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Do you know anybody who can do miracles with my credit report?

Discussion in 'BlackHat Lounge' started by sre94, Oct 23, 2009.

  1. sre94

    sre94 Junior Member

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    I am making fantastic money online these days, but my credit still sucks, and it probably will for a while.

    Does anyone know of anyone who can work some magic and raise my score by about 120 points?

    And please, no CPA offers :)
     
  2. golf69

    golf69 Newbie

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    I can lead you in the right direction...pm me
     
  3. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    you can just dispute everything and a good percentage of the time it will get deleted because the creditor will not respond within 30 days especially if it is an old account. if you pull your report online you can dispute online too. that's what i did and i have no deliquencies showing on my credit. this is all the companies that are charging you are doing. over a couple of months depending on how much you have you can clear it up and get it high. i have like a 700 score right now.
     
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  4. hiding_whitehat

    hiding_whitehat Junior Member

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    There's a clickbank product that I'm selling, and I found the product in a torrent. It's called "37 Days to Clean Credit" or "Clean Credit in 37 Days" something like that.

    The torrent doesn't have all the files, just the main eBook, but it's still worth a read.
     
  5. ezcashplus

    ezcashplus BANNED BANNED

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    Dispute everything on there. If you do it before christmas, when they are swamped with other people disputing and the holiday is coming up, then you should get most things removed.

    If it is really bad, just get an ein number. Use that and build a fresh credit report from the ground up. Either way is very simple and there are way better places to look for the information then BHW.
     
  6. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    The EIN thing worked years ago but to my knowledge it doesn't anymore because the creditors and credit bureau's caught on.

    The bkforum is a good place to look. I am a member there. Lot of good advice.
     
  7. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    oh yeah. and don't dispute everything at once. that looks very fishy. do a couple like 2 o3 at a time.
     
  8. MuonTrail

    MuonTrail Registered Member

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    I used to work for a "credit repair" company. Everything they did was so stupidly simple, nothing you can't do yourself. Here's pretty much what they did:

    • Send them a written/typed letter. (More of a pain in the ass for them to process)
    • Do not dispute more than 4 items at a time.
    • Claim the items are wholly/completely/partially inaccurate and that they correct the mistakes immediately.
    • Ask them to send you a new copy of your credit report once it's been corrected.
    • Wait until they send you a response before you fire off another letter.
    • And don't do anything to make your letter stand out. The more it blends in with everything else the better.
    • But make sure your letter contains all your verifying information (first/last name, ssn, address) so they don't reply back asking for more verifying info (which just wastes time)
    It's not magic, and it most likely won't be fast, but it'll work if you're persistent enough.
     
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  9. rony1434

    rony1434 BANNED BANNED

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    Hello everyone.
    Thanks for sharing this useful post, Guys day before yesterday i found a website https://www.720creditscore.com/ while searching on internet, Is it true that this website really guides a way to achieve good credit scores?
     
  10. xplicit

    xplicit BANNED BANNED

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    I did this and got 4 things removed from my credit. I still dont know how much it raised my score though.

    Anyway to find that out free?
     
  11. mrxtc89117

    mrxtc89117 Junior Member

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    It's not just about disputing it. You have to know how to dispute it. And credit companies can respond faster than 30 days now so you have to know what you are doing. I used to do this on the side for people. I'll give you a forum where you can start. There are many many ways to do it. Mine is 810.

    you can start here:
    hxxp://www.creditboards.com/forums/

    Be sure to read the stickies
     
    Last edited: Oct 23, 2009
  12. pubenemy

    pubenemy Registered Member

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    Every year you can get all 3 credit reports for free. Its annual credit report dot com, also if you apply for credit somewhere and are turned down you can get a free copy.
     
  13. nam6641

    nam6641 Supreme Member

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    This "trick" still works... find someone with a great credit score who has credit cards and would be willing to add you as an authorized user. Make sure that the credit card company reports authorized users to the credit bureaus (some do and some don't, Discover does not). The good person's credit will rub off on your credit and raise your score some... not sure how much as each case is different, but I just bought a house with my fiancee and we needed to raise her score and it raised her score 20 points in less than a month. It's not 120 points, but it's something, and if you find someone with a credit score of 800+ than who knows how much impact you will get.
     
  14. Smelly-Cash

    Smelly-Cash Jr. VIP Jr. VIP Premium Member

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    interesting info. what about someone with foreclosure and bankruptcy? how do you fix your credit?
     
  15. angelas111

    angelas111 Jr. VIP Jr. VIP Premium Member

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    just do exactly what we are talking about as far as disputing things. just wait until the bk is discharged though.
     
  16. MuonTrail

    MuonTrail Registered Member

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    Same strategy as I outlined above. Although with those items you're hoping the credit bureau has trouble finding the records for your foreclosure/bankruptcy. If they can't, they'll have to remove them. Although with bankruptcy it's better to wait at least a year after you file, or after its discharged (I can't remember anymore). One of the two. :eek:
     
  17. ifwearner

    ifwearner Regular Member

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    So you dispute the bankruptcy? Idk how great of success that will be.

    Or do you dispute all your accounts that still show up but say closed or derogatory?
     
  18. MuonTrail

    MuonTrail Registered Member

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    They do come off, I've seen in many cases. What you do is you dispute all of the "included in bankruptcy" items first, and then when those finally come off you dispute the actual bankruptcy item.
     
  19. oxonbeef

    oxonbeef BANNED BANNED

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    You don't just have to have debts to have bad credit.
    You can have bad credit just because you buy everything cash,
    never had a loan or a credit card. You can have bad credit
    because where you live has a low acorn rating. Your credit
    rating can even suffer if you pay off your credit card in full
    each month, CC companies don't make money from people
    who pay on time they like you to be a little bit late so they
    get their intrest.
     
  20. tyler8541

    tyler8541 Regular Member

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