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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
Annual Credit Report
2008-03-01 03:47:00 My husband and I are working on improving our credit scores as much as possible, as we would like to buy a home next year. As always the first step in this process is to pull our credit reports, simple enough right. For me this is true, for my husband this is proving to be ... More About: Credit , Report , Credit report , Annual
Short Sale Escape
2008-02-29 19:35:00 Hi, My salary is been reduced and own more then my house is worth. I have contacted my lender and the loss mitigation rep said that I need to reduce even more my personal expenses and then try again for a short sale, because rigth now I do not qualify. My mortgage is $ 3,700/month and my ... More About: Sale , Short , Escape
Judgment Guess?
2008-02-29 05:12:00 I recently had my credit pulled and discovered that i have 2 judgements against me. I went to the civil court house to inquire about these judgments and discovered that a hospital had their attorneys file a judgement against me and then sold the account to NCO and they filed a judgement against me for the ... More About: Judgment , Guess
Help Center
2008-02-28 21:21:00 i seen the things that u are capable of now how can u help me Charles More About: Credit Repair , Center
Goodwill Provides Hope
2008-02-28 16:07:00 I am a 46 year old man who for many years in my life lived beyond my means and as a result ended up with several negative accounts on my credit report. This included some student loans as well as credit card and other debts. I got married about a year ago and my wife ... More About: Credit Repair , Hope
Delete for Payment
2008-02-28 01:30:00 I have a requestion regarding delete for payment. I have some collection matters on my credit report that are well over 24 months old and a new one from a Satelite Network that I thought had been paid in full. I have attempted to negotiate a delete for payment and have been told that they ... More About: Collections , Payment , Delete
Vanishing Inquiries
2008-02-27 18:20:00 Where can I get daily credit reports? I can only find monthly and want to bump off some of my inquiries. Jerry More About: Vanishing , Inquiries
Results of the Week!
2008-02-27 16:54:00 Check out Adriel?s Latest Results ! Folks, make sure you?re sitting down before you read the rest of this week?s incredible results, you will be blown away!! Nothing short of awesome!!! Ok, here we go: 1) American Honda Finance- This was a voluntary repossession on a lease (customer turned in the vehicle ?on his own? before the lease ... More About: Credit Repair , Week
Mixed Files
2008-02-27 15:13:00 In 2005 I had a chapter 13 bankruptcy. I am pay 500 a month for 3 years. I will be done in october. I have a ton of wrong stuff on my credit report. From a house (I have ever owned a house) to Jewelery store credit with debt that they can’t find a record of ... More About: Files , Mixed
Bank Failures
2008-02-26 18:58:00 WASHINGTON — The Federal Deposit Insurance Corp. is taking steps to brace for an increase in failed financial institutions as the nation’s housing and credit markets continue to worsen. The FDIC is looking to bring back 25 retirees from its division of resolutions and receiverships. Many of these agency veterans likely worked for the FDIC during ... More About: Bank
I Hereby Goodwill You
2008-02-25 22:16:00 Now that I have paid off all my credit card debt and I’m completely debt free, how do I improve my credit & credit score? I paid them off in full in Oct 2007 w/out settling for less than what I owed, I just paid off whatever the balance was. I have some negatives on my credit ...
Loony Bin Mortgage
2008-02-25 18:41:00 back in november i applied for a home loan and was pre approved on nov 5 i was told to send 300 to lock in my rate which i did then was told go find your dream home well a week later i called the loan officer to speak with him and heard a recording ... More About: Mortgage
Debt Settlement DIY
2008-02-24 04:44:00 Hi Paul, first of all, let me say I think it’s awesome what your doing for people! God Bless you! Right now, I currently have three Creditors that are Credit Card debt, I have a total of 10,500.00 in credit card debt. I have spoken to two Debt Settlement companies. They explained to me that they would ...
Pondering Pay for Delete
2008-02-24 02:55:00 Paul, Once a person obtains a “pay for delete” letter, then what? Do I send the letter to the credit bureau? Thanks, Dee —————— ;- Hi Dee, Since posting the Pay for Delete Letters article a few hours ago, I?ve received a number of inquiries on the subject. So, I can definitely tell there?s an interest and need for such a service. Dee, ...
Pay For Delete Letters
2008-02-23 17:57:00 Question for the Broken Credit Bloggers. There has been a great deal written about pay for delete on our site. It?s a wonderful way to reach a mutually satisfactory resolution with a collection agency over a bill that is dropping your credit score some 100 points. I know many of you have had difficulty obtaining ... More About: Collections , Letters , Delete
Stump The Experts
2008-02-23 05:47:00 why is my credit really messed up if i am just trying to pull out a loan for school Christopher More About: Experts
Short Sale Financing
2008-02-21 19:28:00 Hi Paul, I?ve been actively browsing your seller help buyer website. My business partner and I know that if we have the resources to do short- sale financing, we?d have a ton of work to do. It?d be great if you could let us know what lenders are good for this, or just any advice or suggestions. Thanks! JP —————— ; Hello ... More About: Financing , Sale , Short
Raise Your Credit Score
2008-02-21 16:38:00 Broken Credit , LLC welcomes you to Raise Your Credit Score . Our free fifteen-minute seminar is NOW AVAILABLE and will discuss the following topics: Why errors exist on credit reports How to obtain a copy of your free credit report The proper way to dispute inaccurate items How to re-age a derogatory account to delete the derogatory history How to remove ...
Maryland Loss Mitigation Reports
2008-02-20 19:48:00 Governor Martin O?Malley called for an emergency work-session with mortgage loan servicers to help find real solutions to the foreclosure crisis and protect middle class families from losing their home. Joined by Department of Labor, Licensing and Regulation Secretary Thomas Perez and Department of Housing and Community Development Secretary Raymond Skinner, Governor O?Malley announced new ... More About: Foreclosure , Maryland , Mitigation , Loss
Results of the Week!
2008-02-20 16:26:00 Check out Adriel?s Latest Results ! Ok folks, looks like more awesome results this week?.I?m starting to sound like a broken record here!! Here we go: Item 1-BP Oil/Citibank SD ? This was a transferred charge off to a collection company for $469.00 dollars back in 2001. BP/Citibank could not verify this information, so it was deleted! Item 2-West ... More About: Week
Debt Collector Wants Proof
2008-02-20 01:14:00 In Summer of 2003, my wallet was stolen. I called my bank, and the credit bureaus,and assumed that it was taken care of. I later found out that I needed to file a police report for them to accept it. I never did. And when thy started charging me interest on the amount I closed ... More About: Identity Theft , Debt , Proof , Collector
Ma & Pa Collectors
2008-02-19 00:16:00 Hi Paul and the Gang, I’ve written to you previously and thanks to you and everyone involved with BrokenCredit.com my credit is stellar. My new problem is related to a Dr. bill that my Worker’s Comp. insurance didn’t pay. Dr.’s office originally billed me and I forwarded the bill to my attorney, who forwarded to the ins. ...
Retiring Auto Loans Early
2008-02-18 19:45:00 I have pretty good credit. But I’d like to increase it as much as I can in the next 6-months since that’s when I plan to buy a house. I’m in the process of buying a car. I can afford to pay cash, but have been told taking out a loan and paying it off will ... More About: Loans , Auto , Auto Loan , Early
Multiple Debt Collectors
2008-02-18 18:17:00 Hi Paul, I have a collection for an old phone bill on my credit report. I sent a letter(pay for delete) to the CA and was told they cannot remove the info. because they are not the CA reporting to the Credit Bureau. Apparently, this CA is collecting on behalf of another(not the OC). Can the ... More About: Debt
Orginal Creditors: FDCPA, FCBA, & FCRA
2008-02-18 15:34:00 I need more info about validation debt letter with original creditor not with collection agency.Please let me know if you have any. Thanks, Kevin ————— Hello Kevin, The validation of debts provision of 1692g of the FDCPA doesn’t normally apply to original creditors. You have rights under the FCBA and the FCRA in dealing with the original creditor. Thanks for the questions and ... More About: Creditors
Super Duper Duper Rich!
2008-02-17 17:44:00 FROM THE DESK OF DR.NNAMDI PHILIP/CHIEF ACCOUNTANT UNION BANK OF NIGERIA PLC GARKI ABUJA NIGERIA. ATTN:PRESIDENT/CEO, Dear Sir/Madam, REQUEST FOR CO-OPERATION ON PRIVATE BUSINESS RELATIONSHIP Every four years, Nigerian Banks transfer to it treasury, Millions of Dollars of unclaimed Deceased Depositors Funds, in compliance with the Banking Laws and Guidelines. In the majority of cases, with reference to ... More About: Rich , Super
I?m Really Really Rich!
2008-02-17 03:47:00 FOR YOUR ATTENTION. (Executive Director and Chief financial Officer) Hang Seng Bank Limited 83 Des Voeux Road, Central Hong Kong SAR Email: redacted @yahoo.com.hk FOR YOUR ATTENTION It is understandable that you might be a little bit apprehensive because you do not know me but I have a lucrative business proposal of mutual interest to share with you. I got your ... More About: Rich
I?m Rich!
2008-02-17 03:41:00 Attention Please, I am Mrs Caroline Sambadi, Head of Internal Audit Banque Commerciale Du Burkina,working as part of a bigger team that covers the entire African region. An investor (name with-held) died without naming any next of kin to his fund in my bank.The amount is $15.7M and banking regulation/legislation in Burkina Faso demands that i ... More About: Rich
Missing Mortgage Payments in Florida
2008-02-17 01:48:00 With an increase in calls from people regarding foreclosure, the Department of Financial Services is aware of the problems that can occur when cash is tight. Due to the rise in interest rates and the cost of homeowners insurance, Florida could have a record number of mortgage foreclosures in the next few years. If you get ... More About: Foreclosure , Mortgage , Missing
Underwater Mortgage
More articles from this author:2008-02-16 05:28:00 A February 12, 2008 Zillow.com report titled: ?Home Values Continued Decline in Fourth Quarter, Leaving Approximately One in Three New Homeowners With Negative Equity? explains: “Nationwide, those at most risk of being underwater on their mortgage are those who bought in the last two years when most markets peaked. Of those who bought in 2006, 39 ... More About: Mortgage , Underwater 1, 2, 3, 4, 5, 6, 7 |
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