Author Archives: Admin

About Admin

Hello My name is Oni . I was a Victim of a dirty bad housing fraud back in 2003. This women who i will not name in this blog pretended to be me for god knows how long in the city of Palmdale California. Not only did this person purchase a home in Palmdale California under my credit profile' but she also took out credit cards in my name, and also took out many loans on the home she bought with my credit profile. Then she did the worst thing to my credit profile she went to a Bankrupcty court filed documents in my name , and credit profile. I only found out when trying to use a credit card i had not used in many years. I called this card holder to find out my limit so i could make a purchase for my husband Christmas gift in the year of 2003 . But to my surprise this card holder told me i had not credit limit on this card because i filed Bankrupcty last month in September of 2003. I stated to this card holder there must be some mistake i do not own a home at this time , and lived in a town house over a 100 miles away from where this crime took place. He stated to me yes we have updates on the card holders monthly , and we took away all of the credit limit from this card. Now was i very hot finding out not only did someone use my name but they purchase a home in my name , and also filed Bankrupcty on credit profiles. I then went to the net to find out if i really own a house in my name. I got myself a updated credit history report . I found out this guy was right i did own a home in Palmdale , and i filed Bankrupcty by there records this was correct . I was so upset since i was in the process of getting a home loan with my credit score at the time being 750 with 3 open good standing account, and good credit history with the credit companies. My next move was to prove who i was , and where i lived for over 10 years. A police report was filed in the city which i live in at this time in 2003. I gave the police my finger prints , and my handwriting so that i would have this on file for my court case. Someone was going to pay for what was done to me. I contacted the loan people , and told them who i was , and that i wanted them to remove this off my credit profile since i have not filled out any paper work with them on any loans . They laugh at me , and said i should have paid my payment on this home that this low down dirty women bought in my name , and credit profile. I then called the Bankrupcty court were the case took place. A nice men there ask me my ssn i gave him my number he search , and search the files but could not find any Bankrupcty filed in my name at all under the ssn i gave him . So i gave him the court information i had on my credit reports i purchased online . He said this was not my Bankrucpty at all there were 3 numbers turn around but it was a close match but the name was very different spelled among other things. He said i am going to send you out a report of the Bankrupcty that was in your name but not SSN. I contacted a law firm on this matter when i tried over , and over to work things out with the bank over this huge mix up . They lied to me after i went out , and paid for services to help them get there funds back from this house that did not belong to me at all since only my name was use , and ssn was not correct at for me to even be having this on my credit profile . I got sick , and tired of the banks after they sold this home while i was on vacation out of the states. A call was left on my home phone that they lied to the people i paid to help them get there funds back on a home i did not even own in my SSN . But was in my name which was not spelled correctly. After all this big mess with my credit profile i had to get help from a law firm who i told my story , and handed him the proof i could have never did this loan on this home i was taking finals over a 100 mile plus away, and the hand writing did not match my writing at all. We went to court i took everyone to court on this matter . I wanted my credit fix , and i was not taking anymore crap from anyone over this home loan that someone did in my name. I won my case in court , and that was easy to do since i went back to the court where the Bankrupcty had been done in the first place. The judge who did the Bankrupcty rememeber the case, and the women that came the day of the Bankrupcty hearing . Guess what i was not the women that came to court at all. The judge said any fool can see the hand writing does not match the police hand writing file , and the finger prints sure does not match this person at all that is in front of me. I am proof the judge said this women i never saw before in my life until today , and she is not the person who did this Bankrupcty on this case. The judge made them pay , and also fix all my credit back like it was before all this happen , and they had 2 weeks to do it , and the judge wanted all my credit reports in 2 weeks showing they took all this loans , and negative stuff off my reports . My reports were back to normal but i had to stay up on it every few months. The loans were sold again , and again . I got many collectors trying to collect on a court case that had been settled because they sold the loans over , and over again in my name . I wrote everyone who put things on my profile that they had a week to get it off or i would have them in court for trying to collect on loans that were not mine . I had no problems at all the stuff was taken off right away. But i still keep up with all my credit cards i do own , and monitor my credit profiles every few months . Now that is why my website is called Dirtybadcredit.com I hope my credit story can help those who have been going through fraud among other types of credit problems .

Credit Fixes That Actually Work

It can be frustrating trying to correct your credit report. You can do everything by the book and still come up short. As a result, many consumers just give up.

I can understand the frustration but it’s usually an expensive mistake to throw in the towel. Government studies show that 1 in 5 credit reports contain material errors. If your credit report has mistaken, don’t become just another statistic and don’t stop fighting. Here are four unconventional tactics you can use to stick it to the credit man and get the results you want.

1. Write Original Dispute Letters

The internet is full of template credit dispute letters that are free to download and easy to use. If you go this route you will save time and money. The only problem is you probably won’t get anywhere with the credit bureaucrats.

That’s because credit bureaus and creditors get thousands of letters every day. Most of these organizations use scanning software which identifies template complaints and send a stock response letter without much human consideration.

A better idea is to write your own dispute letter in your own words. This increases the likelihood that a live person will actually review your claim and consider it. By all means get an idea of what to say by reviewing sample letters but always put it in your own words.

Hint: Although some creditors and credit bureaus allow you to dispute credit problems over the phone or via the internet but don’t fall for it. Unless you put your claim in writing you lose many of the protections offered by consumer protection laws.

2. Don’t Follow The Suggested Path

Just about everything you read on credit repair tells you to first contact the credit bureau. They recommend you go to the creditor only after that fails. This advice is hogwash. It’s also the reason why people get frustrated with the credit repair process and give up. It’s very easy to go round and round with the credit bureau and get caught in a vicious loop.

Don’t fall for that trap. Its fine to contact the credit bureau of course but you should also go after the creditor who reported the negative item in the first place. Remember, they have to prove the information they supplied to the bureau is accurate, verifiable and complete. Again, they have the burden of proof and they have to send you a copy of their proof. If they can’t come up with the goods, they have to instruct the bureau to remove the negative information.

3. Use The Law

The only reason the credit bureaus and creditors respond to disputes is because they have to under the law. It’s in your best interest to understand the basics of these laws and reference them when you write your dispute letters to both the credit bureaus and the creditors. Fortunately, you don’t have to go to law school to leverage these rules.

The most important law to understand when it comes to consumer credit protection is the Fair Credit Reporting Act. This law governs how information about you is gathered, shared and used. Among other things, this law mandates how negative items are removed from your history and how credit bureaus are to behave.

The next law to reference is the Fair Credit Billing Act. This spells out what creditors can and cannot bill you for and how they are supposed to bill you.

Finally, there is the Fair Debt Collection Practices Act. If you fall prey to a collection agency, this law can help you get them off your back in a hurry.

Again, you don’t have to be a lawyer to get some fire power from these laws. Once creditors and credit bureaus see your references to these laws in your letters, they’ll know they are dealing with someone who means business. That might just be enough to get them to play ball with you.

4. Sue the Creditor in Small Claims Court

If a creditor won’t clean up an error that they reported, you can almost always take them to small claims court to force them to get off their duff and do the right thing.

The nice thing about this move is that lawyers aren’t usually allowed in small claims court. That means you’ve got more of an equal playing field. Also, suing in small claims is easy to do and very inexpensive for you. But it’s expensive for the creditor and a pain in their back side. As a result, once you serve papers, the creditor might just stop fighting and clean up their error.

The trick about suing creditors in small claims court is that you have to make sure to fill out the court paperwork correctly and you have to get your claim to the right people. And you have to be on top of the follow up requirements and actually follow through.

There is a lot at stake when it comes to cleaning up mistakes others have made on your credit file. The credit bureaus and reporting creditors may seem like formidable adversaries. But use the law and a little elbow grease. If you do, you’ll have a far better result in most cases.

How to get things off your Credit Report

 Figure out where you stand. Before you begin do-it-yourself credit repair, you’ll want to get copies of your full credit reports from all three bureaus (Experian, TransUnion, and Equifax). You can get your reports truly free, once a year, at http://www.annualcreditreport.com or by calling 1-877-322-8228.May 2, 2017

How to Get Something Removed from Your Credit Report
Start With a Credit Dispute Letter. Before you try anything else, you should first make sure the negative entry on your credit report doesn’t have any inaccuracies. …
Write a Goodwill Letter. …
Negotiate “Pay For Delete” …Have a professional remove the negative entry.

What rights do you have with your credit accounts?

No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:

  • You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
  • Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
  • It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.

DIY

Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use our sample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.

Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file.

When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it’s accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past. You’ll probably have to pay for this service.

Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.

Reporting Accurate Negative Information

When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.

The Credit Repair Organizations Act

The Credit Repair Organization Act (CROA) makes it illegal for credit repair companies to lie about what they can do for you, and to charge you before they’ve performed their services. The CROA is enforced by the Federal Trade Commission and requires credit repair companies to explain:

  • your legal rights in a written contract that also details the services they’ll perform
  • your three day right to cancel without any charge
  • how long it will take to get results
  • the total cost you will pay
  • any guarantees

What if a credit repair company you hired doesn’t live up to its promises? You have some options. You can:

  • sue them in federal court for your actual losses or for what you paid them, whichever is more
  • seek punitive damages — money to punish the company for violating the law
  • join other people in a class action lawsuit against the company, and if you win, the company has to pay your attorney’s fees

Report Credit Repair Fraud

State Attorneys General

Many states also have laws regulating credit repair companies. If you have a problem with a credit repair company, report it to your local consumer affairs office or to your state attorney general (AG).

Federal Trade Commission

You also can file a complaint with the Federal Trade Commission. Although the FTC can’t resolve individual credit disputes, it can take action against a company if there’s a pattern of possible law violations. File your complaint online at ftc.gov/complaint or call 1-877-FTC-HELP.

Where to Get Legitimate Help

Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If you’re not disciplined enough to create a budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many are nonprofit and work with you to solve your financial problems. But remember that “nonprofit” status doesn’t guarantee free, affordable, or even legitimate services. In fact, some credit counseling organizations — even some that claim nonprofit status — may charge high fees or hide their fees by pressuring people to make “voluntary” contributions that only cause more debt.

Most credit counselors offer services through local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.