Free Credit Repair Handbook http://www.freecreditrepairhandbook.com Wed, 30 Dec 2009 22:49:22 +0000 http://wordpress.org/?v=abc en hourly 1 http://www.freecreditrepairhandbook.com http://www.freecreditrepairhandbook.com/wp-content/plugins/maxblogpress-favicon/icons/favicon-11.ico Free Credit Repair Handbook Can a landlord place an eviction on your record if he never ran a credit report and never obtained your ssn? http://www.freecreditrepairhandbook.com/222/can-a-landlord-place-an-eviction-on-your-record-if-he-never-ran-a-credit-report-and-never-obtained-your-ssn/ http://www.freecreditrepairhandbook.com/222/can-a-landlord-place-an-eviction-on-your-record-if-he-never-ran-a-credit-report-and-never-obtained-your-ssn/#comments Wed, 30 Dec 2009 22:49:22 +0000 admin http://www.freecreditrepairhandbook.com/222/can-a-landlord-place-an-eviction-on-your-record-if-he-never-ran-a-credit-report-and-never-obtained-your-ssn/ I recently moved out of my residence due to a faulty and potentially dangerous water heater problem that my landlord refused to fix. The gas company would not turn on gas service due to leakage and the heater unit being unstable. When the notices were givin to my landlord he said it was not his problem. Due to safety, I notified the Dept of health who then in turn told him he was responsible. He continued to stall which forced me to move. Now he is falsely accusing me of damaging the water heater on purpose and threatening to ruin my credit report.

How can he file an eviciton if I vacated the premises prior to my last month rent being due and notified him of my intention to vacate? I also did not fill out an application and therefore he does not have my social security number.

Should I fight this with him or let it go?

]]> http://www.freecreditrepairhandbook.com/222/can-a-landlord-place-an-eviction-on-your-record-if-he-never-ran-a-credit-report-and-never-obtained-your-ssn/feed/ 5 Identity theft possibly , cant get my credit report/applying for car loan? http://www.freecreditrepairhandbook.com/209/identity-theft-possibly-cant-get-my-credit-reportapplying-for-car-loan/ http://www.freecreditrepairhandbook.com/209/identity-theft-possibly-cant-get-my-credit-reportapplying-for-car-loan/#comments Wed, 30 Dec 2009 13:53:24 +0000 admin http://www.freecreditrepairhandbook.com/209/identity-theft-possibly-cant-get-my-credit-reportapplying-for-car-loan/ My bank USAA cant get me a 9,000 dollars loan for some reason. Thats relatively low and they cant explain why.
I went to get my credit report and it says i could have a security freeze, Active Duty military or fraud alert.
I am an AD soldier, is someone trying to steal my identity and how do I fix this?!! I need that car loan.
****new info;hey about the experian and other agencies, not temporary but if i permanetly take this security free off am i safe? i didnt put one on and i dont know why I have it.!! Or is temporary the best way for the 15 days dusty so i can get it approved for this car?? ]]> http://www.freecreditrepairhandbook.com/209/identity-theft-possibly-cant-get-my-credit-reportapplying-for-car-loan/feed/ 4 How can i get a secured loan even though i have bad credit? http://www.freecreditrepairhandbook.com/215/how-can-i-get-a-secured-loan-even-though-i-have-bad-credit/ http://www.freecreditrepairhandbook.com/215/how-can-i-get-a-secured-loan-even-though-i-have-bad-credit/#comments Wed, 23 Dec 2009 20:07:34 +0000 admin http://www.freecreditrepairhandbook.com/215/how-can-i-get-a-secured-loan-even-though-i-have-bad-credit/ I have property that can have a house built on it. It is ready for construction. but my credit ***** and i have been going back and forth with the credit agencies because half of the stuff on my credit is not mine one credit place fixed it equifax so my equifax or experian report is clean and i got turned down not because of bad credit but because there wasnt enough on my credit?
no i dont want to build on it. I have a home that I live in. I only owe 3000 then it will be mine. I want to get a loan to pay it off and do some home improvements I have no desire to build on this land. But its well worth 25,000 to 30,000 and I am looking to borrow about 20,000 after I finish my home improvements im going to use what is left towards paying back the loan. ]]> http://www.freecreditrepairhandbook.com/215/how-can-i-get-a-secured-loan-even-though-i-have-bad-credit/feed/ 5 Help me fix my credit? http://www.freecreditrepairhandbook.com/225/help-me-fix-my-credit/ http://www.freecreditrepairhandbook.com/225/help-me-fix-my-credit/#comments Mon, 21 Dec 2009 03:29:21 +0000 admin http://www.freecreditrepairhandbook.com/225/help-me-fix-my-credit/ How can I fix my credit report on my on without an attorney? Is there a form I need to fill out? Will writing letters to previous creditors help? I need to boost my credit score! ]]> http://www.freecreditrepairhandbook.com/225/help-me-fix-my-credit/feed/ 9 credit report wrong? http://www.freecreditrepairhandbook.com/228/credit-report-wrong/ http://www.freecreditrepairhandbook.com/228/credit-report-wrong/#comments Mon, 21 Dec 2009 02:14:07 +0000 admin http://www.freecreditrepairhandbook.com/228/credit-report-wrong/ the day after my 18th b-day(feb ,10 ,06) i tried to start a sprint account, but the credit check kept coming back saying that i had once had a write off with them, when thats impossible, because u cant get a phone in your name until ur 18,and i had never even had a cell phone before then period. this happened twice then they kept sending my mail saying it too and that if i opened an account it couldnt be a regular one. who should i go to ,to fix this mistake on my credit that ive never used ]]> http://www.freecreditrepairhandbook.com/228/credit-report-wrong/feed/ 10 How can I raise my credit score of 597? Current Student Loans, nothing late? http://www.freecreditrepairhandbook.com/203/how-can-i-raise-my-credit-score-of-597-current-student-loans-nothing-late/ http://www.freecreditrepairhandbook.com/203/how-can-i-raise-my-credit-score-of-597-current-student-loans-nothing-late/#comments Thu, 17 Dec 2009 16:15:11 +0000 admin http://www.freecreditrepairhandbook.com/203/how-can-i-raise-my-credit-score-of-597-current-student-loans-nothing-late/ About 8 months ago I finally paid off all outstanding debt with a Credit card that had been delinquent. Now the only things that are on my report are my student loans I’ve been paying for almost a year (always on time, and there’s 15,000 left to go) and a Target Credit Card, for which I am on time and owe $155.
I NEED to buy a car SOON but by bank denied my request for a $7000 loan.
I make about $2000 a month. What are my best options for buying another car now, becuase mine is about to DIE. Are there any quick credit fixes? There are no errors on my credit report. Thanks!
In your answer, please remember that I NEED A CAR NOW.. I don’t have time to save up for one, or time to save up to fix mine up. This one has a max of about 2 months left.. ]]> http://www.freecreditrepairhandbook.com/203/how-can-i-raise-my-credit-score-of-597-current-student-loans-nothing-late/feed/ 0 What do all of the different statuses mean on my credit report? http://www.freecreditrepairhandbook.com/213/what-do-all-of-the-different-statuses-mean-on-my-credit-report/ http://www.freecreditrepairhandbook.com/213/what-do-all-of-the-different-statuses-mean-on-my-credit-report/#comments Mon, 14 Dec 2009 01:33:06 +0000 admin http://www.freecreditrepairhandbook.com/213/what-do-all-of-the-different-statuses-mean-on-my-credit-report/ My wife had destroyed credit when we got married, and I am doing everything under God I can to fix it. I am down to the final 5 (BIG) bills, but am having trouble understanding what they all mean, and if I even have to pay them. Here are the statuses of the 5…Can someone please explain what they all mean, and are any of them at a point where it would be pointless to dump money into them, and would it just be a better bet to just wait the time out until they come off of her report in a few years?

#1 – Account charged off/Past due 180 days
#2 – Transferred,closed/Account charged off
#3 – Collection account
#4 – Collection account
#5 – Account charged off/Repossession

What do I do??

]]> http://www.freecreditrepairhandbook.com/213/what-do-all-of-the-different-statuses-mean-on-my-credit-report/feed/ 3 I cant find a way to get my free credit report. Help? http://www.freecreditrepairhandbook.com/202/i-cant-find-a-way-to-get-my-free-credit-report-help/ http://www.freecreditrepairhandbook.com/202/i-cant-find-a-way-to-get-my-free-credit-report-help/#comments Mon, 07 Dec 2009 02:11:19 +0000 admin http://www.freecreditrepairhandbook.com/202/i-cant-find-a-way-to-get-my-free-credit-report-help/ Someone has used my brothers social security number and gotten his credit report. He needs to get one himself and (annual credit report.com) now they won’t let him. Because annual credit report has locked his account. And all the other companies say that he is entitled to just one, (which someone has already gotten). So what can he do to fix this mess. Does anyone know who he can call or anything. thanks
Annual credit report locked his account (i guess its an acct) because someone asked for his report falsley so they don’t want it to happen again. They told him he has to go through another site to get it. but the 3 biggest ones. equifax, experian etc all use annual credit report. so that’s making him go in circles. completely ridiculous. ]]> http://www.freecreditrepairhandbook.com/202/i-cant-find-a-way-to-get-my-free-credit-report-help/feed/ 3 Help with fixing credit so I can buy a home? http://www.freecreditrepairhandbook.com/237/help-with-fixing-credit-so-i-can-buy-a-home/ http://www.freecreditrepairhandbook.com/237/help-with-fixing-credit-so-i-can-buy-a-home/#comments Sun, 06 Dec 2009 05:12:32 +0000 admin http://www.freecreditrepairhandbook.com/237/help-with-fixing-credit-so-i-can-buy-a-home/ I recently spoke with Texas Lending.com to find out if my husband and i qualify for a home based on our credit and if not what do we need to do to be ready within 6-9 mos. She stated our credit score was less than 500 and she could not help us. My question is by paying off doctor bills on credit report raise our credit score? Does anyone know any mortgage companies that handle high risk credit? Any advice on getting your credit score raised would be very appreciated! ]]> http://www.freecreditrepairhandbook.com/237/help-with-fixing-credit-so-i-can-buy-a-home/feed/ 6 What happens when credit card debt drops from your credit report? http://www.freecreditrepairhandbook.com/200/what-happens-when-credit-card-debt-drops-from-your-credit-report/ http://www.freecreditrepairhandbook.com/200/what-happens-when-credit-card-debt-drops-from-your-credit-report/#comments Sat, 05 Dec 2009 18:20:29 +0000 admin http://www.freecreditrepairhandbook.com/200/what-happens-when-credit-card-debt-drops-from-your-credit-report/ I allowed my family to use my credit card and they did not make payments. Now, I have to settle the debt. It is suppose to expire from my credit report in September.

What happens when the debt drops?
Will it still affect my score?
How much of my paycheck can be garnished?
Also, can they still garnish after the debt drops from my credit report?

I am currently unemployed, due to the fact that I am a student, but when I get a job I want to make sure I won’t be working for free!

Please no comments about my family – what’s done is done and now I have to fix it.

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