07-24-2012 06:08 PM
07-25-2012 03:18 AM
Rootpooty, ~ hope I got that right,.~ I started out with approximately the same amount of medical as your girlfriend, does she by chance have a limited income since the car accident? ~ I ask because I sent in a lot of letters to the Hospitals explaining my circumstances.. ~~patient assistance application~~~ ~ dear XYZ -~~ ~~~~~~ Since becoming ill in 2009 my income has been limited. ~ I owe appx 35-40k to others creditors also. Etc etc ~ I have most if not all of my debts excused, .. some were reduced 85%~ ~~~ ~~~ I have been absolutely amazed at what asking can do for your pocket, of course I did have to prove how much I did owe and my income but It can never hurt to ask. !!!
yeah she has limited income. maybe works 20 hrs a week. shes been turned down alot of job oppurtunities due to the medical on her credit and no credit card company even wants to look at her. im going to look into what you mentioned thanks for the info. we are not married but we live in the same household so i wonder if they would try to look at my income.
07-25-2012 06:57 AM
07-25-2012 07:17 AM
Anyone have experience with LL in regards to removing collection accounts? How do they handle collection accounts that have not yet been paid? Will you be forced to pay them if using LL or will LL remove them via other methods (DV, cra disputes, etc)
I'm just wondering if signing up for them will result In situations like this: we can remove this collection account, please pay $xx.xx and it will be removed.
Anyone have more insight as to how they operate?
I will tell you about my experience with a different, but very similar credit repair company. I won't mention their name, and won't bash them as I don't think they did anything wrong.
They did the usual dispute stuff for me, sent out the letters, etc.
They had some immediate successes in getting unpaid collections removed from my report.
However, during this process, they also inadvertenly updated all the collection agencies with my new address and phone number (I moved to a new address in Sept 2011).
With that being said, the collection calls and snail mail started coming in. Also the entries that were deleted, reappeared the following month.
I got fed up and started doing PFDs with a few successes and GW letters to CAs I had already paid.
Progress is slow, but I am now starting to see my efforts pay off with small score increases.
Lesson learned - everything the companies do for you, you can do yourself.
The people here have provided me with so much information and education (I've lurked here for a long time). If you have the means and want to use one of those companies then go ahead.
07-25-2012 12:49 PM
I'm with Lexington as well...I thought we weren't allowed to discuss credit repair sites on here? *shurg*
Linking to certain sites such as LL and others is not allowed but talking about LL is ok. The problem starts when discussion of some of the unethical tactics used and/or recommended by other sites is posted. That is never allowed. Plus from time to time there are posters who come online who are clearly shills for LL and attempt self promotion.
One of the most popular recommendations of some sites is to "dispute everything on your reports". The forum's Credit Repair Discussion Guidelines clearly say that you should only dispute information that you truly believe to be incorrect.
You can even say the name of that "other" site but no links.
07-25-2012 01:06 PM
11-03-2012 08:22 PM
My results so far two months in with Lexington are 5 deletions from Equifax, 8 Experian, 4 Transunion and my scores have jumped from HIGH 400's/low 500's to 614 Transunion, 599 Equifax, and 589 auto enhanced Experian.. Was able to get a capital one card and a Kays card with a 1650 CL also Ford Credit preapproved me late friday for a new F-150 at 5.9% hope to finalize Monday. Got all the paperwork signed but told them I wouldn't take delivery until the deal was sealed with FMC.
11-03-2012 11:40 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.