Debt Consolidation http://www.consolidationdebtfree.com Thu, 24 Nov 2011 10:37:00 +0000 en hourly 1 http://wordpress.org/?v=3.0.2 How to delete Inquiries from CRAs [transunion] [experian] http://www.consolidationdebtfree.com/how-to-delete-inquiries-from-cras-transunion-experian.html http://www.consolidationdebtfree.com/how-to-delete-inquiries-from-cras-transunion-experian.html#comments Thu, 24 Nov 2011 10:37:00 +0000 admin http://www.consolidationdebtfree.com/?p=4096 rn
rnWenn them to do this, I am up to the opening creditors, Dorman has been in the last 5 years?Reply:Thanks everyone. Working on that now!
Reply:How to Erase Credit Inquiries
http://www.creditinfocenter.com/repair/inqerase.shtml
Reply:Here is a link for bumping on Trans Union Via True Credit.http://{$MySite]]> Each mind sharing how to delete TransUnion, Experian and Equifax to requests from my credit reports? TR has in years 7 2, 2, and Experian, Equifax 2 below. I ask
rn
rnWenn them to do this, I am up to the opening creditors, Dorman has been in the last 5 years?
Reply:Thanks everyone. Working on that now!
Reply:How to Erase Credit Inquiries
http://www.creditinfocenter.com/repair/inqerase.shtml
Reply:Here is a link for bumping on Trans Union Via True Credit.http://{$MySite}/forums/showthread.php?t=275183&highlight=bumping+true+credit
PS There are many others if you do a search.
Reply:Read this to remove inquiries from EQ. http://{$MySite}/forums/showthread.php?t=263630
Reply:That is actually a low number for inquiries. They stay on your report for 2 years, but only are factored into your score for 12 months. Do a search on "removing inquries" and "bumping". There are TONS of posts on this.

:goodluck:

]]> http://www.consolidationdebtfree.com/how-to-delete-inquiries-from-cras-transunion-experian.html/feed 0 EQ Posted on my CR "Paid Collection." HELP ! [credit report score] [direct energy] http://www.consolidationdebtfree.com/eq-posted-on-my-cr-paid-collection-help-credit-report-score-direct-energy.html http://www.consolidationdebtfree.com/eq-posted-on-my-cr-paid-collection-help-credit-report-score-direct-energy.html#comments Thu, 24 Nov 2011 07:17:00 +0000 admin http://www.consolidationdebtfree.com/?p=4094 I sent EQ (CSC) a letter asking them to check deragotory acct. The account was of OSI Recovery System (CA) and the OC was Direct Energy. Direct Energy was clearly wrong in reporting that account and gave to it. They sent me the information for which I had a $ 0 balance and never late on payments. Now, Post EQ on my CR “Paid Collection.” I've never had this posted on my CR and do not know what it means. Is it still on my credit report score? How do I get these removed and I go, OSI, or EQ Direct Energy? How do I do that? Do I DV OSI again? I send a letter to EQ? or do I have to DE and what next? I am really lost on this one. I can say that EQ does not confirm this TL within 30 days as well . Any help is welcome . Thanks .:)
Reply:If you want to sent an ITS, that's your decision. I try never to contribute to someone's decision to sue or not to sue. It is such an important personal and financial decision.

I would say that you shouldn't say anything verbally or in writing that you're not prepared to follow through on.

Reply:Do I send OSI an ITS ? I already DV'd them. I have noticed that when you send an ITS threating to sue by a certain day they usually remove it.. what do you think ?
Reply:Who is doing the reporting? OSI, I bet.

If so, write them, informing them of the error and their responsibility to remove it, and include proof of the error.

]]> http://www.consolidationdebtfree.com/eq-posted-on-my-cr-paid-collection-help-credit-report-score-direct-energy.html/feed 0 Verizon: Live Reporting [credit bureau] [3 years] http://www.consolidationdebtfree.com/verizon-live-reporting-credit-bureau-3-years.html http://www.consolidationdebtfree.com/verizon-live-reporting-credit-bureau-3-years.html#comments Thu, 24 Nov 2011 03:57:00 +0000 admin http://www.consolidationdebtfree.com/?p=4092 Reply]]> Best Answer: You dispute this thru the 3 major credit reporting agencies…IE TransUnion, Equifax, et al.

If the creditor cant prove the debt, they MUST remove the mark in 30 days BY LAW.

Do everything in writing and send all written correspondence via Certified Mail-Retirn Receipt Requested…

UNDER NO CIRCUMSTANCE do you tell the "creditor" that you will pay the bill, you you WILL be on the hook for the debt AND earn a negative mark to add insult to injury….

Reply:One customer service rep said a letter had gone out in July. I asked for a copy and they said they would send it (I didn't get it in July and I haven't gotten one since I've asked). The other sales rep said the same thing you reported, that only accounts in default should be reported. I have spoken to a couple of sales reps who have had no training on this or knowledge of this (yes, they claim they sent me a letter but their own cs reps don't know about this).
Reply:Ha, you weren't the only one who was VERY surprised when the current verizon-account showed up on the credit-report. I called them to see what's going on and the best thing was that they had no idea about this reporting (according to verizon, only accounts in default would be reported….).

Yeah, Verizon should at least tell their customer service that they started reporting on a regular basis, even on current accounts.

Your 100% right – I'll take care of this account, that's for sure… :evil:

]]> http://www.consolidationdebtfree.com/verizon-live-reporting-credit-bureau-3-years.html/feed 0 Finally received an answer to my answer, maybe. [hi folks] [summons] http://www.consolidationdebtfree.com/finally-received-an-answer-to-my-answer-maybe-hi-folks-summons.html http://www.consolidationdebtfree.com/finally-received-an-answer-to-my-answer-maybe-hi-folks-summons.html#comments Thu, 24 Nov 2011 00:37:00 +0000 admin http://www.consolidationdebtfree.com/?p=4090 rn
rnVor about a year I was with a summons for a debt I owed, and I came on these forums with questions on how to answer it. I answered the charge properly and put it on my local town hall. Did not hear anything after that either the court or the lawyers that filed.
rn
rnEs now a year later, and I received a package in the mail from the attorney that the motion filed with a copy of several old statements (with a number I much less guilty than thte number that wav]]> Hello folks.
rn
rnVor about a year I was with a summons for a debt I owed, and I came on these forums with questions on how to answer it. I answered the charge properly and put it on my local town hall. Did not hear anything after that either the court or the lawyers that filed.
rn
rnEs now a year later, and I received a package in the mail from the attorney that the motion filed with a copy of several old statements (with a number I much less guilty than thte number that waved on the original was filed), a contract of sale by the creditor to several collection agencies (not included with my bill of sale or guilt, only the contract of sale by the creditor that a bunch of bad debts this demand collector.
verkauftrn
rnIn his letter to me, he told me to call him to discuss settlement.
rn
rnPaar red flags appeared: First, it is not by the courts, he wants to on the phone that I know talk is a no-no, he has. not really show me that they own the debt. It showed me only the account of the sale of a pile of debt. Who says that its my fault?
rn
rnWie I should reply in writing the law, as this is the only method that I use, to communicate with any debt collector?
Best Answer: "I got my unemployment and continued to, but he got maybe two checks, before he received a letter telling him that he couldn't receive benefits because he quit."

there's your answer……………….

Reply:File a motion to dismiss for lack of prosecution. It's been over a year and he's wanting to settle.

File the motion and get it calendared. Then call him…

The fact that you received something in the mail is enough to defeat the motion. New York courts are painfully slow, anyway. I've got two or three cases at work that have been waiting for a hearing date for nearly two years. A year is nothing. Don't waste your time.

Reply:File a motion to dismiss for lack of prosecution. It's been over a year and he's wanting to settle.

File the motion and get it calendared. Then call him…

Reply:I think the language in your note is a bit strong. Personally, I don't want to be forced to go to court, and in the end, I'd rather negotiate with the guy in writing without actually negotiating with the lawyer.

Then by all means, use only part of my suggestion, and tone it down.

How about:
The documentation you have provided is not satisfactory ( or maybe "inadequate" is better). In order to resolve this matter, I require a complete accounting of how plaintiff arrived at the amount he is claiming, proof that my account is included in the blanket bill of sale you provided, and (whatever else you want.) Due to the serious nature of this matter, I request that all communication be in writing, so that I may have records for my files.

Regards,
DH

On further consideration: you're no longer in the DV phase. You're engaged in a lawsuit. The things I mentioned are better requested through the formal Discovery process. Since this varies from state to state, you need to find out the right format for your state. DH

Reply:but keep in mind several important things.

1) If you settle for an amount less than is showed owing, they can sell that difference to another debt collector – make sure you get in writing that it is a full settlement and that the balance will not ever be sold.

2) Get them to take account off of your credit reports if possible – they may argue they cant make changes or they have to report accurately, so you just ask them to take account off, nothing says they have to report account, but if they report account it must be accurate.

3) Be prepared for any tax consequences – if it is over (I think it is $600) they will probably send you a 1099-c, not a big deal if it is a small amount.

Good Luck

Reply:This is not a "no-no." In fact, this is what the court hopes will happen. The court hopes that the two parties will engage in Discovery. This is the process by which each side shows the other their evidence. The court then hopes one side or the other will see that they can't win the case, then they will reach a settlement. The court hopes never to actually hear the case and have to make a decision.

Your response should be to inform the opposing lawyer that his evidence is not compelling, and you are not interesting in negotiating a settlement, and that you a willing to take the case to trial before a judge, in the event that he is not ready to dismiss his case.

Good luck.
DH

Well, no-no might be putting it strongly… To me, me personally contacting him for a settlement via phone just sounds like he's A) going to try and take advantage of me and B) realized he can't win the case in court.

I think the language in your note is a bit strong. Personally, I don't want to be forced to go to court, and in the end, I'd rather negotiate with the guy in writing without actually negotiating with the lawyer. In the end, I do want to settle the debt, but of course, I won't have enough liquid cash until Tax Time. So what I'm trying to ask is how can I get the situation delayed until February when I know I'll have money to negotiate. I guess what I'm looking for is a viable note to come back at him with that puts the onus on him to get proper validation.

I mean, can I ask for original signed contracts with the Origial Creditor to further prove that they are now the owner of the debt, and documentation that my specific debt was transferred to their collection company?

Reply:Couple of red flags popped up: First, he's not going through the courts, he wants to talk on the phone, which I know is a no-no.

This is not a "no-no." In fact, this is what the court hopes will happen. The court hopes that the two parties will engage in Discovery. This is the process by which each side shows the other their evidence. The court then hopes one side or the other will see that they can't win the case, then they will reach a settlement. The court hopes never to actually hear the case and have to make a decision.

Your response should be to inform the opposing lawyer that his evidence is not compelling, and you are not interesting in negotiating a settlement, and that you a willing to take the case to trial before a judge, in the event that he is not ready to dismiss his case.

Good luck.
DH

Reply:Why haven't you filed a motion to dismiss for lack of prosecution? You are telling us that you answered the suit a year ago and they haven't done anything with it until now? This is madness! Look up motion to dismiss for lack of prosecution.

Also, the documents he sent you are worthless. Were there any affidavits from the OC or previous debt buyers stating that the statements were truthful? If you cannot afford an attorney, please see legal aid or SOMEONE about this!

That's the fun in all of this, my friend. Dude's totally sidestepping the courts because he wants to talk to me in person. Heh, I know better.

Didn't think I had to file a motion to dismiss since it was past thirty days since I filed an answer. But hey, more paperwork is fine with me, I suppose.

Here's what he sent: Statements from the last 18 months and the chain of title of the debt. the chain of title of debt is two statements: One was the group who bought a group of debts from the original creditor: (don't know if I'm part of this or not) and an Assignment of Accounts to this laywer. Again, nothing with my name on it. The only thing with my name is statements from the original creditor.

Reply:Why haven't you filed a motion to dismiss for lack of prosecution? You are telling us that you answered the suit a year ago and they haven't done anything with it until now? This is madness! Look up motion to dismiss for lack of prosecution.

Also, the documents he sent you are worthless. Were there any affidavits from the OC or previous debt buyers stating that the statements were truthful? If you cannot afford an attorney, please see legal aid or SOMEONE about this!

]]> http://www.consolidationdebtfree.com/finally-received-an-answer-to-my-answer-maybe-hi-folks-summons.html/feed 0 Need a plan of attack [call recording] [plan of attack] http://www.consolidationdebtfree.com/need-a-plan-of-attack-call-recording-plan-of-attack.html http://www.consolidationdebtfree.com/need-a-plan-of-attack-call-recording-plan-of-attack.html#comments Wed, 23 Nov 2011 21:17:00 +0000 admin http://www.consolidationdebtfree.com/?p=4088 rn
rnIch have credit cards all accounts the same age from 3 years. Of these 5 have been sold 3 to CA and some other CA in the 1st CA. I have contacted from time to time over the years from this CA, but never talked to them or write them. None of them tried to sue me (and many have threatened). Some CA recently tried to get me to work on, but since I work for a Call Recording Company, I can easily display them (plus I think it intimidates them) 0.
rn
rnPr?mis]]> Situation: 5 CO
rn
rnIch have credit cards all accounts the same age from 3 years. Of these 5 have been sold 3 to CA and some other CA in the 1st CA. I have contacted from time to time over the years from this CA, but never talked to them or write them. None of them tried to sue me (and many have threatened). Some CA recently tried to get me to work on, but since I work for a Call Recording Company, I can easily display them (plus I think it intimidates them) 0.
rn
rnPr?misse:
rn
rnIch've heard that you should never pay the CA only the OC. However, the old OC so the only way is to pay the CA.
rn
rnFragen: I
rn
rnSollte the debt by the OC only if it (of course written) promise to remove its entry from my credit report?
rn
rnWenn-And-they want to remove the entry, is how difficult it may be, removes the CO OC from my CR?
rn
rnOder should I pay nothing and try the techniques to negative comments from my CR first step should be? If so, what first?
rn
rnMai main concerns are:
rn
rn1. Stirring a hornet's nest with the CA
rn2. Re-aging on something my CR
rn3. Sued
rn
rnIch would be testing the waters begin soon. Thanks in advance for any advice.
rn
rnVielen Thanks!
Best Answer: You will need a CCTV or invisible powder that can only be seen with a black light.
Reply:http://www.permissiblepurpose.com/
Reply:Can we have a short line or link about the Lizard King saga?
Reply:I didn't mean beg them, literally, but if they re-aged, I'd be ready to smack them about on it. I am familiar with the Lizard king saga.
Reply:47 uses lots of language shorthand and sometimes his advice comes out as gibberish. Make sure you get input from several people.

You should not pay a CA unless they can validate without violating the laws and agree to delete negative info.

This is hard to understand and it's not necessarily true. No, what should be done is a little investigation. Is this a valid debt? If so, how do I know how much I owe. Is the collect entitled legally to collect?

The way to determine the answers to these questions is to use the debt validation technique. The link to this is above.

I would 1-2 punch the CA's.
This is all part of the debt validation technique.

Concenrs 1 and 2 are meaningless.
I would worry, it depends on several things – what is the sol, etc.

I'd beg them to reage so I can sue their pants off. Re-aging is illegal.

Please don't offer such advice EVER AGAIN!! Trying to get people to perform actions to sue is what landed Lizard King (infamous in the credit world) the target of lawsuits. This is a felony.

Stirring up a hornets nest isn't a worry, since they can't call, if you tell them to stop.
:roll:

Getting sued is probably a minor concern as well. They probably would have done it if they were going to.
What are you, a crystal ball?? You have no idea!

Reply:1-2 punch = sending a debt validation letter to the CA, and disputing the the CRA's when you get the return reciept back from them. If they verify before providing validation, that is continued collection activity, a FDCPA violation.

PFD= pay for delete. I haven't heard of people having much success with it.

Reply:Thanks guy. In fact, I have read some of your other replies on this forum and I like your style and advice.

Would you mind elabortating on these two comments? Thanks!

"I doubt an OC would agree to a PFD, but it never hurts to try."

"I would 1-2 punch the CA's."

Reply:You should not pay a CA unless they can validate without violating the laws and agree to delete negative info.

I doubt an OC would agree to a PFD, but it never hurts to try.

I would 1-2 punch the CA's.

Concenrs 1 and 2 are meaningless.

I'd beg them to reage so I can sue their pants off. Re-aging is illegal.

Stirring up a hornets nest isn't a worry, since they can't call, if you tell them to stop.

Getting sued is probably a minor concern as well. They probably would have done it if they were going to.

Adjust your mindset. Start thinking of suing them.

]]> http://www.consolidationdebtfree.com/need-a-plan-of-attack-call-recording-plan-of-attack.html/feed 0 What CRA score is PG? [transunion] [different places] http://www.consolidationdebtfree.com/what-cra-score-is-pg-transunion-different-places.html http://www.consolidationdebtfree.com/what-cra-score-is-pg-transunion-different-places.html#comments Wed, 23 Nov 2011 17:57:00 +0000 admin http://www.consolidationdebtfree.com/?p=4086 n
nIch seriously get different opinions from different places. Here's what I get: (myFICO through) 643
nTRANSUNION::
n
nMyFICO 613 (ouch)
nPG: 633 (from 632 to yesterday!)
nEQUIFAX: 658 (order from a report I received in the mail yesterday from their website)
n
nWas is "right"?Reply:No, it is not a FICO score. It is a PG score based on EQ...for whatever that is worth. It may help show trends and the]]> Which model is based on PG? What is myFICO?
n
nIch seriously get different opinions from different places. Here's what I get: (myFICO through) 643
nTRANSUNION::
n
nMyFICO 613 (ouch)
nPG: 633 (from 632 to yesterday!)
nEQUIFAX: 658 (order from a report I received in the mail yesterday from their website)
n
nWas is “right”?
Reply:No, it is not a FICO score. It is a PG score based on EQ…for whatever that is worth. It may help show trends and the results of different actions on your account, but that is probably about it.
Reply:The score you get on PG is based on your equifax report but it's calculated by PG and not EQ and I don't think it's really a FICO score.
]]> http://www.consolidationdebtfree.com/what-cra-score-is-pg-transunion-different-places.html/feed 0 Not sure who to settle with [credit charge offs] [collection agencies] http://www.consolidationdebtfree.com/not-sure-who-to-settle-with-credit-charge-offs-collection-agencies.html http://www.consolidationdebtfree.com/not-sure-who-to-settle-with-credit-charge-offs-collection-agencies.html#comments Wed, 23 Nov 2011 14:37:00 +0000 admin http://www.consolidationdebtfree.com/?p=4084 ]]> Best Answer: You should contact a CPA who specializes in tax (not all do) or an EA (Enrolled Agent). Both can help you figure your taxes for each year as well as represent you with the IRS and tax court, if necessary. Most will give you a free consultation to assess the time required & give some type of fee estimate.
Reply:If you're willing to pay it, just pick up the phone and call the OC. Get the details in writing if you can.
]]> http://www.consolidationdebtfree.com/not-sure-who-to-settle-with-credit-charge-offs-collection-agencies.html/feed 0 EQ split my file what's that mean exactly? [eq] http://www.consolidationdebtfree.com/eq-split-my-file-whats-that-mean-exactly-eq.html http://www.consolidationdebtfree.com/eq-split-my-file-whats-that-mean-exactly-eq.html#comments Wed, 23 Nov 2011 11:17:00 +0000 admin http://www.consolidationdebtfree.com/?p=4082 rnIst it a good or a bad thing. Is that why things seem to reappear after they deleted?
rnHilfe .Reply:If the file has been split that means that you 1) either have too big of a credit file or 2) been using a monitoring service for too long a period of time to cause the file to split.

All they have to do is remerge the file and delete some of the soft inquiries so it can go b]]> I just recived my latest report from Eq. and they say my file has been split. What is the mean.
rnIst it a good or a bad thing. Is that why things seem to reappear after they deleted?
rnHilfe .
Reply:If the file has been split that means that you 1) either have too big of a credit file or 2) been using a monitoring service for too long a period of time to cause the file to split.

All they have to do is remerge the file and delete some of the soft inquiries so it can go back together.

Recommend if you are using a monitoring service that stop, this might reset some of the past information if you have been disputing prior to the split. Like one step forward and two steps back.

Reply:It's bad. It means you have 2 files with things split between them. When they merge them it will often include items that have been deleted. Go through your paperwork so you can show them what items have been deleted.
]]> http://www.consolidationdebtfree.com/eq-split-my-file-whats-that-mean-exactly-eq.html/feed 0 HSBC charge off / refused PFD [interest portion] [debt collector] http://www.consolidationdebtfree.com/hsbc-charge-off-refused-pfd-interest-portion-debt-collector.html http://www.consolidationdebtfree.com/hsbc-charge-off-refused-pfd-interest-portion-debt-collector.html#comments Wed, 23 Nov 2011 07:57:00 +0000 admin http://www.consolidationdebtfree.com/?p=4080 rn only try to negotiate and save some $ $ $ $ in the process.Reply:It was charged off in August 2007. Times have been tough and they charged it o]]> I gave HSBC the original amount on a charged off credit card payable, net of interest, in return for a payment for the cancellation. They responded by mail and told that they do not. I offer the same amount and ask “paid as agreed” after a? together with a written warranty claims, that the interest component will not be sold to a debt collector?
rn only try to negotiate and save some $ $ $ $ in the process.
Reply:It was charged off in August 2007. Times have been tough and they charged it off before I could catch up, I have two small CapitalOne cards in the same boat.
Reply:How old is your account with HSBC, out of curiosity?
]]> http://www.consolidationdebtfree.com/hsbc-charge-off-refused-pfd-interest-portion-debt-collector.html/feed 0 CREDIT MONITORING SERVICES- WHOSE THE BEST? [credit monitoring services] [anyone have suggestions] http://www.consolidationdebtfree.com/credit-monitoring-services-whose-the-best-credit-monitoring-services-anyone-have-suggestions.html http://www.consolidationdebtfree.com/credit-monitoring-services-whose-the-best-credit-monitoring-services-anyone-have-suggestions.html#comments Wed, 23 Nov 2011 04:37:00 +0000 admin http://www.consolidationdebtfree.com/?p=4078 As much money as I pull on reports over the last 1 1 / 2 years spent figure I sense to a monitoring service. I want one, let me pull my 3b reports as often as I need and check my fico is when to use forever. Does anyone use proposals on the best companies out there? THANK YOU!
Best Answer: Credit monitoring doesn't prevent ID theft because you are only notified after someone has applied for credit.

It's best to safeguard your personal information w/ these measures:
http://www.consumerreports.org/cro/money…
http://www.consumersunion.org/creditmatt…
http://www.bankrate.com/brm/news/pf/iden…

However, it is still worthwhile to check your credit reports to make sure you are in the clear. "Foley's recommendation: set up your own mini-monitoring service by requesting your free credit report from each of the bureaus. "Check one the first four months of the year. Second four months, you check another one. Third four months, you check the third one."
http://cbs2chicago.com/seenon/local_stor…

Related link: http://www.bankrate.com/brm/news/pf/2006…

Review of credit monitoring services: http://www.bankrate.com/brm/news/pf/2006…

Reply:Thanks, I appreciate the response. I thought that I was reading it right when it said ficos for equifax only, but I also thought that there might be another subscription that allowed all 3 that I wasn't finding. Thanks again!!
Reply:aints,
please understand that when you pull your report from privacy guard, they are not true fico scores. they are privacy guards interpretation of what they think your fico would be. they are not the real thing and they are not totally accuarate. look at my signature in this post and you will see what i mean.

on myfico, you can continually pull equifaxes score, however you can't get the total report all the time.

i have privacy guard for watching what gets posted to my report. it is not accurate for monitoring my scores, though.

Reply:If anyone could enlighten me on myfico would be much appreciated. Thanks.
Reply:I'm also wondering about myfico. It says on there that you can continue to pull your fico but if I'm understanding correctly, you only get the one score. What are you guys doing in order to get all 3 fico scores whenever?
Reply:Thanks for all of the input. From everything I've been investigating, I can't find one single company that will let you pull your credit whenever with any of the 3 cra's. They all let you pull an initial 3 report, and most of them let you pull your credit whenever, but it's only with their affliated cra. If anyone out there has found one that uses all 3 cra's on an ongoing basis, please let me know. THANKS!

I've used www.mycreditkeeper.com and have been fairly happy with them. They let me pull 3b reports daily. It also offers fako scores, and costs $9.99 a month. It seems decent, but doesn't list any soft inq on any of the reports. They also get some information wrong on EQ, but for the most part I'm happy with them.

Reply:Thanks for all of the input. From everything I've been investigating, I can't find one single company that will let you pull your credit whenever with any of the 3 cra's. They all let you pull an initial 3 report, and most of them let you pull your credit whenever, but it's only with their affliated cra. If anyone out there has found one that uses all 3 cra's on an ongoing basis, please let me know. THANKS!

I've used www.mycreditkeeper.com and have been fairly happy with them. They let me pull 3b reports daily. It also offers fako scores, and costs $9.99 a month. It seems decent, but doesn't list any soft inq on any of the reports. They also get some information wrong on EQ, but for the most part I'm happy with them.

Reply:It also says on there that after the trial, they will bill you monthly and then after a year the will bill you at the current rate. So what is their actual yearly subscription fee?
Reply:It also says on there that after the trial, they will bill you monthly and then after a year the will bill you at the current rate. So what is their actual yearly subscription fee?
Reply:I am not sure about the alerts part, I never really payed to much attention to that, but the PG account set up you can do online, then they send you a security code in the mail to access it for the first time, but you do not have to wait, all you have to do it call PG and tell them you would like your code, they will verify you with a few pieces of info and give it to you right over the phone.
Reply:I am not sure about the alerts part, I never really payed to much attention to that, but the PG account set up you can do online, then they send you a security code in the mail to access it for the first time, but you do not have to wait, all you have to do it call PG and tell them you would like your code, they will verify you with a few pieces of info and give it to you right over the phone.
Reply:Thanks for the website post. Before I posted this question, this was one of the sites I went to, but everyone's right about not being able to sign up online. There's nothing posted on there opening website to click to, you have to call them on the phone. I'm still a little hesitant though. I know you said that you can pull your report from all 3 everyday if you want, but what the are saying on their site is daily monitoring from "A" major credit bureau. Maybe that means they are just monitoring one for changes that affect you but that you can still pull all 3, or they might have changed the package they are offering. Any advice appreciated! THANKS!!!
Reply:Thanks for the website post. Before I posted this question, this was one of the sites I went to, but everyone's right about not being able to sign up online. There's nothing posted on there opening website to click to, you have to call them on the phone. I'm still a little hesitant though. I know you said that you can pull your report from all 3 everyday if you want, but what the are saying on their site is daily monitoring from "A" major credit bureau. Maybe that means they are just monitoring one for changes that affect you but that you can still pull all 3, or they might have changed the package they are offering. Any advice appreciated! THANKS!!!
Reply:signed up for http://www.identityguard.com but they only seem to update every 3 months..however they did have all the information and address for CA that I didn't have…so it was useful..apart from that I just keep PG,myfico.com and do direct pulls if I need to accurately verify the information..I find PG is not always 100%, so baseline yourself by seeing what the direct pulls have and what PG has
Reply:signed up for http://www.identityguard.com but they only seem to update every 3 months..however they did have all the information and address for CA that I didn't have…so it was useful..apart from that I just keep PG,myfico.com and do direct pulls if I need to accurately verify the information..I find PG is not always 100%, so baseline yourself by seeing what the direct pulls have and what PG has
Reply:I found this link when doing searches through other forums, they are not offering a monthly fee of $12.99 a month afterwards to very many people, I think it is a Pilot they are doing, but when you click on the link, look to the left at the small black print.. Then reason I sent the link straight here is because, if you got to the main PG paig, you will not get this deal.. :D
Reply:I found this link when doing searches through other forums, they are not offering a monthly fee of $12.99 a month afterwards to very many people, I think it is a Pilot they are doing, but when you click on the link, look to the left at the small black print.. Then reason I sent the link straight here is because, if you got to the main PG paig, you will not get this deal.. :D
Reply:Duh….My bad , I clicked the wrong link I guess. I found it :D
Reply:Duh….My bad , I clicked the wrong link I guess. I found it :D
Reply:when I went to the PG site , I didn't see anything about a free trial . It just listed the prices to buy the reports. Is it still offered ? Did I just not see it ?
Reply:when I went to the PG site , I didn't see anything about a free trial . It just listed the prices to buy the reports. Is it still offered ? Did I just not see it ?
Reply:This PG link I gave you gives that ability, I pully all three reports everyday, and all three scores.
Reply:This PG link I gave you gives that ability, I pully all three reports everyday, and all three scores.
Reply:Thanks for all of the input. From everything I've been investigating, I can't find one single company that will let you pull your credit whenever with any of the 3 cra's. They all let you pull an initial 3 report, and most of them let you pull your credit whenever, but it's only with their affliated cra. If anyone out there has found one that uses all 3 cra's on an ongoing basis, please let me know. THANKS!
Reply:Thanks for all of the input. From everything I've been investigating, I can't find one single company that will let you pull your credit whenever with any of the 3 cra's. They all let you pull an initial 3 report, and most of them let you pull your credit whenever, but it's only with their affliated cra. If anyone out there has found one that uses all 3 cra's on an ongoing basis, please let me know. THANKS!
Reply:Here you go… I am also using PG currently myself, if you go straight to the PG site given they only offer $1 for 2 months then the $100+ annual fee, If if you plan on keeping it longer, thats pretty steep. But I was doing some searches and found a link that gives you a $12.99 a month after the trial. I am not sure if signing up straight from going to PG site gives you the 3CR and 3 Scores, but this one does.

https://www.privacyguard.com/global/scripts/secure/Promo.asp?promote_page_id=Registration&SID=DCBDC264A2AE4B1B12cd79ecef139e17

Reply:If you search a bit.. there are a few web addresses posted where you can try the 1 dollar trial for 2 months where you can sign up online. Good Luck! -Jenn
Reply:looks like no one really has anything bad to say about PG. I had some trouble with them when I went to cancel because we had the 3 month free thing. Be cause DH and I were both using the system, even though we were under different credit cards, they took 2 days longer to cancel his because we were "in the same household".

they did refund my money and the bank reversed the over draft charges caused by the Full year payment up front that they charged my bank account.

But, for the most part, I am satisfied with their service. Its good to use if you are just watching your reports, while you are disputing etc.

The only way to get all the info you need is to buy your full report.

I would recommend buying a new one every quarter. If you are doing aggressive repair.

Reply:Oops we posted at the same time Valk! 8-)
Reply:www.privacyguard.com

I have heard that you have to sign up via the phone now. I am a sold customer, but make sure they get your billing right.

Reply:www.privacyguard.com

They are my choice as well for monitoring.

Reply:Where can this Privacy Guard service be found? Website? Address? Phone?

THanks

Reply:pg= privacy guard. I too am a satisfied customer. Solid service.

If you want to get a hard copy of an actual bureau credit report, I too just claim denied credit and presto I get a new report. Also, you can work off that report by disputing something every 60 days or just claim denied again.

Reply:I don't know what PG is. Don't laugh. :oops:
Reply:PG is the best for monitoring. I pull PG everyday. I pull my credit report whenever… in disputes (once they are returned) they must send you a new copy. You can work off of those forever. In the case I am not disputing lately.. I just claim denied credit or whatnot. It is not hard to get a free CR. I pull MyFico every 3-6 months when I know a few things have changed or updated. I don't know that there is anything to pull Ficos daily.. but I don't really see that it is nessesary. I hope that helps some. Good Luck!! -Jenn
Reply:I'd like to know this too–I actually tried freecreditreport.com, but the problem is, they are an experian company, which means they only really complete information they give is for their own company. I was disappointed because they didn't give the contact information for any of the creditors, except for the ones listed on their report–and I have stuff that's 10 years old that my ex husband put on there. It's not like I have that information!

I suppose it doesn't matter that much, but I would have appreciated something a little more complete if I was going to be paying for it every month.

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