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Victim of credit fraud, we ban help Send a Dispute Letter for Reporting Credit Card Fraud According to the Federal Trade Commission, the Fair Credit Billing Act established procedures for resolving billing errors, including fraudulent charges, on your credit card accounts. The best method for reporting credit card fraud on your accounts is to send a dispute letter detailing the erroneous information. Write to the creditor using the address given for “billing inquiries” and not the payment address. Include your name, address, account number and a description of the fraudulent information, including the date of the charge and amount. Below is a sample dispute letter for your reference: Date Your Name Your Address Your City, State, Zip Code Your Account Number Name of Creditor Attn: Billing Inquiries Address (use the address specified for billing inquires) City, State, Zip Code Dear Sir or Madam: I am a victim of identity theft. I am writing to dispute charges on my account that I did not make or authorize. The fraudulent items and charge amounts are as follows: (List each item and amount separately) I am requesting that the charge be removed, and any finance and other charges related to the fraudulent amount be credited, as well. I am also requesting that you send a statement that reflects the corrections made. Enclosed are copies of (a police report, Identity Theft Affidavit or any other reporting documents to prove you are a victim of identity theft) supporting my position. Please conduct your investigation and correct the fraudulent charge(s) as soon as possible. Please contact me if you have questions or require additional information. Sincerely, Your signature Enclosures: (List the items being enclosed) Send your letter using certified with a return receipt requested as proof of delivery date and receipt by the creditor. Your letter must reach the creditor within 60 days after the first bill containing the fraudulent charges was mailed to you. For additional information regarding creditor responsibilities to respond to you, visit the Federal Trade Commission website

5 Biggest Mistakes People Make in Repairing their Credit. Credit Repair is not difficult, but you can shoot yourself in the foot if you don't pay attention to a few little things. Here are common mistakes people make which can be easily avoided: 1. Failing to credit-repair.com">dispute with the credit bureaus FIRST. In credit repair, always dispute your negatives with the credit bureaus before doing anything else. 10-20% of all items disputed in an initial round of disputes fall off. Why not pick off the low hanging fruit in the beginning so you can concentrate on the tough stuff? In addition, you cannot take legal action as an individual against companies who are acting illegally by reporting you if you don't dispute first. 2. Failing to document your efforts. You should ideally be keeping notes and dates of all your efforts. Make a note of anyone you speak to, when you send letters, and when you receive letters. You should all make sure you send your disputes certified mail, return receipt requested. How to organize is up to you. Putting everything in a notebook is ideal, but a plain old file folder will do if you just store bits of paper. You don't have to get fancy. Documentation is especially important when you are disputing items with the credit bureaus. Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 days to get back to you with the results of an investigation on your dispute. If you do not hear from them, within 30 days, they must remove the item. 3. Disputing items online. Never do this! You will not have any written records of your dispute (the return receipt), plus, you are making it easy for them by disputing online. Your dispute will become a two letter code and will be sent (using eOscar) to an offshore computer for analysis. You will also not be able to dispute specific information within the listing, for instance, wrong high balance, wrong date account was opened, etc. You will not be able to send documentation. In addition, if our name, SSN or address is incorrect, you have to send your request in writing anyway. 4. Being Unrealistic. If your credit report is in bad shape, there isn't a quick fix. The process takes time, usually from 6 months to a year. In addition, some items are extremely difficult, if not impossible, to remove: bankruptcies, tax liens, judgements and child support. If you have any of those listings, you may be in it for the long haul. 5. Giving up. The process seems overwhelming at first, especially if you are new to credit repair. Take one step at a time. You don't have to do everything at once. I usually tell people to do things a few days or a week apart, and not to spend more than an hour at a stretch doing anything. After the first dispute letters are mailed, you really shouldn't have to spend any more than 1 hour a month working on your credit. If you need a discount prescription drug card you can print one here. Isn't it worth it? If you need help visir my site FREE CREDIT REPAIR

By msnbc.com news services The delinquency rate on U.S. home mortgages fell in the first quarter to the lowest level since 2008, though the share of homes in the foreclosure process inched higher, an industry group said on Wednesday. The seasonally adjusted delinquency rate on all loans fell to 7.40 percent from 7.58 percent in the fourth quarter of 2011, and down from 8.32 percent a year ago, according to a report from the Mortgage Bankers Association. It was the lowest level since the third quarter of 2008, matching the record set in the fourth quarter of last year. "The delinquency picture is getting better. It's been getting better for some time and this is another important step in that," said Jay Brinkmann, MBA's chief economist. The delinquency rate includes mortgages that are at least one payment behind but does not include loans in the foreclosure process. That rate peaked at 10.1 percent in the first quarter of 2010 in the wake of the housing market collapse. The number of loans that were one payment past due fell to 3.13 percent from 3.22 percent, bringing it in line with the long-term average of 3.1 percent, said Brinkmann. The percentage of homes that were 90 days late or more or in the foreclosure process - considered in serious delinquency - eased to 7.44 percent from 7.73 percent in the fourth quarter, and down from 8.10 a year earlier. But the number of loans in the foreclosure process edged up slightly to 4.39 percent from 4.38 percent in the previous quarter, though it was down from 4.52 in the first quarter of last year. The inventory figures are not seasonally adjusted. As well, fewer homes saw foreclosure actions initiated in the first months of the year. Seasonally adjusted foreclosure starts fell to 0.93 percent of loans from 1.04 in the fourth quarter and 1.03 a year ago.

New FICO Score eases bad credit repair as FICO Corp. 'relaxes' scoring model Bad credit folks who sign up for Credit Counseling or Debt Consolidation plan hear this a lot: "your Beacon score is too low...", "you must improve your FICO score...". Little do they know that their FICO score may've improved already without them noticing. Every 5 points up counts! According to Fair Isaac Corporation (NYSE:FIC), the new FICO is a more predictive and consumer friendly score now... And forget about the Beacon score - the name is NextGen now! What? You didn't know? According to research done by Screwedup-credit-repair.com, it's true, most people don't know that three major credit agencies TransUnion, Experian and Equifax are now using the new and more friendly NextGen scores. How people with bad credit history can benefit from these new and improved scores? They can get better rates. And more people will get loans, and for larger amounts... It would also help their credit repair! FICO NextGen scores go easier on Sub-prime loan seekers! On their web site, FICO Corp. states: [new scores] "... allow for more scoreable files (credit reports), updated treatment of mortgage and auto inquiries to better reflect consumer rate-shopping (low interest rates), and more consumer-friendly treatment of finance trades(!) and low-balance collections(!) and public records(!)." Why these improvements? Bad screwedup-credit-repair thinks that FICO Corp. is trying to meet sub-lenders requirements for more applications processed and better interest rates offered. With such low rates, sub-lenders are making all the money by giving 'great' deals to people with bad credit history. The new scores let more people in the range of allowed FICO scores, thus creating more business for lenders. And keeping the housing industry strong. This thought may be very close to the real thing... as FICO Corp. states on their web site: "Lenders want to price appropriately, and lend safely, while making more credit available to more people and effectively managing their operations costs." In layman terms, the NextGen scores loosen up scoring criteria so more people can get better credit rating and borrow more money. But make no mistake, FICO Corp. claims these new scores are even more predictable - which works for lender advantage. Plus, the latest score version NexGen 2.0 allows people with short or dormant credit history to get loans! So, does this all mean that we can now have more unpaid medical bills, have more inquiries on car and mortgage loans, get a car loan at the age of 18, get better interest rates after a recent bankruptcy ...? I guess we are to find out ... when we'll see more bankruptcies in the years to come. Or will we? screwedup-credit-repair.com suggests we remain calm and keep our credit score as high as possible. On a serious note, they said, this relaxing in credit scoring presents great opportunity to dispute more items on your credit report than was possible before and improve your credit score more substantially! Own a website submit a link

Even death is not enough to shake off student loan debt. One New Jersey family learned this in the most awful way imaginable.

When Amanda Greenhalgh died at the age of 24 in 2010, her father and grandmother were on the hook for more than $100,000 in loans used to pay for her degree at Penn State University, The star ledger

Greenhalgh, who was was earning $74,000 a year, hadn't missed a payment. Her loans were with Sallie Mae, reportedly one of the few lenders that has a death and disability policy -- which allows family members to discharge student loans if they can provide a death certificate for the student.

The family contacted Sallie Mae several times, but they were re-directed to call centers in the Philippines with no one available to oblige the request, the family toldThe Star-Ledger. Sallie Mae did not forgive the loan amount until after the family contacted Bamboozled, a consumer affairs column for The Star-Ledger, the paper reported this week. Repair your credit issues now

Most lenders do not have a clear policy about what happens to a co-signed student loan when the borrower dies or becomes disabled. After Rutgers University student Christopher Bryski passed away in 2006, leaving behind a $50,000 student loan balance, his family, who had originally co-signed his loan, paid off 40 percent of his debt and engaged in a lengthy battle with loan provider KeyBank before getting the remaining balance cleared.

As a result of the Bryski family's struggles, Congressional legislators introduced a bill known as the Christopher Bryski Student Loan Protection Act. The bill would have required lenders to make it clear to students what will happen to their loans at the time of their death. It passed the House in 2010, but didn't make it through the Senate.

With the country's student debt load now 25 percent higher than it was in 2008, many young Americans are facing the mounting pressure of their loan payments in the still weak job market. Based on reported data from nearly 100 schools, the Institute for College Access & Success' Project on Student Debt has estimated that 90 percent of students from the class of 2010 carried an average amount exceeding $35,000 in student debt, according to USA Today

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Challenging the right to collect. Note that this includes the "validation" process. If the debt is not valid, the validation process itself may be enough to get rid of it, or at least give you the legal leverage you need to do so because the debt collector doesn't have the right to collect on a debt that they cannot validate under the FDCPA. Other methods suggest simply asking what law gives the collector the right to force you to do business with them. These are your legal rights and we know just what to do for you. Learn How To Repair Your Credit Issues!!

FHA Streamline : No Verification Of Job, Income, Credit In April 2011, while the rest of the world was making it harder to get approved for a mortgage, the FHA was making it easier. In a sweeping guideline update, the FHA abolished verification for practically everything on an FHA Streamline Refinance mortgage application. Now, as written in the FHA's official mortgage guidelines, the mortgage approval process for an FHA Streamline Refinance says : Employment verification is not required with an FHA Streamline Refinance Income verification is not required with an FHA Streamline Refinance Credit score verification is not required with an FHA Streamline Refinance And, as mentioned earlier, there's no need for a home appraisal, either. Repair your credit issues

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