eauclaire
怎么快速长 credit 啊?
1708
12
2007-09-28 01:11:00
我用的 Ann Taylor 卡,因为一次用错银行帐号,弄了个 invalid payment. 后来打电话沟通了,去店了付了帐(但没有付罚款的那部分),让银行给他们寄了封解释信(打电话时候他们让这么做的,就可以免去罚款).结果其实他们没有收到这个信,就每月每月给我罚款.后来还每月都有一个 credit report.我一直都不知道.
最近在看房子,把信用记录打印出来才看到.就这一笔污点,把我的信用弄到了 685.一方面我在和 Ann Taylor 客服沟通,把钱付了,但目前他们说不能改变记录.另一方面,我想知道怎么消费能尽快的把信用记录改好.
请大家帮我出出主意吧.如果我们真的看中房子,而因为我的记录不能贷款,多郁闷啊!
他们是不是上报了信用局，说你有late payment啊
Yeah.
I did not pay the first late fee, then they charged me late fee every month, and give a report for every month.
都在看房子了?
ms常见的方法没法救这个急
妈呀，那一共报了多少次late payment啊，late payment很毁分数得，而且会作为negative factor停留很长一段时间。
要是这个记录不能消除了，那MM只好以后注意按时付款，不要把卡刷爆，控制在30％－50％以内。慢慢积攒吧。
当然，快速得积攒信用得方法貌似是没有
//sigh
So now I never go shopping at AT any more. I never got any coupon from AT while I used their card for shopping, and in the end, just because of one invalid payment (actually I made the payment before due date but selected the invalid bank account, and I made payment instore as soon as I noticed the mistake and also exchanged ideas with their assistant, and do whatever I could to solve the problem), they brought me such a big trouble.
Even in the long run, I still need to improve my credit history. So I'd better not cancel/open any new credit card, and try to make payment in full everytime???
http://www.huaren.us/dispbbs.asp?boardID=336&ID=237211&page=1
MM可以参考一下这个帖子，非常实用，可以对照着看一下怎么来注意自己得分数变化
Thanks a lot for the information.
I'll keep an eye on my credit history, and share my experience with you guys here afterwards.
Lesson learned - Sometimes the 1st assistant said it could be waived, but the 2nd and 3rd assistant will deny it. So even if you want to argue with them, make the full payment first, then ask for money back.
Damn it. But once I was told that since I made the payment, it meant that I thought it was correct. So they would not refund me any more.
How do I dispute inaccurate information?
You
may file a dispute by contacting the credit bureau that reported the
inaccurate information (be sure to keep records of all correspondence,
phone calls or emails). The bureau will then check with the original
source. This dispute process can take up to 30 days. Please click here
for a sample Credit File Investigation Request Form.
Experian does not accept disputes by mail or phone, but you may file a dispute online by visiting http://www.experian.com/rs/fi1.html.
If you have further questions regarding the Experian dispute process, please contact our Credit Education Specialists at
到底了
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