doowoplover534

6 Contributions 478 People Helped

Member Since: August 2012

Most Helpful Contribution

What is a Derogatory Mark?

Jan 05, 2014
Helpful to 330 out of 402 people

First of all ,how did these credit companies come into being? Whatever happened to our PRIVACY? Where these Bureau's know your every financial move  A disgrace. The system is RIGGED in favor of the rich 1% who own everything .They try to keep your credit rating low so they can charge more interest and make more money.God bless America.  These bureau's were created and exist thanks to SELLOUT politicians. THis should be ILLEGAL and unconstitutional.

Activity (6 Total Contributions)

How to dispute an error on your credit report

Mar 31, 2015
Helpful to 142 out of 151 people

I have 31 accounts on record every account is ok never paid late I am up to date and pay on time yet when a creditor goes to collection for a disputed 353.00  due to the fact that i didn't know at the time it was for a deductable at the beginning of the year.When i found out the reson for the charge i paid it off in full Then a cell phone company brought to collections a termination fee that i also disputed for the wrong amount they said i owed, my credit score dropped about 75 b to 100 points Never mind that ALL by other accounts are being paid on time 2 disputed collections have dropped my credit score to  apoor rating. Even though all my accounts have been paid on time. This credit scoring is RIGGED against the consumer.Any little negative item will drop you down like a rock anything good and your score will increase at a snails pace .I am considering a lawsuit against these credit bureaus that work for the corporations,not to mention the invasion of privacy ,knowing every penny that is being spent.Just ourageous.I sent copies of the documents backing my claim and i am waiting for the credit burea;s response . Anxious to see if my good credit rating is restored. We have to prove our innocence   These corporations ,can ruin you with false information and they don't have to prove anything to the credit bureau to get it on your record.It can be there for months, years ,without you knowing it .Reform is long overdue. Of course ,a lower rating means more money they can make off you. A disgrace

What is a Derogatory Mark?

Jan 05, 2014
Helpful to 330 out of 402 people

First of all ,how did these credit companies come into being? Whatever happened to our PRIVACY? Where these Bureau's know your every financial move  A disgrace. The system is RIGGED in favor of the rich 1% who own everything .They try to keep your credit rating low so they can charge more interest and make more money.God bless America.  These bureau's were created and exist thanks to SELLOUT politicians. THis should be ILLEGAL and unconstitutional.

Top 5 Credit Misconceptions Debunked

Sep 19, 2012
Helpful to 2 out of 2 people

I'ts all planned that way. The more negatives the higher the interest rates the corporations will give you. Seems like COLLUSION  between the credit agencies and the companies extending credit.Monitor the reports and challenge anything you don't agree with

The do’s and don’ts of closing old accounts

Jun 30, 2015
Helpful to 1 out of 1 people

Enter Your Reply Samr thing happened to me I paid off a loan at lending club and my score dropped also . Seems like this FICo score is rigged for us not to improve our financial situation. The FICO score should increase  because of the improvement not decease. I am consulting an attorney for a possible lawsuit for ruining my credit .Lower scores mean higher interest if you get a loan or ask for credit.It;s rigged . 

how can i raise my crdit score 100 points in 6 months

Sep 04, 2012
Helpful to 1 out of 1 people

I believe you Jesse. The reason for that is that the credit bureaus work for the companies . The lower your score the higher the interest rates and the companies make more money from us. The best thing to do is hire a law yer and dispute your reports. They supposed to remove items that are 7 years or over on your reports,but they don't . They have to be challenged or your score will forever be lower then it should be.

How to dispute an error on your credit report

Apr 16, 2015
Helpful to 2 out of 3 people

I have ,on all my accounts a payment history of never missing a payment All paid on time ,Because of 2 incorrect collection notices my FICO score is POOR?  Something is very wrong here. Why don't the credit bureau';s investigate any addtion to the credit reports  with the person it's going to first? Not the other way around.We have to prove our innocence .The creditors aren't proving anything First ask the person who's name is on the credit report .This is nothing but a scam to help the creditors gain more money through lower scores A ripoff