5k có một người bạn hỏi thăm về cách làm thế nào đễ cưu' gở đươc "bad credit", 5K cũng chi/ góp ý được một chuc' thôi vì tùy thuộc vào level...bad như thế nào. CŨng có 1 số công ty quảng cáo giúp đợ cho mình xóa đi bad credit, và lấy 1 số thù lao.
Còn nếu tự mình muốn sữa/fix bad credit thì chỉ có cách:
1. Trả tiền CC hay tiền nợ, bill, hàng tháng...đúng thời han.....hihihi...chuyẹn này là dĩ nhiên và ai cũng biết
2. Viêt thơ gỏi đến chủ nợ, giải bầy và ca bài con cá sống vì H2O....cái này lại có 2 trương hợp:
2.1 Nếu mình bị....oan, chụp mũ (chuyện này cũng xảy ra nhiều vì hệ thống computers, system, human mistaken, etc....), thì viết thơ theo cách khác và gởi đến chủ nợ, collection agency, và 3 hãng credit bureau. Nghĩa là đại khái, trong lá thư, mình đòi họ chứng minh giấy tờ về số nợ đó, và nếu họ ko chứng mình được thì đòi hỏi phai" thây đổi/take out bad/negative accout trong credit history của bạn
2.2 Trường hợp thứ 2 là...bị đúng rồi. Trã trể hạn kỲ, không trả, etc....Cái này thì trong lá thư bạn xin pay off, giải bày trường họp tại sau ban...trong trả dúng ạn kỳ, năn nỉ ỉ ôi......ca tiếp bài con cá....thư này bạn gỏi cho chủ nợ.
Đôi khi thơ gởi 5/7 cái + nhiều cái phone calls mà..."thư không thấy hồi âm" thí chỉ còn 1 cách là bạn post thư/letter lên những forums trên internet. 5K không biết nhiều nhưng xin giới thiệu đến các bạn forum này. (check ben trái là bạn muốn complain, hay write a letter, etc....)
http://www.planetfeedback.com/Website này đã giúp được nhiều ng` rỡ rối tơ lòng....khi bạn post lên forum đó trình bày problem của mình và yeu cầu, thì forum sẻ gởi letter của bạn đến thẳng CEO của những..chủ nợ, công ty, etc....
Nếu trong thơ, lời văn không được rành rẻ, thì bạn có thể nhờ Mod, sửa đổi giùp.
5K tốn rất nhiều thời gian, phone calls, letters, etc....mà như là nước đỗ lá môn.....Cuối cùng 5K đã nhờ website này, nói lên tiếng nói giùm, mà gở được 1 cái negative account từ Verizon
Another
to planetfeedback.com
Trong lúc tìm cách chiến đấu với Verizon, 5K có collects vài thí dụ về the letters. 5K bỏ đi vũng nhiều nhưng chỉ giữ lại 1 số, post lên đây hy vọng sẻ giup các mít get đươc idea xem nên viêt thư theo dạng nào. Tùy trường hợp mà mình thây đổi lá thư cho thích hợp hén.
Chúc các bạn may mắn !
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THơ năn nĩ - Good Will Sample letter requesting a creditor to remove a late payment because you've been a good customer.
Date
Company name
Address
Re: Acct # XXXX-XXXX-XXXX-XXXX
Dear CEO name,
I am writing to you today regarding my credit card account #4236-XXXX-XXXX-XXXX which I had while I was a medical student at ------------------------------------. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.
During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in June of 2006.
I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.
As soon as I became aware of the balance I contacted ----------------- and paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with ----------- is not a good indicator of my actual credit worthiness. I hope that ---------------- is willing to work with me on erasing this mark from my credit reports.
I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with ---------------). I am simply asking -------------for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be ------------- normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that ------------- will do that in my case for this account.
Your kind consideration in this matter is greatly appreciated.
Best Regards
Name
123 Your Street Address
Your City, ST 01234
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Sample letter - Removal of Inaccurate Information
Your Name
123 Your Street Address
Your City, ST 01234
The Credit Bureau
Bureau Address
Anytown, State 56789
Date
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted my lifestyle.
optional With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.
The following information therefore needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
Please delete the above information as quickly as possible.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
Attachment included.
Don't forget to provide proof if you have it!
Keep a copy for your files and send the letter registered mail.
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Sample letter - Removing inquiries
Re: Unauthorized Credit Inquiry
Dear American Express,
I recently received a copy of my Experian credit report. The credit
report showed a credit inquiry by your company that I do not recall
authorizing. I understand that you shouldn't be allowed to put an
inquiry on my file unless I have authorized it. Please have this
inquiry removed from my credit file because it is making it very
difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt
response to this issue. Please be so kind as to forward me
documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you did have my authorization to
inquire into my credit report, then please send me proof of this.
Thanking you in advance,
Jane Caveat-Debtor
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Sample letter - Requesting the removal of inaccurate information
To Whom it May Concern:
Steve S.
SSN XXX-XX-XXXX
Address: 1 E. Any Street, Anytown, USA
(Current address for last 5 years)
DOB: 1/1/00
I've just reviewed my credit report and have noticed there are several inaccurate items on my report:
Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.
Sears Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.
Universal Acct: xxxxx-xxxxx-xxxx-xxx:
This account is listed as being 30 days late. I have never been late on this account.
In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:
Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:
GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:
Macy's Acct: xxxxx-xxxxx-xxxx-xxx:
I have enclosed a copy of my driver's licence as proof of identity.
Sincerely,
Steve S.
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Sample letter - The Letter to Send to the Credit Bureaus After the Collection Agency Fails to Validate Your Debt
Company
Address 1
Address 2
City, State Zip
Date
RE: Account XXXXX-XXXX-XXXXX
Dear Sir/Madam:
I am continually being called on the telephone by your firm over an alleged $9000 debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation:
Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862; 2001 Ind. App. LEXIS 509 and
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704(D.Conn., Oct. 29, 2002) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain: The source of a debt and the amount a bad debt buyer paid for plaintiff's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Intimate knowledge of the creation of the debt by you, the collection agency.
I'm sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to an uneventful resolution of this matter.
Sincerely,
Signature
Your Name
Your Address
City, State Zip
enclosures
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Sample letter - Attempt to Validate Debt.
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Name
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Sample letter - Debt Validation
<Name>
<Address>
<Collection Agency>
<Collection Agency Address>
<Date>
Re: Acct XXX-XX-XXXXX
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
Sincerely,
<Name>
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Sample letter - Request to Original Creditor to Verify a Debt
<Your Name>
<my address>
<your credit card company name>
<Company address>
<Date>
Re: Acct #XXX-XXX-XXXXXXX
To Whom It May Concern:
I recently pulled my credit report from Experian and TransUnion and to my amazement, saw that you recently have decided to report me 30 days late on this account in Nov 2003. I immediately disputed this information with Experian and TransUnion and the results of the investigation came back "verified". Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings.
Since I have disputed the lates with the credit bureaus, and you obviously "verified" them, I am very curious as to what kinds of "records" you may have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I am reprinting the legal text from the FCRA for your legal staff.
§ 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER-
(A) IN GENERAL- The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
(B) CONSIDERATIONS- In prescribing regulations under subparagraph (A), the agencies shall weigh--
(i) the benefits to consumers with the costs on furnishers and the credit reporting system;
(ii) the impact on the overall accuracy and integrity of consumer reports of any such requirements;
(iii) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute; and
(iv) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403(3), including entities that would be a credit repair organization, but for section 403(3)(B)(i), are able to circumvent the prohibition in subparagraph (G).
(C) APPLICABILITY- Subparagraphs (D) through (G) shall apply in any circumstance identified under the regulations promulgated under subparagraph (A).
(D) SUBMITTING A NOTICE OF DISPUTE- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that--
(i) identifies the specific information that is being disputed;
(ii) explains the basis for the dispute; and
(iii) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
(E) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph (D), the person that provided the information in dispute to a consumer reporting agency shall--
(i) conduct an investigation with respect to the disputed information;
(ii) review all relevant information provided by the consumer with the notice;
(iii) complete such person's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611(a)(1) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and
(iv) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
(F) FRIVOLOUS OR IRRELEVANT DISPUTE-
(i) IN GENERAL- This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including--
(I) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or
(II) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection (b), with respect to which the person has already performed the person's duties under this paragraph or subsection (b), as applicable.
(ii) NOTICE OF DETERMINATION- Upon making any determination under clause (i) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person.
(iii) CONTENTS OF NOTICE- A notice under clause (ii) shall include--
(I) the reasons for the determination under clause (i); and
(II) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
and
§ 623. (b) Duties of furnishers of information upon notice of dispute.
(1) In general. After receiving notice pursuant to section 611(a)(2) [§ 1681i] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall
(A) conduct an investigation with respect to the disputed information;
(B) review all relevant information provided by the consumer reporting agency pursuant to section 611(a)(2) [§ 1681i];
(C) report the results of the investigation to the consumer reporting agency;
(D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis; and
(E) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly--
(i) modify that item of information;
(ii) delete that item of information; or
(iii) permanently block the reporting of that item of information.
I will seek legal action under § FCRA 623 (b) for violations of the FCRA if you do not comply and respond to me with the results of the investigation in 30 days.
In order to clear up this matter, I would like to see, a payment history from your company showing me I was late on these dates. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.
To avoid a lawsuit, I request that you remove my late payments and also the "account closed by credit grantor" from my credit report. Though I am entitled to $3,000, $1000 for each violation (one for each inaccurate late payment on my account for each credit bureau), I will take $1000. Please correct this listing to "paid as agreed - never late", and remove late for <insert date of late(s)>, or I will be forced to seek legal action.
Sincerely,
<Your name>
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Follow up letter to initial credit bureau contact.
Your Name
123 Your Street Address
Your City, ST 01234
Credit Bureau
Credit Bureau Address
Some City, Any State 56789
Date:
RE: Dispute Letter of Date you sent in first or subsequent requests
Dear Credit Bureau,
This letter is formal notice that you have failed to respond to my dispute letter of date. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on some date.
As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
The following information therefore needs to be verified and deleted from the report as soon as possible:
CREDITOR AGENCY, acct. 123-34567-ABC
Please delete this erroneous item from my credit report as soon as possible.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
----------------------------------------------------------------------------------Mít nào có thêm sample letters hay ý kiến gì thì post lên hén 
nhưng nghe nói mỗi lần mình kiểm tra điểm credit thì sẽ bị mất điểm đôi chút thì phải?