Search found 7 matches

by Hello MFC-Robert
Sun Jun 21, 2015 5:27 pm
Forum: Theft of Identity
Topic: What is a Security Freeze and How Much Can it Cost or Is it
Replies: 0
Views: 8225

What is a Security Freeze and How Much Can it Cost or Is it

Under California law (Cal. Civil Code Section 1785.11.2), a security freeze is placed by a consumer credit reporting agency at the request of the consumer. The consumer must make the request in writing directly to a specific credit reporting agency. Once in place, the consumer credit reporting agenc...
by Hello MFC-Robert
Mon May 18, 2015 4:51 pm
Forum: Dispute Letters
Topic: FCRA Primer for Consumers with Credit Card Debt
Replies: 0
Views: 5645

FCRA Primer for Consumers with Credit Card Debt

This is a basic guide for people who have credit card accounts that show false late payments on their consumer credit reports of a major consumer reporting agency (“CRA”), such as Experian, Equifax or Trans Union, also known as “the Big Three.” Even though this is a basic guide, these steps also app...
by Hello MFC-Robert
Wed Feb 25, 2015 9:33 pm
Forum: Dispute Letters
Topic: How to remove a disputed judgment from your credit reports
Replies: 0
Views: 4531

How to remove a disputed judgment from your credit reports

There would be several steps I suggest when someone contacts me about a court judgment that is on their credit report. My first step is to use the information from the credit report to look up the case in the court’s records to evaluate whether the judgment is valid and unsatisfied. Also, I would ne...
by Hello MFC-Robert
Thu Feb 12, 2015 10:55 pm
Forum: Credit Errors
Topic: If Delinquent Debt is Extinguished Should It Be Reported
Replies: 1
Views: 5208

Good News for California Homeowners Who Had a Foreclosure

During the Great Depression, back in the 1930s, many home buyers had their homes foreclosed. Such foreclosure sales were often quick sales to the highest bidder on the steps of a courthouse, not inside a courtroom where a judge could order an appraisal and supervise the sale. Then, the bank or other...
by Hello MFC-Robert
Sat Jan 31, 2015 9:13 pm
Forum: Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies
Topic: Credit Scoring of Medical Debts: FICO-9
Replies: 0
Views: 6724

Credit Scoring of Medical Debts: FICO-9

You’ve probably read the latest news that Fair Isaac Corporation (aka “FICO”) issued a new version of its popular credit scoring model, FICO Score 9 which will help millions of Americans who have medical debts on their credit reports. FICO’s website explains that the new model will consider “paid co...
by Hello MFC-Robert
Sun Jan 18, 2015 4:02 pm
Forum: Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies
Topic: Is there any value in knowing your credit score for free?
Replies: 0
Views: 4850

Is there any value in knowing your credit score for free?

For January, financial commentators encourage people to take stock their financial goals at the start of the new year, including improving our credit scores. Thanks to the 2003 amendment of the Fair Credit Reporting Act, each American consumer with a credit history can get a free credit report once ...
by Hello MFC-Robert
Mon Aug 18, 2014 10:13 am
Forum: General Discussions, Forum Registration, and ID Theft and Credit-Related News Stories
Topic: Test post
Replies: 1
Views: 2201

Re: Test post

Testing replying to a post.

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