Oneangrydude

512 Contributions 21,391 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: http://www.cleanslatecredit.org

Most Helpful Contribution

REPUTABLE CREDIT REPAIR COMPANIES???

Feb 10, 2018
Most charge up front...
Helpful to 309 out of 645 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 (512 Total Contributions)

Results 1-25 of 512Results per page: 5 | 10 | 25Page 1 of 21   Previous | Next

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

Jan 23, 2019
Helpful to 23 out of 23 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!!!!

I need help finding out if I have identity theft

Feb 02, 2019
Helpful to 20 out of 20 people

Check your credit reports. If you see things that are suspicious then call up the credit bureaus or CRA's and freeze your files.

Popular firms to use for fixing my credit report

Jun 29, 2019
Credit repair advocates...
Helpful to 19 out of 19 people

With a sense of humor not a sense of urgency.
Visit CLEANSLATECREDIT. org and learn your rights. Learn what can and can't be done. What is real and what is hyperbolic euphemistic language.
Get free letters, DIY dispute codes and assistance if needed.

Don't cost nothin' to learn dude

Hi, it is showing my credit score as N/A. How do i update that?

Jun 29, 2019
Helpful to 19 out of 19 people

You see that when you have no credit. You will also see wording like NO DATA.

Get some accounts, start building your credit history. Learn your rights at cleanslatecredit. org

Don't pay for free information. Do things yourself whenever possible.

Transunion score varies from what is displayed vs the true score

Jan 23, 2019
Helpful to 28 out of 29 people

Vantage model sucks. Use it and learn from it. It's garbage.

FICO is the one that matters. The former is a model that culls data from the top 3 indiscriminately to formulate a score.

The latter (FICO) is a custom model generated for each particular acounts. All the difference in the world. That's why it's TRUSTED.

Will medical Bill's in collection affect me getting a home loan?

Jun 29, 2019
Helpful to 18 out of 18 people

All derogatory/defaulted items will. If you disagree with it or have some data on it, dispute it with the CRA listing it.

Learn your rights at cleanslatecredit. org

Get free information and letters. Don't pay for free stuff.

I am seeking credit payoff advice

Feb 08, 2019
Helpful to 18 out of 18 people

Contact a lawyer, no one here is qualified to give legal advice unless they themselves are lawyers.

The justice department has vetted attorneys and you can also contact a national non-profit.

The truth is you need legal advice, this forum is for general queries and information. I've yet to see one person give legal advice.

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

Feb 05, 2019
Helpful to 35 out of 37 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.

any free assistance for credit repair

Jun 29, 2019
Advocacy with a sense of humor...
Helpful to 17 out of 17 people

Not a sense of urgency!

Visit cleanslatecredit. org and learn your rights and all the wrongs. Get free letters. Do things yourself whenever possible. Don't get shafted or wazoo blasted.

Need help repairing my credit

Jun 29, 2019
Helpful to 17 out of 17 people

Visit cleanslatecredit. Org and learn your rights. Don't pay for letters or free info.
This is a public forum. Tread carefully with personal info up in this place.

Collection included in Bankruptcy still shows open

Jun 29, 2019
Helpful to 17 out of 17 people

Learn your rights dude. Visit cleanslatecredit. org don't get shafted or wazoo blasted

why can't i get my full credit report on credit karma?

Jun 29, 2019
Helpful to 17 out of 17 people

Credit karma is a tool at best (it's really a platform that provides you with a useless score in hopes up selling you products which they earn commission on. But let's pretend we don't know that).
Visit: annualcreditreport. com and pull your free reports. Don't pay anyone to interpret it for you. Interpret it yourself.
Get free letters at cleanslatecredit. org learn your rights.

Reputable credit repair?!

Jun 29, 2019
Learn your rights
Helpful to 41 out of 44 people

Visit cleanslatecredit. org
Learn your rights and all the wrongs.
Don't pay for free information or letters. Do things yourself, you have rights

why are you guys always three or four weeks behind? and why will you not follow up on my dispute??

Jun 29, 2019
Helpful to 16 out of 16 people

Dude CK can't read this. Listen Buddy, visit cleanslatecredit. org and get some free letters and fight. Don't pay anyone jack chit. Do things yourself whenever possible.

Which is the best credit repair company?

Jun 29, 2019
Helpful to 16 out of 16 people

Anyone that doesn't Rob you and lists your rights in full. Anyone that doesn't charge you upfront. Visit cleanslatecredit. org and learn your rights. For Pete's sake don't pay for free stuff.

Shuold I get personal loan or new credit card

Jun 29, 2019
Helpful to 16 out of 16 people

A loan may have a lower interest rate. Ask your bank. Your new line will dent your score but so what, they all do it. Build from there and for God's sake don't borrow more than you need. You should do great. For free information on national non profits visit cleanslatecredit. org

Don't cost nothin'to learn your rights

Can I fix my credit without professional help

Jan 31, 2019
Helpful to 32 out of 34 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.

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

Feb 08, 2019
Helpful to 31 out of 33 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.

i disputed collection company and they sold it to another collection co. what should I do next.

Jun 29, 2019
Helpful to 15 out of 15 people

Keep disputing until they actually provide you with information on the debt. Get some info on the Fair Debt Collection Practices Act and get free letters at cleanslatecredit. org

Don't pay for free stuff dude.

How to fix/repair my credit on my own?

Jun 29, 2019
Helpful to 22 out of 23 people

Why would you think of giving anyone on a forum access to your SSN??! Don't do that without a contract at least. All these so called hackers as scam artists.
Learn your rights at cleanslatecredit. org for Pete's sake.

So, you drop my scores due to using my credit card for Xmas?! What happened to based on history pymt...

Feb 05, 2019
Helpful to 22 out of 23 people

Credit card companies play the same rigged game that banks do. Keep your score down/charge you more interest. Keep us jumping through hoops. This surprises you?

But your depends on more that usage and history, it's a balance if that and a tad more. Vantage isn't even real world, since it collects data from the top 3 indiscriminately.

Learn from it but don't take it serious.

old collection company still on my report how can I get it removed

Jun 29, 2019
Helpful to 14 out of 14 people

Dispute it. You can call up the CRA yourself or get the letters to fight it. Or you can wait. Whatever you do don't pay for free info. Visit cleanslatecredit. org

Reputable credit repair?!

Jun 29, 2019
Helpful to 14 out of 14 people

Any company that lists your rights in full and doesn't blow smoke up your tail pipe is a good start
Don't pay for letters or free info. Visit cleanslatecredit. org and learn your rights. Don't cost nothin'

I need to remove an employer i no longer work for

Jan 31, 2019
Helpful to 14 out of 14 people

Why would you want to? As long as you didn't get caught stealing pencils you're alright. Matter of fact, you could have stolen office furniture and it wouldn't matter.

But if you want that changed, call up the CRA and have them do it. It's simple.

Charge off accounts

Jan 30, 2019
Helpful to 28 out of 30 people

After 7 years they age off, so if you can wait them out, wait them out.

If you believe them to be wrong in some major way (not wrong by a digit or something minimal) go ahead and dispute them, since only debts that are accurate and verifiable can be collected upon.

If you can swing a pay per delete, go for it. The companies may work with you (it's up to them).

If you need letters for God's sake don't pay anyone, get them for free.

Before you do anything learn your rights at the FTC, CFPB or at cleanslatecredit. org

Results 1-25 of 512Results per page: 5 | 10 | 25Page 1 of 21   Previous | Next