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Blog Details for "Broken Credit Blog"
Broken Credit BlogBroken Credit BlogFree Credit Repair Seminar, Dispute Letter, Mortgage Advice. The Broken Credit Blog was created to assist the general public with information about credit repair and responsible mortgage lending. Articles
Calling All Pay For Delete-inators
2008-05-26 21:08:00 As we suspected, the pay for delete-inator has been quite a hit here on the Broken Credit Blog. Many times a valid collection account exists and rather than having the credit score drop by paying the account (No! Don?t do it!), and having the report stamped with a paid collection account, the consumer would opt ... More About: Calling , Delete
Returned To Garnishment
2008-05-26 17:08:00 Our busniness went under 8 years ago, and as a result we lost 2 of our 3 rental homes to foreclosure. One of those 2 had a second mortgage on it, the holders of which began garnishment of my husbands paycheck. Soon after, we moved out of state for a brief time, then moved back. The ... More About: Judgment
Mortgage Reporting
2008-05-24 17:13:00 I’m a mortgage broker and Realtor. I had the best year ever last year until September when all my business came to a sudden standstill. I had invested in some real estate and used all my earnings to make the mortgage payments while remodeling the properties. I had no savings, so when the income stopped, I ... More About: Mortgage
Learn Credit Repair in 15 Minutes
2008-05-23 19:10:00 What a wonderful site! Lots of GREAT info, here!!! My question will *possibly* stump ya’ll … it sure as heck has stumped US! We just paid off a small ($500) tax lien, became up-to-date (and then some) on a student loan that was near default, and have a few medical bills in collection dating back ... More About: Credit Repair , Credit , Learn , Minutes , Repair
Ticking Collection
2008-05-23 05:32:00 My husband had a car reposessed back in 2001 on his credit report it states it has been turned over to a collection agency the date of 1st delinquency states 11/2001 .then again on closed accounts it states 1st del 8/2002 and then again on a different one it states 5/2006… When does the sol come ... More About: Repo
Tennessee Partial Payment
2008-05-23 04:57:00 Alright, first to say this is an absolutely great site. I have learned a great deal. I’m still at a loss on what I should do. In 2001 or so I got a $200 CC from household bank. After a couple of $25 late fees and over the limit fees this thing got out of control. ... More About: Tennessee , Collections , Payment
Paying Collections Can Lower My Score? Why?
2008-05-21 03:12:00 I was looking into buying a house a year ago. The person I spoke with at the mortgage company told me a few things to improve my credit. One of them I am unsure about. She said not to pay anything that is more than two years old. Do you know any details as to ... More About: Collections , Lower , Score
Radtastic Credit Repair
2008-05-20 23:12:00 All righty… First of all I’m 21 and im distraught because of the debts i owe due to my naiivety of finances when i left my parents home to start college. Well i ended up dropping out 10 weeks into college and have a $2500 student loan thru Sallie Mae My account status says: Claim filed ... More About: Credit Repair , Credit , Repair
Short Sale Never Delinquent
2008-05-20 17:43:00 I live in Florida and have a mortgage with countrywide which is now worth more than the value of the house. We have been trying to sell our home since aug of 2006….. at first we tried ourselves…then with a realtor after a year…and now the new one we have told us our home is ... More About: Sale , Short
Sheila?s Wage Garnishment
2008-05-20 04:48:00 It’s me again!!! I recently had my wages garnished from a car I had had voluntarily sent back. The original garnishment was $6242, JD Byrider/ CNAC. The garnishment was paid in late Mar. $325.00 bi-weekly for 10 months. I get my paycheck today and there it is again…this time $365.00 with a balance of $2895.00. I ... More About: Sheila
Medical Billed Me
2008-05-20 02:47:00 When having my daughter I racked up over seven grand in hospitals bills that my insurance would not cover. Shortly after having her my self empolyeed husband lost his job, we could not afford to pay the medical bills. They gave me a window of 90 days to get them paid. I now have 7 ... More About: Medical , Collections
Pay For Delete Service is NOW AVAILABLE!
2008-05-20 02:03:00 In case you don’t know what Pay For Delete means, click the Pay For Delete-inator link. Yes, you can get rid of that collection entirely with some help from the Pay For Delete-inator! For a free consultation with the pay for delete-inator, click here and type “pay for delete”. More About: Service , Collections
The Broken Credit Blog Welcomes Brian of HTDI!
2008-05-20 00:15:00 Hello Everyone, Paul asked me to join the Broken Credit Blog after we became colleagues on the real estate networking forum WannaNetwork.com. I certainly hope to build on some of the great things that are being accomplished here and I very much appreciate The Broken Credit site as a tremendous source for self help in credit ... More About: Credit Repair , Brian
Watch That Step!
2008-05-18 00:41:00 I have an old defaulted credit card account that has just went to a second collection agency. I just got the letter a couple days ago. I don’t know what to do. The amount I owe has tripled since it went into collections as well. I don’t have the money to pay this off. I could really only ... More About: Watch , Credit Repair , Collections , Step
Sample TILA Rescission Notice
2008-05-17 23:17:00 XYZ Mortgage Company 123 Anywhere Street Anyplace, New York 54321 RE: Fred Flintstone Account#1234567890 Dear Sirs, With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. § 1635, Regulation Z § 226.23, to rescind the above referenced mortgage loan. The Truth in Lending disclosure statement was defective for the following reason: (insert reason here) Pursuant ... More About: Tila , Notice , Sample
Credit Repair Addiction
2008-05-17 19:28:00 I’m confused about the statue of Limitations and if Collections agencies are liscensed to collect in my state. Is it based on where I live curently, where I lived when I opened the account, where I lived when I defaulted? I have lived in 6 different states and another country in the past 10 years so I ... More About: Credit Repair , Credit , Addiction , Repair
Broken Credit Advertising
2008-05-17 19:00:00 Do you have a product or service that can help the Broken Credit Bloggers? We have over 30,000 pages loaded and over 1,000 organic searches landing on the Broken Credit Blog every week. Specifically, I am looking for attorneys or licensed companies in any fields that match the ‘categories’ pages on the right side of the ... More About: Advertising , Advertise
How To Scare a Debt Collector
2008-05-16 18:52:00 I am in Texas and I work in the Real Estate industry as well as the mortgage industry. I stumbled upon your site by accident and became instantly facinated by it, I think it is awesome! I was once told by a credit restoration specialist that you should never pay collection agencies since they usually don’t ... More About: Collections , Debt , Collector
Gramm-Leach-Bliley Act
2008-05-16 03:33:00 I need help quick! I have a car loan that received a lat payment for May 2008 (I sent it a week late). I have had this loan for about 13 months (with excellent payment history). The bank, the day prior to receiving the payment, called an old friend whom I had listed on my refferences application ... More About: Credit Repair
Collection Nightmares
2008-05-15 23:06:00 Consumer: “No. You’re not going to call my place of employment.” Debt Collector: “My next move is to be at your place of employment.” Consumer: “No, I don’t think so…I don’t think so.” Debt Collector: “I don’t need you to think…it’s a fact.” Know your rights under the FDCPA! Watch the Fox 11 News Video: Collection Nightmares
Credit Hijinks
2008-05-15 03:46:00 First and foremost- fabulous site! Thank you so so so much! So… I am getting evicted soon. My landlord quit paying her mortgage, but of course, I have been paying the rent! So I thought… hmmmm… the market is reasonable for a teacher to buy a house! Naturally I contacted a lender and wow! My credit ... More About: Credit , Mortgage
Dispute Me?? Dispute You!!
2008-05-15 02:30:00 I currently have old collection agency debits showing on my credit report. I have contacted a few and they all tell me to send a letter requesting it to be moved and to give them a good reason why it should be. Is there a website or something that has sample letters that work? Wendy ———- Hi Wendy, Credit ... More About: Credit Repair , Dispute
Follow My Judgment
2008-05-15 02:09:00 If we foreclose on our rental property in las vegas, can the bank come after our primary residence in California or any of our other assets? Debra ——— Hi Debra, Nevada permits a deficiency judgment which according to National Consumer Law Center?s ?Foreclosures? 2nd Edition (page 535) is ?limited to the lesser of (i) the amount by which the ... More About: Judgment
Keys To Recovery
2008-05-09 22:53:00 A recent Fannie Mae press release indicated a new program called “Keys to Recovery ” will soon be available to refinance up to 120% LTV. This means that borrowers who have FNMA loans will be able to refinance to a new FNMA loan at a lower rate even if the property is upside down by as ... More About: Mortgage
King Credit Beats Credit Card Companies At Their Own Game!
2008-05-09 04:50:00 CREDIT IS KING, AND CREDIT KING IS BACK! PAUL, THIS SITE IS INSPIRATIONAL WITH THE MOST SOPHISTICATED AND NICHE INFORMATION ON THE ENTIRE WORLD WIDE WEB.KUDOS TO YOU, AND THANK YOU!! AS OF MAY 1, 2008 I AM PROUD TO REPORT THAT I AM UP $1.4 MILLION IN UNSECURED CREDIT. HALF OF IT AT ZERO INTEREST. CREDIT ... More About: Companies , Credit Cards , Card , Credit , Game
I?m Not Interested In This 18 Year Old
2008-05-08 23:34:00 About six months ago I paid off all my debt and now have an excellent credit score (YAY!!!). Recently, though, I received a notice from a company (junk debt buyer I’m assuming from the blog) about a 18 year old debt from a jewelry store. There is no date on the notice as to how old the ... More About: Year
Foreclosure Fraud
2008-05-08 17:51:00 An article authored by Patrick Pulatie For this article, I had planned on writing about the mortgage fraud I have been discovering while doing loan document audits, but I decided to change the subject, for something that is much more important for many people today. In the last two weeks, I have run across several cases of ... More About: Fraud , Foreclosure
California Bankruptcy
2008-05-07 18:46:00 Vallejo, California ’s city council voted to go into bankruptcy, saying the city doesn’t have enough money to pay its bills after talks with labor unions failed to win salary concessions from fire fighters and police. The city council’s unanimous decision makes the San Francisco suburb the largest city in California to file for bankruptcy and the ... More About: Bankruptcy
Chelle?s Landlord
2008-05-07 03:06:00 Paul: I love your site! Last year your advice helped me improve my score. This year, I need to push it just a few more points and we get our house! I have been renting from the same landlord for 4 years. He is willing to report our rent to the credit bureaus. Back in 2006, you advised that ...
Colorado TILA Attorney
More articles from this author:2008-05-07 01:20:00 Hi Paul, I wrote to you on 4.30.08 Option Arm Soap Opera and wanted to thank you for your information. I just have one question- How do I find an attorney that is willing to look and see if I have a TILA violation? I live in Colorado and I left a message for one but they ... More About: Attorney , Tila 1, 2, 3, 4, 5, 6, 7 |
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