According to this article from WalletPop.com, a consumer watchdog site, the company BadCustomer.com keeps a list of customers who request a credit card reversal after making a purchase with a company. One single credit card reversal can land customers on…
Posts Categorized In: FCRA
California Debt Blog: Removing an item from your credit report
A lot of people are doing a “New Year, New You” type program. You can buy new diet products or you can get a Bowflex on sale. But now is also a good time to review your credit report. As…
California Debt Blog: Debt Collectors Want to Avoid You
Somehow I got on the mailing list of a company that assists debt collectors. I don’t know how, but I got 6 emails from them yesterday. Then, two more today. The emails were all the same. The gist of the…
California Debt Blog: Adding a writen statement to your credit report
Melody Warnick wrote a couple of great articles at Creditcards.com on adding a written statement to your credit card statement. The first article is on how to add a written statement to your credit report. What is a statement? “A…
California Debt Blog: Credit Report Problem: Dispute it with this letter
As you know, I believe you should pull your credit report at least once a year, maybe even twice a year. You can get a free one from this website (this is the official one, not one of those that…
California Debt Blog: FAQ: When can I have negative remarks removed from my credit report?
Q: Since California has a 4 year statute of limitations, is there a way to have those removed from your credit record? A: You can have old debts removed from your credit, but it doesn’t have to do with the…
California Debt Blog: FAQ: How long does bad debt stay on my credit report?
Q: How long does a bad debt stay on my credit report? A: The bad debt generally has to come off after 7 years and 10 years for a bankruptcy. You need to review your credit report carefully for errors….
California Debt Blog: Credit Reporting: Two digit codes hurt you
Comcast (yes, the cable and internet people) has a great story about your credit report, disputes and the “two digit codes” that the credit bureaus use. When you dispute something on your credit report, here is what happens: When consumers…