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Credit - Is You're Credit Good
Common Myths of Credit Repair
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Click on
the questions below for more
information.
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When I
pay off a past-due account,
such as a charge off or a
collection account, will
that repair my credit? |
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If I
succeed in repairing a
negative item, will it come
right back on my credit
report? |
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Are there
negative listings, such as
bankruptcies and
foreclosures, that are
impossible to repair? |
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I've
heard that repairing the
credit report is easy and
any consumer can do it
himself for the price of a
few postage stamps. Is that
true? |
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If I
declare bankruptcy, will it
repair my credit and can I
begin my credit report all
over with a clean slate? |
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Can I
file a "100-word statement"
on my credit report
explaining my side of the
story and will creditors
read my statement and
consider my credit repaired? |
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By
changing numbers in my
social security number or by
using an EIN tax number, can
I repair my credit and fool
the credit bureaus into
creating a completely clean,
new credit file under my
name? |
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If I
build enough good credit,
will it offset my bad credit
and repair my credit? |
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If I'm
having trouble paying my
bills, can I go to Consumer
Credit Counseling Service
and will they help me to
repair my credit? |
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Is it
illegal for creditors to
take a negative, accurate
listing off my credit
report? They tell me that
the law requires that these
items remain on the credit
report for at least seven
years and that they won't
repair my credit. |
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How hard
is it to repair my own
credit? |
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When I pay off a past-due account,
such as a charge off or a collection
account, will it show "paid" and no
longer be considered negative?
It is quite
difficult to repair your credit
without somehow satisfying your
outstanding debts. However, the act
of paying off a debt will not
improve your credit rating much, if
at all. Negative credit is allowed
to stay on the credit report for a
maximum of seven and one half years,
except for bankruptcy which may
remain on the credit report for ten
years. Under the old Fair Credit
Reporting Act (FCRA), the seven year
clock began ticking on "the date of
last activity" or, in other words,
when the last action took place on
the account. Under the revised FCRA,
the credit bureaus must start the
seven year clock on the first
payment that you missed that led to
the collection or charge off status.
Now, creditors and collection
agencies aren't allowed to extend
the reporting period by passing the
account back and forth between
agencies.
However, by
paying an outstanding, delinquent
debt you will change the account
status to "paid collection," "paid
was late," or "paid was charged off"
- which will still stand out as a
very negative listing. When you have
outstanding debt, it is almost
always prudent to seek professional
help so that you may settle your
debts without further damaging your
credit. In some cases, it is even
possible to negotiate the deletion
of negative credit as part of the
payoff. |
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If I succeed in deleting a negative
item, will it come right back on my
credit report?
The credit
bureaus have cleverly spread this
myth through the news media and
government agencies to discourage
credit repair. In truth, the credit
bureaus will sometimes temporarily
delete a negative listing if they
haven't heard from the credit
grantor after approximately thirty
days. If the credit grantor reports
late, say after six weeks, and then
verifies the negative listing, the
credit bureau will often reinsert
the negative listing on the credit
report and reverse the credit
repair. This is often known as a
"soft delete." Usually, though, the
creditor simply fails to respond and
the negative listing is permanently
deleted and repaired. If the item is
verified by the credit grantor,
either before thirty days or after,
the account may still be repaired
again at some future time.
Under the new
Fair Credit Reporting Act (FCRA),
the credit bureaus must follow
strict procedures to notify you if
they decide to re-report an entry on
your credit report. These new
procedures have reduced the
frequency of the re-reporting of
listings, and they have increased
the risk of lawsuit for the credit
bureaus when they do it. |
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Are there negative listings, such as
bankruptcies and foreclosures, that
are impossible to remove from the
credit report?
There is no
type of negative listing that hasn't
been reparied and removed from a
credit report thousands of times.
Negative items, such as bankruptcy
or unpaid debts, are certainly more
difficult to repair and remove from
the credit report, but this has more
to do with the operational systems
of the credit bureaus than with the
severity of the bad credit item. For
example, judgments and tax liens are
severely negative listings, yet are,
overall, easier to repair.
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I've heard that disputing the credit
report is easy and any person can do
it himself for the price of a few
postage stamps. Is that true?
Disputing the
credit report is easy. Getting
results (and actually repairing bad
credit) is amazingly difficult,
complex, and infuriating. It isn't a
coincidence that the Federal Trade
Commission receives more complaints
against credit bureaus than any
other type of business. If you call
the FTC today to report a complaint
about the credit bureaus, their
phone mail system will ask you if to
press one if your complaint is about
the credit bureaus, and press
another number if your complaint is
about anything else. Clearly, this
situation evolved out of deep
consumer frustration with the
uncooperative nature of the credit
repair process.
Remember, the
credit bureaus are primarily
interested in protecting their
profits. Investigating your
challenge consumes these profits.
Short of sparking a large number of
lawsuits, the credit bureaus seem to
do everything in their power to
discourage consumers from making
progress with their credit repair.
Repairing your own credit is like
repairing your own transmission or
representing yourself in court; it
is possible, but you must decide if
your are willing to take the time
and assume the risks of doing it
yourself.
Unless you
hire a professional to help you,
credit repair will have to become a
full-fledged hobby. |
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If I declare bankruptcy, can I begin
my credit report all over with a
clean slate?
Many
bankruptcy attorneys do not
adequately understand or explain the
effects of bankruptcy to their
clients. Stated simply, bankruptcy
is to the credit rating what the
atomic bomb is to the battlefield.
When you file
for bankruptcy, every credit account
that you decide to include in
bankruptcy will become an "included
in bankruptcy" item. Additionally, a
bankruptcy filing and bankruptcy
discharge listing will appear in the
court records section of your credit
report. Because so many negative
items are attached to the
bankruptcy, it becomes very
difficult to remove all trace of the
bad credit. If at all possible, you
should avoid bankruptcy. |
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Can
I file a "100'word statement" on my
credit report explaining my side of
the story and will creditors read my
statement and take it into
consideration?
No known
creditor considers information given
in a 100-word statement. It makes
one wonder why they included this
meaningless stipulation into the
Fair Credit Reporting Act.
Most creditors
will not even look at the credit
report when a credit application is
made. Rather, they will simply take
a numerical score from the
credit report and make a
determination as to whether or not
they should extend the credit. This
score, or FICO score, does not take
into consideration the contents of a
100-word statement.
The statement
does, however, verify that some of
the negative listings on the credit
report are technically
accurate. This just makes your
credit repair job more difficult.
Make 100-word statements the first
things you delete from your credit
file (if you ever added one in the
first place.) |
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By changing numbers in my social
security number or by using an EIN
tax number, can I fool the credit
bureaus into creating a completely
clean, new credit file under my
name?
Many credit
repair operators have promoted this
scheme, known as "file segregation".
Technically, we have seen some few
people that have succeeded in using
a false Social Security Number and
have fooled the credit bureaus into
giving them a new identity. The
scheme is complicated: one must
change almost all identifying
information about oneself and be
very careful never to use the old
information again. Most often, we've
seen people embark on these schemes
only to slip and, at some time,
provide the old information mixed
with the new. Then, both credit
reports merge and the consumer is
left with a tangled mess of
deception and suspicious credit
reports.
In the worst
cases, people have been charged with
crimes, or terminated from jobs, for
using the false information.
This scheme
has proven to be complex, difficult,
and (according to the FTC) illegal.
Lying about any personal information
on a credit application is usually a
federal crime. Using these "file
segregation" credit repair schemes
requires an enormous amount of
coordination, not to mention
personal risk.
Recently, the
FTC has gone out of its way to shut
down any credit repair company that
promotes literature discussing file
segregation. It remains to be seen
if they will be successful under the
First Amendment.
If asked for
our recommendation as to whether a
person should try a file segregation
credit repair program, our answer is
always, "No, it is too risky,
difficult and legally problematic."
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If I build enough good credit, will
it offset my bad credit and make me
credit worthy?
Any amount of
bad credit is devastating to your
chances of being approved by a
credit grantor. Most credit grantors
never actually look at your credit
report. A computer pulls your credit
report, rates your credit standing,
income, indebtedness, and stability,
generates a number (or FICO score,)
then spits out an acceptance or
denial. Even one or two slow pays
will usually trigger a credit card
or personal loan denial. The
slightest amount of negative credit
will cause the interest on an auto
loan to skyrocket. You will probably
find that even a little bad credit,
regardless of how much good credit
you have, is an unacceptable barrier
to credit approval. |
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If I'm having trouble paying my
bills, can I go to Consumer Credit
Counseling Service and will they
help me to repair my credit?
Consumer
Credit Counseling Service or CCCS is
a nonprofit debt counseling service
that assists consumers who are over
their heads in debt. CCCS is funded
and controlled by the credit
grantors and the credit bureaus.
Often, CCCS
provides a beneficial service to the
consumer. Because of the obvious
allegiance between CCCS and the
credit bureaus, you cannot
reasonably expect CCCS to do
anything that the credit bureaus
would frown upon, such as help you
repair your credit.
In fact, if
you decide to leave CCCS before you
have finished their program, they
can list your failure to complete
the process as a negative listing on
your credit report (though this is
rare.) When you are participating in
the CCCS program, your creditors
will often note it on your credit
report. If you have perfect credit,
and wish to keep it, you may not
want to use a credit counseling
service. These services usually
create negative listings because
their process will generally make
you late on your bills at least 30
days.
The fact that
you resorted to a debt counseling
program is a red flag for
prospective credit grantors.
Remember, paying off your debts is a
step in the right direction, but it
does not repair your credit.
With these
factors in mind, consumer credit
counseling can be a life-saver if
you're over your head and need some
help and some breathing room.
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Is it illegal for creditors to take
a negative, accurate listing off my
credit report? They tell me that the
law requires that these items remain
on the credit report for at least
seven years.
When you speak
with credit grantors, collection
agencies, or credit bureaus, their
typically under-educated staff may
tell you all manner of such
pseudo-legal nonsense. The law
demands that negative listings
appear on your credit report for no
longer than seven years. The credit
grantor or the credit bureau can
choose to delete the negative credit
listing whenever they see fit.
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How hard is it to repair my own
credit?
Repairing your
credit by yourself is possible. But
remember, the credit bureaus are
committed to the failure of credit
repair efforts, and the credit
bureaus have far more experience in
discouraging hopeful consumers than
you have in beating giant credit
bureaus.
Yet, some
consumers have achieved results in
repairing their credit without
professional assistance. The
following is a guide to help you
determine whether or not you should
seek professional assistance in your
credit repair efforts.
Attempting to
repair your own credit while failing
to dedicate sufficient time or
attention can result in further
damage to your credit rating and may
make it impossible for anyone to
repair your credit for you. For this
purpose, we'll give you a preview of
the time commitment required to
repair your credit. Examine very
carefully your capabilities and your
schedule before deciding to repair
your own credit.
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Example of a Month's
Activities in Restoring Your
Credit (for a couple) |
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Activity |
Hours Required |
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Monitored calendar daily to
check deadline of each of
six credit bureau
correspondences |
2 hours |
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Drafted six new original
credit bureau query
challenges |
4 hours |
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Visited post office six
times to mail
correspondences by Certified
Mail/Return Receipt Req. |
2 hours |
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Carefully analyzed and
marked six credit reports to
find negatives/deletions/
positive changes |
3 hours |
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Drafted 4 tardy credit
bureau response follow-up
letters |
2 hours |
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Visited post office 4 times
to mail follow'up letters by
Certified Mail/Return
Receipt Req. |
2 hours |
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Responded to 2 credit bureau
stall letters by providing
further information/
challenging time loss |
2 hours |
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Visited post office 2 times
to mail stall responses by
Certified Mail/Return
Receipt Req. |
1 hour |
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Responded to 2 "frivolous or
irrelevant" credit bureau
rejection of dispute letters |
2 hours |
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Visited post office 2 times
to mail "frivolous or
irrelevant" claim Certified
Mail/Return Receipt Req. |
1 hour |
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Requisitioned six new credit
reports at $8.00 each
through local credit bureau |
2 hours |
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Contacted ten creditors and
made creditor-direct
challenges |
8 hours |
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Drafted 20 letters to
creditors (one per spouse)
to challenge and demand
further documentation |
4 hours |
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Visited post office once to
mail letters to creditors
Certified Mail/Return
Receipt Req. |
2 hours |
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Contacted ten creditors by
telephone to negotiate
deletion of negative listing |
4 hours |
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Carefully analyzed ten
responses from creditors
with billing histories and
promissory agreements |
5 hours |
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Contacted six state,
federal, and licensing
organizations to locate
addresses and forms for
complaints |
2 hours |
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Prepared complaints to six
state, federal, and
licensing organizations |
3 hours |
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Visited post office to mail
complaints Certified
Mail/Return Receipt Req. |
.5 hours |
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Total hours per month (first
month) |
51.5 hours |
This chart
shows liberal estimates of time
required to repair your own credit.
If you are a single person working
on his/her credit alone, you can
subtract 25% from the total time
required. This time investment will
continue on a monthly basis,
gradually shrinking as creditors
agree to delete their listings. On
the average, you can expect the
process to take between twelve to
eighteen months, unless you have
very little negative credit
(meaning, one negative item per
report.)
Each response
to a creditor or a credit bureau
must be an original and must pertain
specifically to your present
situation or you may be red-flagged
as a frivolous credit repair
troublemaker or be ignored
altogether. There are no effective
"form letters" or "fill in the
blank" responses that yield results.
Credit bureau checkers spot form
letters easily as the sign of
someone attempting to repair their
credit. As such, these letters
generally earn a swift "frivolous
and irrelevant" response.
Dueling with
the credit bureaus and credit
grantors requires an aggressive and
tenacious personality. You must be
willing to wade through rejection
after rejection until you achieve
your desired credit repair.
The credit
bureaus will shoot down the majority
of your claims and disputes. They
will treat you like a disreputable
person and a liar. You must take
this rejection without becoming
discouraged. If you are the kind of
person who tires quickly from an
emotional struggle, you should
seriously consider hiring a
professional to repair your credit.
If you are the kind of person who
becomes angry when dealing with the
slow, bureaucratic employees of big
bureaucracies, you will not fare
well. Patience is an absolute
requirement. If you are
thick-skinned and have the fortitude
to fight the credit bureaus and your
creditors for as long as it takes,
then you may have the proper
disposition to repair your own
credit.
In the process
of repairing your credit, you will
have to track and monitor dozens of
communications at once. This will
require organized, disciplined
habits. Every day, you must check up
on each of these communications to
make sure that the credit bureau or
credit grantor hasn't overextended
their time limit. You must spend at
least one-half to one hour per day
tracking your responses, results,
and taking appropriate actions.
Remember, you will be dealing with
three credit bureaus per person,
plus you will be communicating with
each credit grantor appearing on
each credit report. In most cases,
the number of simultaneous
communications will exceed twenty or
thirty. If you are not a very
organized person, you are definitely
not in a good position to attempt to
repair your own credit. |
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