Bad Credit...I,m so embarrassed!! - page 2

:scrying: :scrying: Hey everybody!!! I went to this job fair for the bureau of prisons yesterday. Well, I really don't even know what the interveiw process entails, but they tell me to meet... Read More

  1. by   BSNinTX
    Way back. You must list employers and residences back 7 years...until you get to the investigator and he starts asking about things before that. In terms of credit, they look at your overall score and causes, as well as your current financial situation.

    Quote from bethin
    That makes sense. But how far back do they go? I can see if it was a recent credit issue but what about issues that are 5 or 6 years old?
  2. by   sunnyjohn
    For anyone with bad credit check this out:

    CreditBoards.com - Credit Help, Credit Repair Tips, News, Forums

    This is a no spin/no scam zone. I used this site and even sent my client there. Again the site IS NOT A QUICK FIX. The mods there take a dim view of quick fixes and will 'spank anyone who suggests fraud. They do believe in sharing good information.

    The site can break down the Fair Credit Reporting Act and other US laws regarding credit for laypeople
    Last edit by sunnyjohn on Dec 20, '06
  3. by   Sheri257
    It is true that you can correct credit report errors. One time a lender reported us in default on a mortgage where we had sold the house and paid them in full ...

    While you sometimes have to be persistent, you can remove incorrect items. Of course, if it is correct then ... that's a different story.

    :typing
  4. by   sunnyjohn
    Quote from lizz
    It is true that you can correct credit report errors. One time a lender reported us in default on a mortgage where we had sold the house and paid them in full ...

    While you sometimes have to be persistent, you can remove incorrect items. Of course, if it is correct then ... that's a different story.

    :typing
    yep...

    Sometimes even if the item is true and it is reported incorrectly you can get it removed/fixed. That alone might be enough to turn a negative to a psotive/neutral.

    The law is specific on HOW items should appear on your credit report.

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