Hi all. Im glad I found this place and have been doing a lot of reading. My wife and I are torn between trying to repair our credit ourselves or filing chapter 7. We have a bunch of baddies from where we were out of work and i don't know if we could make much headway trying to remove some of them. Some are debts more than $15,000 where she had vehicles repo'd.
Anyways…..We were looking at a couple of BK sites online…..USA BK and Easy BK services. Was just wondering if anyo

I have numerous bad guys here. I know what them.
But with some of these I ask because I challenged some of the same TLS EX / TU I have to do.
Original Creditor: Not # record.
Acct on 12345XX
Date Assigned: 8/01
Balance: 186
Amount: 186
Going other reports I know what this (payday loans). I owe it. But I deny the appointments. How do I know I wrote the check in '99. But it was again confirmed by EX as well. Think I have to DV them now.
There is one th

Just wanted to see me, what the average been.
Count deletes ALL your derogs in all three of the CRA have 0.
Example: I started with 18 villains on EX. I now have 12th So I deleted 6 EX. I started with 17 bad guys at TU. I now have 10th So I deleted 7 TU. I started with 17 baddies on EQ. I now have 13th So I have 4 EQ cuts. Overall, deletions date = 17! Woo hoo!
Edited because I suck at math!

hey everyone…
as you can see i am pretty busy posting messages today!
i am excited because i only have a few baddies left to battle and i will have clean reports! woo hoo!
some of you have helped me with this issue a few months back. this CA will not respond to any of my letters concerning this account. on 1-31-07 they received this letter:
CA
24-JAN-2007
Certified Mail No.:
Re: Account no. (XXXX)
Ms. CA Dirtbag,
I am in receipt of your let

Well, the lowest scores of my EQ for a while now. I managed to get all the bad guys from my other 2 reports, but they have ignored the EQ report and do not believe me, it would always change my surprise soon.
Imagine when I drag n signedi TC tonight for my nightly report , and my EQ report is clean! The BK away! Also dropped were two collections change and a very old Helig Meyer, who was previously checked!
I could not believe it .
So I made the first charge on my new H (.)(.) T

My wife has a lot of bad guys and on average they are all $ 3000.
If get “we” sued, I'm going hard. How much influence is her report would have on me?
We were married last month, she never went to report. She has an impeccable car loan and a CC (so never got credit) 0.
villains are most SLs.

Hey everyone below I have listed ALL my baddies. If there's anything you all think I can do to raise my score I am all ears. Hopefully you all will say that I can get some deleted. Thanks
TransUnion
ALLIANCEONE
Account Type: Open
Account Number: XXXX
Payment Responsibility: Individual
Date Opened: 06/2002
Balance Date: 05/2003
Balance Amount: $0
Monthly Payment:
High/Limit: $167
Account Status: Collection
Past Due Amount:

DH and I are always ready for a mortgage in less than a year and I wanted to see where I stood. I pulled my scores today and here's where I am:
TU: 726
EQ: 671
EX: 685
I'm over 700 even if it only one! I'm so excited! I thought that was an AH on DH USAA me a huge boost, but it is not reporting on EQ and I still have a nice bump on that one. The only thing I have added in addition to USAA is an orchard. I have no bad guys to TU, 1 and 2 got the EQ to EX. Everyone

I started my online dispute with Experian in early February. Had 16 bad guys now I'm on 8!
I still have a long way to go, but that gave me just one more reason could continue my journey.
I a closed OC with lates paid changed as agreed.
3 SL with numerous false lates (including 120s) last paid as old agreed.
An removed
2 CA CO removed
An account with 2 30 days lates removed (GW letter)
My score of 477 was the end of January to 519 now . My guests had chec

That's all I can do until everything is gone?
I have a lot to clean up, but my grades do not go up that much.
I new accounts opened and the bad guys.
Here what I have is:
Applied Bank, EX and TU fell, EQ in Sept alone disputed March on checks alone. PAST SOL fall due 09
Capital ONE 1st Account if DOFD 2.9-updates every month, balance and an outstanding payment due 9/09
Capital One 2nd account to make DOFD 2.9 updates come every month, and a balance due becau