Get Good Credit For Life
We Take On The Credit Reporting Agencies.
Fix Your Credit & Fix Your Life
877-401-9190
Get Good Credit For Life
Fix Your Credit & Fix Your Life
877-401-9190
Organizations with whom you have submitted an application or an existing credit account may furnish your identifying information, employment and/or payment history on open and closed accounts to Credit Reporting Agencies (CRA’s). Some organizations subscribe to one, two or all three major Credit Reporting Agencies. Court researchers obtain public record information from the courts and furnish the data to the three national Credit Reporting Agencies.
As a general rule credit information remains on file for 7 years from the date of last activity. This includes open and closed accounts. There are exceptions; derogatory accounts remain on file for 7 years from the original date of delinquency. As Agreed/Closed accounts may remain on file for 10 years from the last reported date on the TransUnion file. Bankruptcy Chapter 13 remains on file for 7 years, Bankruptcy Chapter 7, 11 and 12 remain on file for 10 years from the date filed.
If accounts included in a bankruptcy are not indicated as “Discharged” on your credit report, send a copy of your Schedule A which lists all debts that were included in the Bankruptcy along with your Bankruptcy Discharge, to the three 3 CRA’s. With this documentation, the CRA’s can properly update your credit file.
Some credit grantors issue both revolving and installment accounts using the same account n u m b e r. Also, a new account number may be assigned due to a change of address, this would display as the same account with two diff e rent account numbers.
Student loans may be a collection of several small loans that were accepted each semester or school year. The same lender may report each small loan. The total should equal the loan amount you pay.
Since credit grantors supply information on a periodic basis, the balance shown may not be the balance it is today. If the balance re ported was correct as of the status date, it is not necessary to dispute the balance on that account.
A divorce decree does not supersede the original contract with the creditor and does not release you from legal responsibility on any accounts. You must contact each creditor individually and seek their legal binding release of your obligation. Only after that release can your credit history be updated accordingly.
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The best way to cancel credit card accounts that are no longer used is to call the lender and ask that the account be closed. Ask the customer service representative to note the account was closed at your request. You may want to send a letter to the lender making the same request.
PRE-APPROVED CREDIT OFFERS - Many companies and lenders utilize national credit reporting databases to obtain lists to offer pre-approved credit. If you prefer NOT to receive pre-approved offers, please notify the National Opt Out Request Line at (888) 567-8688. An automated attendant will explain the pro c e d u re and ask for your identifying inform a t i o n to remove your name from these lists.
DIRECT MARKETING MAILINGS - Many companies market consumer products and services by mail. If you pre f e r NOT to receive direct marketing mailings, you can write to: Direct Marketing Association, Mail Preference Service, P. O. Box 9008, Farmingdale, New York, 11735-9008; Direct Marketing Association, Telephone Preference Service, P.O. Box 9014, Farmington, NY 11735; and Experian, 901 W. Bond, Lincoln, NE 68521, Attn. Consumer Services Department. Include your complete name, full address, Social Security number and signature.
NEW SOCIAL SECURITY NUMBER - You must submit evidence that misuse of your old number has caused you recent or ongoing disadvantage. Obtaining a new number is not easy even if you’ve been victimized and truly need a new number.
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Individual Package $275.00
Couples Package $450.00
877-401-9190
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Houston, Texas 77070
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A United Funding Logistics LLC Company
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