

I love debt.

[sosoe]

Totally debt free, including house. If we don't like being debt free, we can easily go back in to debt.

Fucking NOICE..

I just need my house to be paid off and ill be debt free..
Till then, ill be a slave..

[TexasDevilDog]

Totally debt free, including house. If we don't like being debt free, we can easily go back in to debt.

[paul_376]

Bump

[chronical]

Good Info !!! Thanks

Your welcome.

[HECDOGGIE]

It can be regional and/or lender specific. For example, Amex will only pull Experian no matter where you live. Ge bank almost always pulls Transunion. Discover is Transunion and/or equifax ( 99% sure in that one).
Here http://creditboards.com/forums/index...om=creditpulls you can search by state, score needed, or by cra to find who pulls what. This helps to avoid apps that would be turned down or if you have one score that is stronger than the others, you can target the lenders that pull that bureau. There is no reason why folks should have to apply blindly and cross their fingers

Good Info !!! Thanks

[chronical]

is there one score that lenders lean towards more than another ?
MY CU said they only report to one, however, all three share info ?

It can be regional and/or lender specific. For example, Amex will only pull Experian no matter where you live. Ge bank almost always pulls Transunion. Discover is Transunion and/or equifax ( 99% sure in that one).
Here http://creditboards.com/forums/index...om=creditpulls you can search by state, score needed, or by cra to find who pulls what. This helps to avoid apps that would be turned down or if you have one score that is stronger than the others, you can target the lenders that pull that bureau. There is no reason why folks should have to apply blindly and cross their fingers

[HECDOGGIE]

is there one score that lenders lean towards more than another ?
MY CU said they only report to one, however, all three share info ?

[jluv]

Jluv. http://whychat.5u.com

If you post in the medical collections your own running thread, whychat's will guide step by step on what to do. It's basis is simple, a collection agency doesn't have rights to your medical information (hipaa) unless there is an outstanding debt. There is a ton of info and it's best to address one issue at a time so you should only read in the medical collections forum. Start a thread and don't do anything until whychat gives you the thumbs up. He will go step by step and won't be annoyed by tons of questions. Quite the opposite. If you rush forward and jack it up, he'll wonder why you didn't confirm with him first

Awesome, thanks!

[chronical]

Jluv. http://whychat.5u.com

If you post in the medical collections your own running thread, whychat's will guide step by step on what to do. It's basis is simple, a collection agency doesn't have rights to your medical information (hipaa) unless there is an outstanding debt. There is a ton of info and it's best to address one issue at a time so you should only read in the medical collections forum. Start a thread and don't do anything until whychat gives you the thumbs up. He will go step by step and won't be annoyed by tons of questions. Quite the opposite. If you rush forward and jack it up, he'll wonder why you didn't confirm with him first

[chronical]

I tried to go on creditboards.com to learn some of these tricks, and there is just so much damn info there, it was overwhelming. It was like trying to get a sip of water through a fire hose.

I use myfico.com, and it costs me about $15/month. I don't mind paying that to know it's accurate.

My score is decent (over 700), but I want it to be excellent as soon as possible. I'm very close to being 100% debt free, with several open accounts that I rarely or never use. I'm not planning to open any new credit any time soon. I naively opened a new account with 0% on transfers a few months ago and moved some of my debt over to that to save interest. I already paid it off, and I should have just kept it where it was, because it brought my average credit age down, probably costing me some points. I learned that too late. The only other negatives on there are two small medical collections that I would gladly pay if I knew they could be easily removed afterwards. Both I disagree with, and already disputed online with the bureaus, but that didn't work. Do you happen to have a link directly to some straightforward advice on this, specifically the medical thing?

Thanks in advance!

Yes it's called whychat's method. I'll get you a link

[chronical]

I prefer to show people the good O "pay for delete" or a "validation" letter if in a collection status.

http://aaacreditguide.net/credit-repair-letters/pay-for-delete-letters/

Here are some sample letters as well...

http://www.creditinfocenter.com/forms/

Validations are great. Most people don't know that Texas has some of the most consumer friendly laws on the nation. If a jdb bought a debt for pennies on the dollar, and can't validate the debt, they have no business attempting to collect on it.
Pay for deletes are good too as long as it's in writing. A collection company will lie about anything to get you to pay and the payment is the only leverage a consumer has to negotiate a delete.

[jluv]

while not overly complicated, some of the processes are pretty specific. For an example, you can use hipaa to get a medical collection off after you pay it.

Plus using the right technique. A blanket "wasn't mine" or "never late" can cause more harm than good. I'm not saying that doesn't work sometimes either

I tried to go on creditboards.com to learn some of these tricks, and there is just so much damn info there, it was overwhelming. It was like trying to get a sip of water through a fire hose.

I use myfico.com, and it costs me about $15/month. I don't mind paying that to know it's accurate.

My score is decent (over 700), but I want it to be excellent as soon as possible. I'm very close to being 100% debt free, with several open accounts that I rarely or never use. I'm not planning to open any new credit any time soon. I naively opened a new account with 0% on transfers a few months ago and moved some of my debt over to that to save interest. I already paid it off, and I should have just kept it where it was, because it brought my average credit age down, probably costing me some points. I learned that too late. The only other negatives on there are two small medical collections that I would gladly pay if I knew they could be easily removed afterwards. Both I disagree with, and already disputed online with the bureaus, but that didn't work. Do you happen to have a link directly to some straightforward advice on this, specifically the medical thing?

Thanks in advance!

[stangin4lyfe]

This is the basic idea but there are systematic ways to do it and keep record if it. Plus using the right technique. A blanket "wasn't mine" or "never late" can cause more harm than good. I'm not saying that doesn't work sometimes either

I prefer to show people the good O "pay for delete" or a "validation" letter if in a collection status.

http://aaacreditguide.net/credit-repair-letters/pay-for-delete-letters/

Here are some sample letters as well...

http://www.creditinfocenter.com/forms/