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     | Thursday, April 20, 2000 - 05:24 am  Can someone give me a website or phone number of a creditor that will release my FICO score to me. TIA
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| | Friday, April 21, 2000 - 10:30 am I only know of eloan.com, and they will ONLY get you the Equifax Score, not the credit report. It will however result in an inquiry with Equifax and subsequently lower that Score. I recommend you find a mortgage broker who will run all three reports with all three Credit Scores and provide you with a copy of everything. This will also result in inquiries with all 3 bureaus, but at least you get the reports with it.
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| | Friday, April 21, 2000 - 12:51 pm Try Carreon & Associates. I was very happy with their services. They wil tell you your score from the BIG three in addition to telling you what stragedy to use for each one. I also went to a mortgage broker and got a factual report but I found it difficult to read. It had many things listed several times and didn't specify what each bureau was reporting.
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| | Monday, April 24, 2000 - 04:23 am It looks like the wall is slowly crumbling. On a TV commercial in Syracuse (NY), one of the 'bad credit' auto dealers is now advertising free credit reports and to give you your score. Hopefully there will be too many brush fires for Fair, Issac to stomp them all out.
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| | Tuesday, May 16, 2000 - 02:11 am after a year of recovering from bankruptcy chapter 7, I decided to bite the bullet and find out if my efforts to clean up my credit report had worked. To my increasing sense of "nothing is right in America anymore", I had the pleasure of finding that all of my scores have been lowered by 60 points, which were slightly above 600 after bankruptcy. For the last twelve months, I have made no inquiries, since BK7 I have paid my bills always on time. I am really frustrated. If I'm at 540, how much more time do I need to get above 600? (600 being the magic number for getting a mortgage with 10% down--from what I've read). Thks
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| | Tuesday, May 16, 2000 - 06:04 am I've done a little research and discovered that Ford does not report any payments after a chapter 7. which means that all of my timely payments that I have assumed have been helping my credit rebuild are having nada/zip/zilch/zero effect. I am so down at this ripoff. they'll be the first to trash your credit but the last to help rebuild. I can turn in the car and stop payments but all that money up in flames. Don't do business with these @#$#@$#. Politicians, are you listening? You want to hurt those who are down and out, try giving us a helping hand. Make those who don't report beneficial information, unable to received cra information for credit. Or punish the creditors who do this. there should be a remedy, which again, in America, is a joke for someone who has no money.
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| | Tuesday, May 16, 2000 - 07:28 pm I can't believe Ford is screwing you like that. And 540 Scores? They went DOWN since a year ago? Have you reviewed your reports and are all the discharged accounts reported CORRECTLY as included in bk without any past due balances etc? Because I really appreciate your postings (especially the followup on the bk seminar) I just went through my old backups and finally found the bk.gif from the page I had up for a while. I tried to explain what's wrong with that report on the new page. Have a look at http://www.bayhouse.com/bkcreditdispute.html and let us know how it compares to your reports. If anyone has questions about that report, please post here.
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| | Wednesday, May 17, 2000 - 02:23 am It's true about Ford. I could have saved all that money for other things. I may be down but I am not out. I am not going to let them @#$# me but I am going to need help--I've got to find the vp of consumer relations name and write to get someone at that bureaucracy to take notice. what a great p.r. idea for Ford--they already have a program called Fairlane for people with bad credit which is why it doesn't make sense to do this when someone is trying to get back on their feet. Then again, this is America the land of the screwee and the almighty triumphant screwer. Kick them down again and again. On the bankruptcy report, I reviewed mine and continue to point out to the minimum wage minions that discharged in bankruptcy means nothing is owed. I have come to the conclusion that I will have to sue because some idiot is having a good time @#$%#%# around with my psyche. But it is true, I have dropped 40 points. the lender who looked at it told me had Ford reported I would have had 600+. I don't know if that is true, but certainly it would have helped. Surely, someone on this board, a lot smarter than me can give me some ideas on how to or what to do --right now I just want a home. I thought I was on track to get a modest one back and now after 12 hard months of working my ass off and saving and scrimping and renting a dump and my family suffering--I am just fit to be tied. My income is where it was prior to B7. My consolation is that I am not alone. We in Bankruptcy are a marketing segment and with that recognition comes some power. We still have the right to vote--for the time being. We need to get organized. I feel radicalized by this FICO nonsense and by this constant screwing as I try to recover from what corporate America thanked me with--reorganization, downsizing, cut your income. As you can tell, I am really really overwhelmed.
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| | Wednesday, May 17, 2000 - 07:02 am I am with you Senator...I am currently in a BK7 and am waiting for the discharge so I can probably go through the same crap you have. If people with bad credit/bk survivors banded together, I guarantee you the Congressman, Senators and the like will TAKE NOTICE.
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| | Wednesday, May 17, 2000 - 08:27 am Just wait, MadaboutCredit, it is crap. We need to organize and start doing something--letter writing, etc --first project to kill: the new bankruptcy laws and Senator Hatch's idiotic carte blanche to collection thugs. What do you think, Christine? Could we form a political action committee? The problem is that most of us are devastated by the loss of income for whatever reason. All we are trying to do is recover and the sob's just keep kicking. But we still have the vote and with the vote comes a voice.
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| | Wednesday, May 17, 2000 - 10:01 am Forming ANYTHING at all takes money. As you already pointed out, it's all about LOBBYING with lots of cash. HOWEVER, if you find some phone/fax numbers for FORD execs, I'll be happy to contact them (fax is best) and put the results up here. I'd really like to know WHY they're not reporting your loan. Is it to keep your Score down so you can't refinance the loan? I think politicians couldn't care less about people E-mailing them with their complaints, but one could certainly post their E-mail addresses and try. A better approach would be to contact them and to request a STATEMENT for publication here. It would be interesting to see who responds and what they say. And with regards to your credit, if you have proof that you already disputed, I definitely would sue. Check that FCRA link in "Links ..."
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| | Wednesday, May 17, 2000 - 12:16 pm It is their policy, if you have declared a 7, not to report any payments since you can turn the car in at any time--you are not obligated to keep the car. That is what they have told me at Ford. So it is okay to say discharged in bankruptcy--a negative on your cra and ignore your timely payments--a positive on your cra. On my other car, since they haven't reported since January and told me that TU and CSC are having problems reading their tapes, I sent them copies of my cancelled checks and asked them to verify with the lender. Maybe that'll help
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| | Wednesday, May 17, 2000 - 04:33 pm Did you buy this car (or cars) after the BK or did you reaffirm? On my BK I am declaring a car loan on a used vehicle that wound up breaking down. The city towed it (since it wasn't drivable) and auctioned it off at a lien sale. My other car basically broke down and wasn't drivable and, again, my wonderful city took that (understandable). But I paid that but I owed them for some lame extra interest they tacked on so I didn't have the pink slip but it still is on my credit (which I am including in the bk7). If I make it through BK with no problems, get the discharge, wait 6 months and apply for a car loan with, say, Ford, will they pull that crap with me too?
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| | Wednesday, May 17, 2000 - 05:23 pm The Ford is a leased vehicle that I leased prior to the ch7. I asked them if I could reaffirm and they said they didn't care; they won't report the payments even if I reaffirm. It is truly an Alice in Wonderland experience where black is white and vice versa. My other lease with Ford ended just as I filed. The bankruptcy office that handles your bill is real nasty, treats you like trash. You are bothering them deadbeat--the attitude comes through loud and clear. Ford does have a program for bankrupts called the Fairlane which is available in various regions around the country. I don't know why it isn't universally--I was told it isn't available in Tennessee but is available in Missouri. I think it is in Texas. You have to call around. They charge exorbitant rates for two years and assuming you are on time, then drop you to a reasonable rate. From personal experience, if you need a car, get used to paying high interest rates for the immediate future. That means that on a car with a loan of 8500 for three years at 24% will run $330 a month. It isn't pretty. The world is ugly. you have to force yourself to deal with the ugliness for a year after discharge--DISCHARGE, NOT FILING--and then you can expect an interest rate around 14%. Still ugly, but getting better. I have always hated cars as a necessary evil so this is double punishment for my sin as a bankrupt. The key with any lender after bankruptcy is to be vigilant. Keep on top of them. Learn to be obnoxious. Tell them something like not reporting is unacceptable. when one person tells you "no" find another who will say yes. Like tonight, I learned that another cra has me at 650---go figure!!! and that the bank (yes a bank!) will finance me at a still exorbitant rate but the key is to get a bank to finance you rather than a finance company because (yes, you guessed it) it hurts your cra score if you take a loan from secondary lenders. Truly a looking glass situation. Time's up. I gotta go listen to grace slick and jefferson starship. keep posting.
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| | Thursday, May 18, 2000 - 08:19 am How long after bk were you able to get a CC. Did you put money into it (secured) or did somebody go ahead and take a chance and give you an unsecured. ALso, did you have problems with your bank? I hear some banks get pissy with bk'ers.
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| | Thursday, May 18, 2000 - 12:07 pm You will get offered several secured cards. the stephen and michelle snyder credit after bankruptcy seminar recommends First Consumers and Orchard. Do a keyword search here to know what to anticipate. I received an unsecured after I was discharged. I know they have had a problem with others in the past on reporting activity--Providian. so be aware. Banks--talk to them. some are understanding, some are not. Credit union officers have a great deal of leeway to grant unsecured cards and are lenient on checking accounts.
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| | Saturday, May 20, 2000 - 02:26 am One other item that could be addressed on this topic is--how do you figure out why you have a 540 on one and a 650 on another---it is hard enough to read the stupid reports. I've tried doing a spreadsheet to compare what is being reported and finding the differences. The negatives all seem to be there along with the positives. As I said before, you need to be a forensic accountant to figure this garbage out. Madaboutcredit, you had asked me about cars. I had one lease that expired just as I filed. I had to get another car and wasn't discharged. I purchased one from a ripoff loan car company that preys on the disenfranchised. I just sold it and went from 24% interest down to 15%--while that isn't great, it is a step in the right direction. The key is to slowly rebuild yourself. And while that is good, the company I am working for is --guess what????--REORGANIZING!!!!! If it isn't one thing, it's another. I just have to laugh. The 30+ whizkid in charge of the division is lining up his 30+ mba robots to do a number on those who have experience in the business--like me, 20 years, but I'm on the downside of 40--time to be disposed of. If it happens again, I don't know if I can recover. I've socked away cash, but the emotional and mental fallout--life is just one struggle after another. I think I'll just live in the countryside and zone out. I am so tired of the struggle.
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| | Saturday, May 20, 2000 - 02:31 pm I posted my thoughts on zoning out in "My 2 cents" because it's something I think about a lot and I might want to add to it as I'm working on zoning out. After 1.5 years, I concluded that you just can't get away from it as long as the brain works. I've had a client who was on the job for over 20 years and his boss told him on a Friday not to come back to work on Monday. He was in his 50's and they got younger guys to do the job for less money. I hope it's not going to happen to you, but job security doesn't exist. That's the American way. As far as the complexity of credit reports, yeah, I totally agree. The very best way to analyze your credit is to use the bureau reports. But they're so damned complicated and each CRA uses a different format. They are so hard to read and UNDERSTAND. Do you think that's a coincidence????? What you don't understand you won't dispute. I have NEVER had a client who was able to identify all incorrect data after a bankruptcy, although many thought they did.
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| | Thursday, May 25, 2000 - 06:59 pm Madabout, in today's mail I received an unsecured offer for two credit cards from First Premier. Granted it's not the greatest institution but I am one year from my filing of my chapter 7 and you too will see light sometime soon. it is hell to file a 7 when you try your hardest not to. I read your post about losing the job and i too have been there and had to work at crap jobs and try to pay back and get no assistance from the creditors in trying to work things out with a little time and patience. So I have no regrets now about filing the 7. I have been radicalized by this entire corporate scheme called america--it isn't a country, it is a company. You have stupid asinine games that you have to play to get ahead and I refuse to play anymore. I have been through so much --I think the emotional trauma was the worst and the damage it had on my family. I only hope that some day I can lend a hand to someone else who is downsized by giving them something they need like food, understanding, an occasional night out, a stiff drink, tuition for their smart or talented child. I have humbled myself to recover and have worked like a dog. Now I stand to be reorganized again. As Christine says : there isn't stability and I agree--instability is permeating every facet of this nation. Today i overhead one of the managers bragging about his bonus--meanwhile everyone else in his department got screwed. He doesn't know that they figured out that he kept what should be theirs. They've got their resumes together and as soon as they can, they're out of there. Not that management will care. Stupid asses. good loyal dependable people treated like slabs of meat. It's disgusting. I'm almost tempted to write a short piece to see if I can get it published--the whole scene makes me so @#$%@## mad.By the way, when you can handle it, get a copy of your credit reports after the 7 and start to get it repaired. i finally broke down and hired a lawyer firm that impressed me at the Stephen and Michelle Snyder Seminar to try and rectify the CRA stupidity.
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| | Friday, May 26, 2000 - 06:03 am Senator... I actually hired a lawyer to help me through this, finally, and she is going to help me with credit repair afterwards (since she supplies that service with the BK). Thanks for the help and words of sincerity/encouragement.
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