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	<title>Comments on: Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself - part I of III</title>
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	<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/</link>
	<description>Insights and Advice on how to do just about anything from those who have already done it.</description>
	<pubDate>Wed, 19 Nov 2008 23:53:13 +0000</pubDate>
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		<title>By: The Carnival of Twenty Something Finances &#187; Poorer Than You</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-126</link>
		<dc:creator>The Carnival of Twenty Something Finances &#187; Poorer Than You</dc:creator>
		<pubDate>Mon, 16 Jun 2008 12:36:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-126</guid>
		<description>[...] presents Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself posted at [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] presents Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself posted at [&#8230;]</p>
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		<title>By: New Car Buying Guide - Need to Know Advice from an Ex-Car Salesman &#124; InsightsandAdvice.com</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-96</link>
		<dc:creator>New Car Buying Guide - Need to Know Advice from an Ex-Car Salesman &#124; InsightsandAdvice.com</dc:creator>
		<pubDate>Thu, 05 Jun 2008 07:59:28 +0000</pubDate>
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		<description>[...] Don&#8217;t EVER let a dealership run your credit until they&#8217;ve approved your offer. Otherwise, especially if you&#8217;re shopping around, you&#8217;ll have a ton of credit inquiries that will lower your credit score which will affect the rate of the loan you get. (You can read more on improving your credit score by clicking here.) [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Don&#8217;t EVER let a dealership run your credit until they&#8217;ve approved your offer. Otherwise, especially if you&#8217;re shopping around, you&#8217;ll have a ton of credit inquiries that will lower your credit score which will affect the rate of the loan you get. (You can read more on improving your credit score by clicking here.) [&#8230;]</p>
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		<title>By: Fix Your Credit Report III - Taking Them to Court &#124; InsightsandAdvice.com</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-63</link>
		<dc:creator>Fix Your Credit Report III - Taking Them to Court &#124; InsightsandAdvice.com</dc:creator>
		<pubDate>Sat, 24 May 2008 03:26:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-63</guid>
		<description>[...] serious about cleaning up your credit report, I&#8217;d recommend starting at the beginning. Click Here to read the first post on fixing your credit [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] serious about cleaning up your credit report, I&#8217;d recommend starting at the beginning. Click Here to read the first post on fixing your credit [&#8230;]</p>
]]></content:encoded>
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		<title>By: Fix Your Credit Report II - How to remove &#8220;Hard To Get Off&#8221; negative items &#124; InsightsandAdvice.com</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-61</link>
		<dc:creator>Fix Your Credit Report II - How to remove &#8220;Hard To Get Off&#8221; negative items &#124; InsightsandAdvice.com</dc:creator>
		<pubDate>Sat, 24 May 2008 03:23:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-61</guid>
		<description>[...] it first because it discusses a necessary step for what I&#8217;m going to discuss here to work. Click Here to read my first post on fixing your credit report. As stated in my previous article, this [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] it first because it discusses a necessary step for what I&#8217;m going to discuss here to work. Click Here to read my first post on fixing your credit report. As stated in my previous article, this [&#8230;]</p>
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		<title>By: Save Money on Gas - Make the Most of it at the Pump &#124; InsightsandAdvice.com</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-57</link>
		<dc:creator>Save Money on Gas - Make the Most of it at the Pump &#124; InsightsandAdvice.com</dc:creator>
		<pubDate>Wed, 21 May 2008 09:26:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-57</guid>
		<description>[...] Simple ways you can clean up your credit report yourself. [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Simple ways you can clean up your credit report yourself. [&#8230;]</p>
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		<title>By: The 140th Carnival of Debt Reduction: Circus Day Edition &#124; Prime Time Money</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-51</link>
		<dc:creator>The 140th Carnival of Debt Reduction: Circus Day Edition &#124; Prime Time Money</dc:creator>
		<pubDate>Mon, 19 May 2008 11:35:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-51</guid>
		<description>[...] Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself posted at InsightsandAdvice.com. [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself posted at InsightsandAdvice.com. [&#8230;]</p>
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		<title>By: Lars</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-29</link>
		<dc:creator>Lars</dc:creator>
		<pubDate>Sat, 17 May 2008 19:28:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-29</guid>
		<description>Did you write a dispute letter to the credit unions or to the company reporting the "mysterious items"? It sounds like you wrote to the credit unions. What I would do is review what the credit unions said about their findings. Next find the address of the "mysterious items" and write THEM directly asking for WRITTEN PROOF including your signature on the contract. Furthermore I would send a similar letter to the credit unions vehemently saying that the items were not yours and ask them to provide you with WRITTEN PROOF, including your signature on the contract. I believe if you ask for a copy of the contract they must provide it to verify the account and if they cannot, it should come off your report. Hope that helps. Let me know. I'm going to write another post soon about what to do if you're positive the items are not yours and they (the negative accounts) will not come off your report. You can get on insightsandadvice RSS (it's in the upper right side of the page) so you know when it's up.</description>
		<content:encoded><![CDATA[<p>Did you write a dispute letter to the credit unions or to the company reporting the &#8220;mysterious items&#8221;? It sounds like you wrote to the credit unions. What I would do is review what the credit unions said about their findings. Next find the address of the &#8220;mysterious items&#8221; and write THEM directly asking for WRITTEN PROOF including your signature on the contract. Furthermore I would send a similar letter to the credit unions vehemently saying that the items were not yours and ask them to provide you with WRITTEN PROOF, including your signature on the contract. I believe if you ask for a copy of the contract they must provide it to verify the account and if they cannot, it should come off your report. Hope that helps. Let me know. I&#8217;m going to write another post soon about what to do if you&#8217;re positive the items are not yours and they (the negative accounts) will not come off your report. You can get on insightsandadvice RSS (it&#8217;s in the upper right side of the page) so you know when it&#8217;s up.</p>
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		<title>By: Adam Pieniazek</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-28</link>
		<dc:creator>Adam Pieniazek</dc:creator>
		<pubDate>Fri, 16 May 2008 02:19:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-28</guid>
		<description>I have a few items on my credit report that are mysterious. They are accounts for which I do not remember ever receiving a bill and thus I disputed these items and requested a bill. Though I've disputed these items a couple of times I've yet to receive a bill nor has the item come off my credit report. Could you suggest a next step?</description>
		<content:encoded><![CDATA[<p>I have a few items on my credit report that are mysterious. They are accounts for which I do not remember ever receiving a bill and thus I disputed these items and requested a bill. Though I&#8217;ve disputed these items a couple of times I&#8217;ve yet to receive a bill nor has the item come off my credit report. Could you suggest a next step?</p>
]]></content:encoded>
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	<item>
		<title>By: Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself &#124; Free Credit Report Information</title>
		<link>http://www.insightsandadvice.com/2008/05/fix-your-credit-report-simple-fixes-you-can-easily-do-yourself/#comment-27</link>
		<dc:creator>Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself &#124; Free Credit Report Information</dc:creator>
		<pubDate>Wed, 14 May 2008 05:06:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.insightsandadvice.com/?p=24#comment-27</guid>
		<description>[...] Lars placed an interesting blog post on Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Lars placed an interesting blog post on Fix Your Credit Report - Simple Fixes You Can Easily Do Yourself [&#8230;]</p>
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