Owned a collection agency-Prev VP at Guardian Bank-Ruined my credit to prove any negative on your credit report can be removed if you know how the system works!
Arizona formerly New York
Joined October 2012
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Experian sued me to stop my credit repair book. Said info in it was proprietary (secret) Pre-trial they offered to pay me NOT to PUBLISH. Instead I countersued-I settled for $3000 cause ALL I really wanted was to publish the book-Amazon-Walmart-Barnes&Noble RickMansfield.com
If your credit score needs a boost have someone you trust with good credit add you onto a credit card as an Authorized User (AU). BUT- here's the thing- make sure the account you're added on is NEVER late and that they NEVER carry ANY balance from month to month AND- here's something else. IF that account ever goes delinquent you can have yourself removed as an AU. PLUS, you are never responsible for payment on the account. That's solely the responsibility of the primary account holder! That said, this won't help much if your credit is lousy! This is more for people with little or no credit.
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This is for informational purposes only.
When you apply for a credit card approval is based on your credit score. Your credit line is based on income. Credit card companies do not verify income. They base it on what you claim as income.
If it wasn't so misleading it would be hilarious! Many lenders supply FREE credit scores. The odd thing is they're VantageScores. No mainstream lender uses Vantage. NOT EVEN the banks supplying that score. They ALL use FICO to make lending decisions.
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Look at CONC 7 handbook.fca.org.uk/handbook…
Don't DM me. Send me anything you wanna say thru my website rickmansfield.com/credit-rep…
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Most of the collection agencies & debt buyers do, but if you have the proof & know how to present the claim you still win. It's less expensive for them to settle than to fight when they know they're wrong.
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A collection letter said I had 2 OPTIONS. There are many more options than the 2 cited. This violates the Fair Debt Collection Practices Act. I sued in small claims court-Won $1000 & the debt was wiped out & removed from my credit report KNOW YOUR RIGHTS! rickmansfield.com
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How to avoid deceptive sextortion assistance services and find real help. consumer.ftc.gov/consumer-al…
This was sent to me by a client. She viewed a VantageScore & this is why no lenders use it to make decisions. Vantage says having a credit mix meaning credit cards, auto loan, & mortgage is HIGHLY INFLUENCIAL& is more important than paying on time! Only MODERATELY INFLUENCIAL. That's nuts!
FDCPA is irrelevant to the bureaus themselves-Equifax-Experian-TransUnion. The FCRA is what regulates the bureaus. IMO the bureaus hide behind eOSCAR in violation of the FCRA never legitimately addressing disputes. Consumers need to know their rights & how to respond when the bureaus falsely claim the debt was verified. That's total BS. They never send the dispute letter to the creditors. They simply send a 3 letter code that ever contains the full dispute & is a basis for suing the bureau, the creditor & getting the debt wiped-out and removed from your credit report!
I know this sounds too good to be true but here it is>
The credit bureaus say if the item reported is true it can't be removed from a credit report. EVERY negative item CAN BE REMOVED. I ruined my credit to prove it can! I owned a collection agency. I know how the system works. Ask me questions. Go to rickmansfield.com/credit-rep…
Ive been In credit & debt collection industry since 1972. Life happens! No one ruins their credit on purpose (except me, to prove it can be fixed). Got a credit repair question> Email me → rickmansfield.com/credit-rep…"
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