Monthly archives: September, 2016

My experience is to fight everything

It is possible to ignore your creditors for 7yrs..I’ve done it and much has been dropped off of my credit report. Actually lots. But I made a mistake to fight one and the credit was sold to a collection agency…Yes, he is correct…(I have a good friend who is a collector for a well respected agency) he said the same thing. If you make any size payment…even if it is $5, if you settle the clock re-ticks.

He actually told me that its a trick of the industry…

So you are saying don’t pay the collectors and let it fall off? Also I have some things on my crdeit report that should have been taken/fallen off a long time age. What can I do to get them off?

My experience is to fight everything on the report that you think should be released. I have also had a lot of luck with that. Many times debt has been discharged and still shows past the 7yrs, creditors don’t report back to the credit bureaus, creditors maintain faulty records and/or there are laws about how often a creditor should contact you, via mail, phone, etc before the debt is considered a collection item.

There are sooooooooooo many ways. Although my own credit is not perfect..I have foundt these things to work for me. But, I would not tell you to do anything. You have to know your situation. Everyone’s situation is very different. I had no problems with it. You can’t get collect on something that is not there. Judgement or not..

I learned the hard way also..

I learned the hard way also..years ago. I figured I would make it difficult to be found. I’ve never used my physical address on anything (nothing..not my bank acct, home phone, utilities, etc.) for at least the last 10yrs. I do not own a home just yet but every time I have rented I rent from private owners who usually will not run a credit report (therefore not leaving a paper trail of last known address), I’ve learned to live paying cash only.

Own both of my cars (very nice ones) outright (Don’t believe in car notes anyway). Never give my phone number on anything (have given cell). As far as work related, yes my employer ran a credit report for themselves but my place of employment never showed up on my credit report, nor did the inquiry. Actually the inquiry came from a private agency who worked for the employer.

Now, I have a public employer which makes it easier to find me, but I’m ready for this…taking care of things in a different way.

But, don’t get me wrong if the debt was large enough they would find me I know. Everyone can be found. I work with skip tracers, etc. But, it would take a lot of effort.

Ignoring creditors

Well, I am starting to believe that ignoring the creditors is better! We a re trying to get a mortgage and so started to clean up our credit and it’s has gotten worse!
There was one judgment on ours that we questioned so I got the attorney’s name and they could not connect it to us. It now shows “satisfied” on our report but another one showed up from 2013! It has NOT been on there before.

Well I called the county to get who to call and now we are getting calls from the other one!

So we have gotten burned by trying to improve our credit – scores have dropped almost 100 pts! And we have been much better paying and haven’t used Consumer Credit in over 4 years.