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  1. #61
    Registered User New Member
    Location
    SF,CA
    Posts
    3

    Credit Reports

    Well, it's been a while since I posted. i filed my chapter 7 on July 21. It was a tough decision, but I already feel so much better!

    Christine, This site helped me a great deal, thanks!

    I am now preparing to try and repair my credit. I have read most of this site at one time or another, but am still confused about who to go to for valid credit reporting.

    You say not to do the 3 in 1 deals, but go direct to the source. Are these reports all available online, and how much are they, and who are they? Are they Experian, Trans Union and Equifax? Also I want to be able to monitor all the activity, is that possible?



    Thanks in advance.

  2. #62
    Administrator
    Location
    The high desert
    Posts
    4,308
    I'm glad you filed, and that you're ready to start working on your credit, but I recommend WAITING until after the discharge before disputing.

    Until the discharge they can still report the balances, and you're just wasting your time.

    And yes, get the SINGLE bureau reports directly from the CRAs, the best credit report info is at http://www.bayhouse.com/order-credit.shtml

  3. #63
    Registered User New Member
    Posts
    1

    Leased car won't be taken away in Chapter 7

    I know this is an old post, but what the heck...this answer might help someone else. As I understand it, a leased car doesn't become part of the chapter 7 bankruptcy estate, because the lesee doesn't own the car -- the lessor does. So long as you continue to make payments on the car, it cant be taken away from you in a chapter 7 bankruptcy.

  4. #64
    Administrator
    Location
    The high desert
    Posts
    4,308
    Yes, that's true. And even if you own the car, it is often EXEMPT as long as you don't have a lot of equity - limits vary by state.

    I know people who put title loans on their vehicles to avoid losing their paid off cars. Of course that takes some planning. As always, a little planning goes a long way.

    And, since I think Steven Snyder was mentioned in this thread, a little update:

    I got a letter from his attorney demanding that I no longer use "credit after bankruptcy" as he trademarked it -- he can kiss my you know what! I ignored him.

    The Snyder legal threats

    And then I got a rather credible report that Snyder owns part of the Bradley Ross credit repair scammers, through some front corporation. I got copies of some of Snyder's e-mails too, exposing what a moron he is.

    Snyder is as corrupt as anyone, although he is tremendously skilled at making people feel better and most people don't realize that he's ONLY in it for their money.

    I hope somebody lets him know that I posted this. Can't wait for another idiotic lawyer letter.

    You'll find the latest on credit repair scammers like Lexington, Bradley Ross, and even one of the Ovation "secret and proprietary" DISPUTE LETTERS at Fight Back!!!

  5. #65
    Registered User New Member
    Location
    SF,CA
    Posts
    3
    Hi Christine,
    It's been a long time. You seem to be busy as ever with this site.

    I've been reading through the site. I need to repair my credit, when's the last time you heard that?!

    Seriously though, I have some issues on my credit that i have disputed and had no luck changing. There is a credit card that is listed as charge off and should have been included in the BK, stuff like that.

    Where can I look to get "true" advice about methods for fixing credit. I couldn't even get a secured credit card ;-(

    Thanks in advance!

  6. #66
    Administrator
    Location
    The high desert
    Posts
    4,308

    It takes $$$ for the FICO reports and lots of hard work

    Sorry for the late reply, been so busy with client emergencies and discovery deadlines.

    I've posted a lot of free info on analyzing reports and general recommendations.

    If you're willing to do the reading and learning, I highly recommend subscribing to CreditFactors.

    Never lie in disputes!

    And stay away from obnoxious form letters posted on the web.

    Write every dispute expecting a judge and jury to see it. Unfortunately, it often does take a lawsuit or my call to the creditor or CRA to get corrections.

    It doesn't matter that 30 accounts are reported correctly, just ONE incorrectly reported account can cost you 100 FICO points.

    So keep that in mind, and good luck!

  7. #67
    Hmm interesting situation. I hope everything worked out!

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