My fiance and I are looking to buy a home. Our mortgage broker looked at his credit report and his sons unpaid fines are listed as leins on his credit report. (They have the same first and last name) How do we begin to get this off of his reports?

First, get a copy of the credit report. Anything that you dispute, put in writing to the credit bureau. You can also call the bureau toll free @ 1 877-322-8228 and tell them to mail you the forms that you have to fill out. You can also advise the company that you will sign an affidavit of fraud but I would wait until you hear from the credit bureau. I believe they have 30 or 60 days to respond or it comes off. You can also advise your son over the phone unless he gets his act together, you may sue him.

I just wanted to know because if someone has bad credit how can they fix it by paying off their debts when they don’t have a job to earn the money to do so when no jobs will hire them because of the poor credit? I understand why some places (Banks, Cashiers Position etc.) don’t for the fear of the person may steal but what about the other jobs out there?

You can only "fix" something on your credit history if it’s an erroneous item. Otherwise, your credit history follows you – that’s the whole point of it.

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I had few credit cards since 2000. I did not make any payment on thouse cards but my credit report shows charge offs. Is there anyway i can fix it or what can i do ?? please help me.

If these cards were opened in 2000 and no payments were made, then they would have been charged off 6 months after that date. Most negative info can only stay on your credit report for 7 years. You should dispute those charge offs as being outdated with the credit reporting agencies.

My credit score is about 657 I want to raise to 700 and higher, any way I can get my credit report fix and how do i do that?

You need to make sure that you pay all of your bills on time every month. Next, if you have credit cards, you need to make sure that the most that you are using of your available credit is less than 20%. Check your credit report for any inaccuracies and get them fixed.

I didn’t recieve the bill in the mail due to moving so I was late. It did go on my credit report and when I seen it I paid it off immediately. Is there any way to get this off my credit report? I tried to get a vehicle and I couldn’t get it. The loan people told me because I was late on this bill it made my score go down 50 or 60 points.

Thanks!

One late payment would not cause this problem, you need to discover just what did !

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my husband has 3 negative marks on his credit report, we tried to get in touch with the creditors and after what seemed like hours on hold, we finally got in touch, exchanged information and they said they would send over the bill, we’re still waiting and nothing has arrived so far. How do we fix our credit if the creditors won’t work with us? Is there a central agency or something where we can just pay off the debts and remove the bad marks off the report?

1. Never talk to a collection agency and/or creditor by phone. Only
in writing. Send them a validation letter if its a collection agency.
If its the original creditor, then maybe a pay for delete letter.
2. How old are these debts? If they are old, most likely the original
creditor has written these off or sold them to a collection agency.
3. Paying these old debts will actually hurt your credit, since it resets
the date of last activity.
4. You can do a simple dispute online as "No knowledge of account".
You will find that they will delete many times because its so old
the original creditor wont waste the time verifying it.
5. Fixing your credit is easy but time consuming. Visit the website
below. Its provides all the information you need to know to
repair your credit.

i need to send a letter to equifax and transunion, stating that one collection i have is not mine but my moms.

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.hotusa.org

I dont owe no companys any money how do i get my beacon score up

I think don’t apply for credit much and pay all your bills on time! GOOD LUCK! bye now