467 Contributions 19,079 People Helped Top Contributor

Member Since: March 2016

About Me: I am a regular guy from Miami Florida and like most regular people I've had my good and bad moments, ups and downs. I'm here to share my expertise, advice and maybe even answer some questions.
I believe in transparency and honesty and also have a twisted sense of humor.
I hold 2 degrees, one in mass communication with a minor in copy and another in business development.
I am a retired consultant and expert in development.
I came to credit karma when my credit was taken hostage by fraudulent users. I never cared for it much, and was cash and debit based for most things.
I got taken advantage off by a sweet old lady, who robbed me. I learned how to fix my errors and dedicated myself to advocating the same for others. I like.the articles on here and like reading comments and adding my own. I only use CK to monitor vantage, because I have a busy life. Credit Karma may not be the best thing since sliced bread, but it's as great as lava lamp and I recommend it to all.

I'm here to share and help out, and I don't even mind the trolls who insult me, this I life.

My Website:

Most Helpful Contribution


Feb 10, 2018
Most charge up front...
Helpful to 197 out of 450 people

They do this by calling it anything but what it really is. Charging up front is illegal under the law. The premise is simple service; theybworknfor you, to remove items from your files with methods that have worked for them before.

Anyone can learn, I own a company myself, and I give out peoples rights, all companies are supposed to do this. We don't charge upfront or out back, we don't lie. Check it out for yourself, many do it for a lot of money, some just take your money, and others actually comply with the laws and charge you less than a phone bill monthly. Clean Slate Credit org,.

Do your homework, do not pay anyone up front for anything.

Hope it helps you out.

Activity (467 Total Contributions)

Results 1-10 of 467Results per page: 5 | 10 | 25Page 1 of 47   Previous | Next

Score Discrepancy

Feb 05, 2019
Helpful to 11 out of 11 people

Credit Karma, like Cory Booker, Kamala Harris and the rest if the Democratic party machine are tools.

Is there someone I can talk with about bad credit and how to fix it?

Feb 05, 2019
Helpful to 17 out of 18 people

Bad credit can't be fixed by anything other than paying down debts. If the collections are Inaccurate, then you can dispute them.

You can do things yourself and learn your rights.
Visit: cleanslatecredit. org and whatever you do don't pay for letters.

Can I fix my credit without professional help

Jan 31, 2019
Helpful to 17 out of 18 people

Nothing. You can and have the right to do things yourself all the way. Read up on your rights at CFPB and get as much information as you can about the FCRA and the FDCPA.

My identity was stolen and he set up these accounts that are derogatory

Feb 02, 2019
Helpful to 10 out of 10 people

If you have identity theft issues or fraudulent usage issues, freese your credit files and contact the companies individually so they also know what's up.

Also, sign up with lockandalert or idnotify and lock your files so no one can apply for credit in your name.

Will Portfolio Recovery Associates actually remove a account once paid?

Jan 31, 2019
Helpful to 10 out of 10 people

Only if they have an agreement with you in WRITING. don't trust those fools further than you can throw them, and even if you're the jolly Green giant and can throw far, still don't trust them.

Get it in writing. Then you can trust their word.

I Disputed and payment history changed and score went down 80 point!

Feb 08, 2019
Helpful to 16 out of 17 people

Sure. Dispute it again.

The thing to ask yourself is: did they actually investigate it or did they say it was verified to them? The key word to look at is the them (meaning the bureau) part. While it has to be validated to them, it also has to be validated to YOU.

And that's where many people give up. Don't give up.

Make sure if you are challenging information that you are provided with the information and the method of validation they are using.

Also to remember, don't use those crap 609 letters you pull off the net. That's garbage mostly. The 609 subsection deals with identity theft concerns, so that's not the way you want to go.

Dispute it again. Get your documents provided to you. Don't just take their word for it since only documented accounts can be collected upon.

As to why the history changed, it's a good question that unfortunately can't be answered without more details, and only you see those.

Get letters at cleanslatecredit. org

Do not pay for letters.

CK just sent me an email asking if a new account is mine.

Feb 02, 2019
Helpful to 15 out of 16 people

Most collection agencies do. If it was about to drop off as you say then I'd say it's in the hands of a debt buyer, and many debt buyer collection agencies are run by gonifs.

Yes you can dispute it. Because it's illigal to reage accounts although many companies do it.

Call up or write up the CRA themselves. Don't pay for letters. Get letters at cleanslatecredit. org

They can not re age the account!!!

I never had a loan but never had a mortgage why does it show I do

Jan 23, 2019
Helpful to 9 out of 9 people

Call up the bureau and dispute it. It's usually a mixed file issue. Have then fix it up. Takes a good 72 hours. Shazam!!!!

Repair my credit

Jan 14, 2019
Helpful to 25 out of 28 people

You can do it yourself. Plenty of laws are on hand, get the free letters at cleanslatecredit. org
Don't pay for letters dude.

stolen S.S. card what should I do

Feb 08, 2019
Helpful to 14 out of 15 people

Contact the SS administration like now. Issue a fraud alert on your files (free and lasts 1 year) and then lock your files (also free).

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