jdj1980 Profile

Join Date:
2009-01-31

Blogs Owned

In the past couple years,my credit has gone down the toilet. After several rejections for credit, I.. think it's time I turn this thing around....

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Other Tags: bad credit, credit, FCRA, FDCPA, credit report

Latest Blog Posts

  • Better Business Bureau!
    on Feb 1, 2009
    Today I filed a complaint online with the Better Business Bureau over CACH (Collect America). I'm not sure how easy this is going to be; I've heard and read that CACH is a difficult SOB to get off your credit reports.In the past, the BBB has wo
  • How to get collection agencies off your credit reports...These are the steps I have taken in the past to successfully get collection agencies off of my credit reports. In order for it to work, they must have committed FDCPA violations (9 times out of 10 they have lol) and/or not have shown proof of the de...
  • How to get collection agencies off your credit reports...These are the steps I have taken in the past to successfully get collection agencies off of my credit reports. In order for it to work, they must have committed FDCPA violations (9 times out of 10 they have lol) and/or not have shown proof of the de...
  • Better Business Bureau!
    on Feb 1, 2009
    Today I filed a complaint online with the Better Business Bureau over CACH (Collect America). I'm not sure how easy this is going to be; I've heard and read that CACH is a difficult SOB to get off your credit reports.In the past, the BBB has worked...
  • This Week's Events
    on Jan 31, 2009
    What an interesting week in credit repair.-Experian finished investigating my disputes already. It wasn't supposed to be done until Feb. 15th! In any case, I got 2 negative tradelines deleted...one collection agency and Wachovia, who was listing a c...
  • This Week's Events
    on Jan 31, 2009
    What an interesting week in credit repair.-Experian finished investigating my disputes already. It wasn't supposed to be done until Feb. 15th! In any case, I got 2 negative tradelines deleted...one collection agency and Wachovia, who was listing a c
  • Letters!
    on Jan 23, 2009
    Today I sent out four letters to various companies:CACH: I sent them a debt validation letter back in summer 2008 and they never responded. They did however send Financial Recovery Services after me. They also updated their tradeline every month o...
  • Letters!
    on Jan 23, 2009
    Today I sent out four letters to various companies:CACH: I sent them a debt validation letter back in summer 2008 and they never responded. They did however send Financial Recovery Services after me. They also updated their tradeline every month o...
  • Dispute Round #1
    on Jan 15, 2009
    On Experian, out of the 15 derogatory marks I have on there, I disputed 6 of them: RJM Acquisitions (they have 2 baddies on there), Wachovia, Nationwide Credit Services, Credit Protection Inc. and Verizon. I tried to dispute CACH and AFNI but Exp. w...
  • Dispute Round #1
    on Jan 15, 2009
    On Experian, out of the 15 derogatory marks I have on there, I disputed 6 of them: RJM Acquisitions (they have 2 baddies on there), Wachovia, Nationwide Credit Services, Credit Protection Inc. and Verizon. I tried to dispute CACH and AFNI but Exp. w...
  • It Starts!
    on Jan 1, 2009
    Today is the day that I kick my credit repair off. I'm tired of not being able to buy something without having to all out pay cash for it. I'm still pissed that I wasn't approved for a mortgage, especially when I know I can afford one. So here we...
  • It Starts!
    on Jan 1, 2009
    Today is the day that I kick my credit repair off. I'm tired of not being able to buy something without having to all out pay cash for it. I'm still pissed that I wasn't approved for a mortgage, especially when I know I can afford one. S
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