Please Scroll Down to See Forums Below mike peters
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Have any of you used one of the companies you claim that they can erase your bad credit? I've tried it on my own by writing the bureau and lender and my shit got kicked back. Any info would be helpful.
Fixing bad credit...
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MasterMind
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Bro....the best thing you can do is shop around....call them or get in touch and find out......never used one...probably shoulda a while back...guess I won't be buying any new cars for five years
FarBeyondDriven
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claiming bankruptcy on 100,000 of hospital bills right now. That will help my credit right?
FarBeyondDriven said:
Dude, I hope you're kidding. lol
FarBeyondDriven
New member
The last sentence was a joke, the first was from playing with DNP. All in all is not a joke and I have a huge pile of bills from bieng in a 12 day coma. The bankruptcy, hell yeah I'm serious. In seven years my credit will be clear. a 100 grand, won't have that paid off in seven years. The only way to go now.
StoneColdGold
New member
holy shit bro. what happened with the DNP?
mike peters said:
no one can "erase bad credit", don't listen to the crap they try to sell you. all they can do is have incorrect credit "mistakes" taken off of your credit report. You can do the same thing yourself without paying a service. just get a copy of your credit report and if there are any errors you can contact the credit bureau and whoever is incorrectly reporting your credit and have it removed. If it was "kicked back" and you are disputing the report from a creditor you must prove in writing that they made an error. For example if a creditor claimed that you defaulted on an account you must show proof that you paid off the account. If you have proof they must take off the negative credit rating.
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FarBeyondDriven
New member
Very long story. It was crystal and in July. Crystal is alot more potent. Body temp went to 108, was put under, had heart attack, 2 sinus infections, lungs pumped, severe muscle atrophy due to coma. Was giving a 10% chance to live first night and if I did 95% chance I would have severe brain damage due to body temperature. In other words I had a 0.5% chance to get out of it alive and mentally sound. Damn I beat those odds, would not of put money on a bet like that though.
The bills, their just FUBARed. No insurance, not rich, only thing I can see feasible is to file bankruptcy. No big assets, only a truck and a computer with the clothes on my back so nothing to loose.
The bills, their just FUBARed. No insurance, not rich, only thing I can see feasible is to file bankruptcy. No big assets, only a truck and a computer with the clothes on my back so nothing to loose.
mike peters
New member
Does anyone else have info?
As a loan officer I can tell you the only thing you can do is to get a copy of your report and dispute every negative claim on your report. The credit bureau contacts the companies and they have 30 days to respond to verify or not the claim, if they don't respond it will be removed, but 9 out of ten wil respond. The next thing you can do is cancel all your credit cards and only keep one for emergencies. Another thing you can do is take out a secured loan. Say you have $500 in the bank, you can get a loan for $500 and they put a freeze on the $500 in your account. Since they are loaning you $500 you still have the money available and you just pay it back over say 6-12 months which shows positve payback history which will build your credit.
mike peters
New member
thanx bro
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