Announcements Feedback and Pub

TOS Updated

Seth — Mon, 18 Jan 2010 13:29:21 +0000

TOS Updated

Forums

Seth Mon, 01/18/2010 - 13:29

Hi All

The Creditmagic TOS has been updated. All of you are requested to acquaint yourselves with the revised TOS. I hope everyone will continue to follow the rules and make this an even better platform to participate in.

NightStar

I see you said no multiple links within one posts, I just made one, but all the links go to government sites, I had thought it was a good thing to put them together.

Do I need to edit and make a single link per post?

http://www.creditmagic.org/repair/about10219.html

Can you tell me if this is ok, or if I need to change it?

Thanks, Pammila

Wed, 03/10/2010 - 23:06 Permalink

Rules for deletion of posts: Where are my post going?

fireyone — Tue, 13 Jan 2009 15:30:22 +0000

Rules for deletion of posts: Where are my post going?

Forums

Announcements Feedback and Pub

fireyone Tue, 01/13/2009 - 15:30

Where are my post going? I have asked a couple questions and keep having them removed. I know they are not off topic because they have to deal with the subject. Is anyone else having the problem of disappearing posts. Last night I asked the community if the SOL went by the state of the debt or the state of the the credit card agreement and can not find it this morning when I went to see if their was a response.
I also asked if all three reporting agencies should list the same fall off dats and can not find that post either. My questions seem to get deleted.

Richard

Hi Fireyone
Your posts have been deleted because there has been a repetition of the same post. Creditmagic forum rules do not allow the following:
1)Repetition of posts
2)Irrelevant post or posts which are off topic
3)Posts which are only meant to earn and from which the forum do not get benefited.

Wed, 01/14/2009 - 13:00 Permalink

fireyone

Sorry Richard I did look to see if anyone else asked the question and could not seem to find an answer. I asked my question the other day and could not find my original post anywhere so yesterday I reposted the question and found it easily this morning with all the answers I was looking for.

Wed, 01/14/2009 - 13:42 Permalink

12 Sample letters to repair your bad credit

Richard — Tue, 19 Aug 2008 07:13:10 +0000

12 Sample letters to repair your bad credit

Forums

Announcements Feedback and Pub

Richard Tue, 08/19/2008 - 07:13

Credit is one of the major factors that make up everyone's daily lives. If your credit is somehow affected, you will face a large number of problems. So you should always try to repair your bad credit before it gets to be too much for you to handle. There are two options available to repair your bad credit â€“ you can get help from a credit repair company, or you can repair your credit by yourself. Letters of credit will help you to repair your credit by yourself.

Most of our members have asked for sample Letters of credit that will enable them to repair their own credit. Here are some links that will take you to the sample Letters of Credit shared by our community members.

chelsia831

do you have a sample letter from collection agency indicating a balance or debt is paid in full?

Fri, 08/29/2008 - 17:49 Permalink

anthony

Hi Chelsia
Creditors or the collection agencies do not generally send you letters confirming that your debt is fully paid. To verify whether they have updated with the credit bureaus, you need to pull out your credit report and check it. Normally the credit report is updated as "paid" as soon as you pay it off. However, if they have not updated it, you can send dispute letters to the bureaus asking them to remove the listing.

Tue, 09/02/2008 - 12:05 Permalink

hitesh (not verified)

Do you have any letters I can use for loan modification?

Thanks for some letters above. I am looking for loan modification letters you have any or can you point me to where I may get some? Thanks

Mon, 01/26/2009 - 03:00 Permalink

carol

Hi Hitesh
First of all why do you require such letter? Is it because you have fallen behind your mortgage payments and you want to avoid foreclosure. If it is the case, then you need to send a hardship letter to the creditor. If you want to get a sample hardship letter/loan modification letter, you can visit the link loan modification letter

Mon, 01/26/2009 - 06:20 Permalink

huney (not verified)

letter of credit

first letter of credid to any financial instutation

Fri, 03/06/2009 - 05:19 Permalink

Tammy (not verified)

VOD letter

I sent a verification of debt letter and have not heard anything and it has been over the 30 days. What other form of letter do i need to send?

Fri, 03/06/2009 - 21:41 Permalink

carol

You need to send a debt validation letter and not a debt verification letter, to the creditor. Debt validation means that the creditor or the collection agency must prove that they own your debt. As a proper debt validation they should send you a copy of the original agreement form and the details of the outstanding bills.

Mon, 03/09/2009 - 07:02 Permalink

ThomasB (not verified)

Then What?

I quote, "the collection agency must prove that they own your debt".

Then what do I do? How can I proove that the collection agency didnt proove that I own the debt?

Thu, 06/04/2009 - 12:35 Permalink

Aries (not verified)

paid in full debt

Do you have a sample letter asking for the removal of paid in full debt that is showing on your report. If so who does this letter get sent to?

Sun, 06/14/2009 - 08:04 Permalink

MGJ (not verified)

Restore of Credit

I am trying to restore my credit. What would be the best way to do so with my credit being the way it is now?

Tue, 06/16/2009 - 06:53 Permalink

Hi Chelsia (not verified)

balance or debt is paid in full?

You can call the creditor whom you have just paid once you have paid or even before and ask for a letter for your records showing that the debt has been paid in full, You can get it but the creditor want volunteer it. once it has been paid and recorded they will send it to you when you call and ask. I am a credit repair agency president. Hope that helps.

Tue, 06/16/2009 - 19:53 Permalink

Lexy (not verified)

restore my credit

Hi MGJ,
how's the credit? If it's pretty bad then you may need Pro help, If it looks repairable you can try to accomplish this yourself, RICHARD HAVE GIVEN YOU GUYS SOME GREAT TIPS USE THEM, If not seek Pro help, I am a credit repair company owner if you need me I can help my fees are very low, I can do what the lawyers would do and charge you less. let me know, and Good luck.

Tue, 06/16/2009 - 19:59 Permalink

MARIE MANN (not verified)

COMCAST

I NEED A LETER STATING THAT A BILL WAS PAID SO II
CAN BE REMOVED FROM MY CREDIT REPORT

Mon, 07/06/2009 - 15:55 Permalink

mARIE MANN (not verified)

COMCAST

I NEED A LETTER STATING THAT A BILL WAS PAID INEED
THIS INFORMATION REMOVED FROM MY CREDIT
REPORT

Mon, 07/06/2009 - 16:02 Permalink

Tricia (not verified)

Letter of Deletion AFTER it has been paid

What would you professionals do if you have already paid the collection, but you didn't get it deleted when you paid it? Is there another approach I should use?

Thu, 08/13/2009 - 22:10 Permalink

Ciao500

Debt Validation/Pay for Deletion Letters???

Hello Everyone,

I am new to the site (although I have been reading all the great advice for the past week or so). I have a question regarding the "Debt Validation" & "Pay for Delete" letters. Section 809 of the FDCPA explains the consumer's rights to demand that the CA requesting the information show proof that they actually own the debt. However, my understanding of this is that the DV can only be sent within the 30 day window upon initial receipt of the letter from the CA. Is this correct? Or can you send a DV letter even if

1.) Youâ€™ve received notices in the past and
2.) You've never made a single payment?

Also, in regards to the "Pay for Delete" letter (paragraph1), is it pretty much an unspoken rule that you deny the account up front?
What if you acknowledge the account but would still like to negotiate your payment, do you stil use this paragraph?

Any knowledgeable advice is much appreciated.

~Ciao500

Fri, 08/14/2009 - 23:09 Permalink

lynn (not verified)

request letter for reversal of interest

hi can you give sample of request letter for reversal of interest?

Thu, 08/20/2009 - 00:14 Permalink

Ruchit (not verified)

Debt Collection

I wish I knew about these things earlier.

Couple of mnths ago I received a collection debt on my experian report.

The thing was, landlord asked me not to cancel the electricity and gas connection and she would take care of it.... She didnt and I came to know about that after 6 mnths (as I moved from there).

As soon as I came to know about it, I called them and paid in full using my credit card.

That was a mistake... a big one...

I should have sent a mail like this before paying in full.

Fri, 08/28/2009 - 14:36 Permalink

Ciao500

Request letter for reversal of interest

That would be nice. Thank You.

Fri, 09/11/2009 - 21:32 Permalink

Mikey (not verified)

What retard wrote those letters?

I guess my ingresh is a little rusty.
To that that may come here. This site is a scam created by a collection agent.

Mon, 09/21/2009 - 07:24 Permalink

Cailly (not verified)

Exempt Income/deposits letter

Do you have a letter to send to banks stating your deposits and hence funds in accounts are exempt? ( California, Social Security full Disability, Public emplyee/police officer industrial-disability, and child support)

Fri, 10/30/2009 - 22:07 Permalink

Nita M (not verified)

Removing Disputes

I am trying to get a house but we have disputes on our reports and the mortgage company will not process until we get those disputes removed. Do you have a sample letter for removing disputes from the credit reports?

Wed, 11/11/2009 - 17:25 Permalink

debranewell2008

Hi nita,

If you go to page one of this post. You will find a dispute letter listed on the very first post. You will have to modify it and include the information of who you are disputing with. Hope this helps

Wed, 11/11/2009 - 17:33 Permalink

Kathleen (not verified)

Response letter for a summons

Do you have any sample letters for a response to a court summons to acknowledge a debt and why you haven't paid it.

Mon, 11/30/2009 - 16:31 Permalink

Chor Xiong (not verified)

Erase bad credit

I would like you to help me removed my bad credit from the last
four years. I already paid off all my debts but it stills not removed.
Please please please removed immediately so I can have a good
credit to support my family. I am thank you for the bottom
of my heart for removed this bad credit. Four years ago I have
problems paid my Xcel Energy bills so that was the only credit that
it go to the record. Please removed it, thank you very much.

Sun, 01/24/2010 - 21:39 Permalink

soule72 (not verified)

Sample agreement pay to delete letter

I need a sample letter to send along with my pay for deletion letter so that the CA can just sign and return it rather than having to write it themselves. I cant seem to find one. any ideas?

Wed, 01/27/2010 - 22:07 Permalink

moon3577 (not verified)

removing bad debit after collection

I paid off debt through collection company and now i want to have the derogotry remarks removed to show paid or up to date. The report shows paid, settlement for lesser amount. Can this be removed from the report?

Mon, 02/01/2010 - 21:15 Permalink

Dan (not verified)

Help

I have to write a letter explaining why my credit is not that good i order to get a secret clearance for a job I really need. I am having writer's block!!!

Wed, 02/03/2010 - 23:14 Permalink

Sol (not verified)

Letter to Creditors regarding divorce

My ex husband has fallen behind on payments to the house we once shared. The loan is under both our names, but seeing as he was the one who wanted to keep the house, I quit claimed it to him per the divorce decree as he was also listed on their to be the sole person responsible for the payments. The banks do not recognize a divorce decree as I had originally signed the documents to make payment.

My question is, if I provide the creditors with a copy of my divorce decree indicating that their was a judgement that proves I'm not responsible for the payments, will that help restore my credit? My ex is going to let the house go into foreclosure and it has already impacted my credit. Please help.

Thu, 02/11/2010 - 16:22 Permalink

Aaron

reply

Hi chor and moon:

If you have already paid the debt, then it won't be that easy to remove the item from your credit report. Once you have paid the dues, the creditor or the collection agency won't want to work with you anymore in relation to that account. However, if the account is showing zero balance on your credit report, then you need not worry.

Moon, you could have requested the creditor or the collection agency to agree to a "Pay for delete" agreement during the settlement.

Soule:

You can get a sample "Pay for delete" letter at http://www.creditmagic.org/repair/pay-for-delete.html . You should send it through certified mail.

Thanks.

Thu, 02/25/2010 - 10:42 Permalink

Sharon (not verified)

reply

Hi Dan:

Your question is not clear to me. Can you be more specific on which sample letter you want?

Sol:

Yes, you should immediately send a dispute letter to the creditor, along with the copy of the divorce decree indicating that you are no more responsible for the payments.

Thanks.

Thu, 02/25/2010 - 10:46 Permalink

Miranda (not verified)

Not my debt

I received a letter showing I owe for my car being towed. I have proof showing the car was sold in 2004 the debt is from 2007. Any sample letters for something similiar?

Thank you

Fri, 04/02/2010 - 03:06 Permalink

Aaron

validate debt

Hi Miranda,

What you need to do is send them a "Debt validation letter". Through debt validation you come to know whether or not the debt is yours.You will get a sample validation letter at http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .

Hope this helps.

Regards,

Aaron

Fri, 04/02/2010 - 09:04 Permalink

rose

REVERSAL LETTER

hi i need a format of reversal letter that i need to send to the bank

Mon, 04/12/2010 - 05:14 Permalink

Aaron

reversal letter

Hi Rose,

Your query has been answered at http://www.creditmagic.org/debt/reversal-letter.html#44600 .

If you have any other query, you can feel free to discuss in the forum.

Thanks,

Aaron

Tue, 04/13/2010 - 11:59 Permalink

Chocgirl (not verified)

Letter to have a paid collection removed

Does anyone have any suggestions for collections that have been paid, but I will like to request that the collection be removed from my report?

Tue, 04/13/2010 - 18:53 Permalink

csteck43 (not verified)

Letters for removal

I sent letters to all the past creditors that were on my credit report that still have the accounts as open and have kindly asked them to remove them... how long should I wait to see what happens or to write another letter? How many letters do I have to write to until they take off a negative reporting account?

Sun, 04/25/2010 - 02:16 Permalink

Aaron

letter of removal

Hi Chocgirl:

I am afraid that paid collections cannot be removed from your credit report. They are going to stay there on your report for 7 years, after which they are going to fall off their own.

csteck:

Can you give more details on your credit? Are the accounts you are talking about paid? If so, then perhaps the creditors won't want to work out with you for removing the negatives.

Thanks,

Aaron

Fri, 05/28/2010 - 11:53 Permalink

Carmen (not verified)

Student Loans

is there anything I can do about a pesky student loan on education I didn't get?

I attended a school for ultrasound technology in Houston and was able to get grants and loans to pay for my $25,000 tuition, however in the last semester there I failed ONE of my classes and was refused the ability to retake the class so I could finish my 2 yr associates degree.

I tried to transfer out and finish up, but no other schools 'recognized' the credits I had already finished and was told over and over I would have to START OVER and pay AGAIN for the same education I already had.

It's going on 10 yrs and I still owe $7,500 working a mediocre job. I have a mortgage and truck note along with other bills and I feel this one is uncoming being so I didn't benefit from it and I do NOT have a job in the field I went to school for.

Sun, 06/06/2010 - 22:00 Permalink

Aaron

student loams

Hi,

Can I know whether the student loan is a Federal Government one, or is it a private student loan?

Thanks,

Aaron

Tue, 06/08/2010 - 10:50 Permalink

lvdcrane (not verified)

need help restoring my credit

hey LEXY, I need your help in restoring my credit. How do i get in touch with you.

Sun, 07/18/2010 - 17:24 Permalink

Aaron

Hi,

Can I know who is Lexy?

Thanks,

Aaron

Wed, 07/28/2010 - 10:06 Permalink

Joey (not verified)

letters for prospective employers/bad credit

What kind of letter can you write to explain some medical bills on your credit report for prospective employers that do credit checks. And I recently went through a divorce and ex filed bankruptcy and two items are showing up on there that were not mine but my name must have been on the items. How can you explain those? thanks

Wed, 08/04/2010 - 17:21 Permalink

Aaron

letter

Hi Joey,

I am afraid I don't know how you can explain those to prospective employers. It is better to repair your credit before applying for jobs.

Thanks,

Aaron

Thu, 08/05/2010 - 10:27 Permalink

Jamescuck

Tackling Credit Repair on your own is confusing and frustrating.
Loan Hardship Letter

Fri, 08/20/2010 - 08:12 Permalink

Aaron

credit repair

Hi Jamescuck,

I don't think the same way. It is not that difficult to repair your credit on your own. You just need to know the right steps.

Thanks,

Aaron

Fri, 08/20/2010 - 11:14 Permalink

crazylady (not verified)

removing late payments

This company I am dealing with removes late payments put them back on noones knows what they are doing need a letter to have late payments removed that are file on the wrong months on credit report

Wed, 09/22/2010 - 14:39 Permalink

Aaron

removing late payments

Hi crazylady,

You need to send a dispute letter to the credit bureaus in order to remove the wrong information from your credit report. Send the letter through certified mail, requesting a return receipt.

You can refer to the sample dispute letter at http://www.creditmagic.org/repair/dispute-letter.html .

Thanks,

Aaron

Fri, 09/24/2010 - 11:19 Permalink

JOHNNY (not verified)

LAW-SUIT

I HAVE A BIG PROBLEM I GOT SOME BUISNESS LINES OF CREDIT AND I STARTED INVESTING IN REAL ESTATE AND I WAS DOING WELL THEN THE MARKET CRASHED AND NOW I CAN'T PAY MY DEBT BACK, SO I HAVE LAW-SUIT AGAINST ME. I CAN'T FILE A (BK) BECAUSE THEY WILL TAKE MY PROPERTY AWAY FROM ME IS THEIR A SOLUTION OUT THEIR ARE ME.

Wed, 10/27/2010 - 23:56 Permalink

Ruthie Santos (not verified)

I CHOSE TO PAY A CREDIT CARD IN THE SETTLEMENT AMOUNT. IT SHOWS AS PAID/CLOSED IN MY CREDIT REPORT, HOWEVER ITS REFLECTING AS SOMETHING NEGATIVE ON MY CREDIT REPORT. WHAT IS THE CORRECT LETTER THAT I SHOULD MAIL OUT?

Fri, 12/03/2010 - 16:50 Permalink

Multiple topics with the same post

Richard — Wed, 30 Jul 2008 05:39:29 +0000

Multiple topics with the same post

Forums

Announcements Feedback and Pub

Richard Wed, 07/30/2008 - 05:39

Hi forum members
It has been noticed that some of the forum members are posting a new topic more than once in this forum and these topics are just a copy paste of the other. Moreover, there are also instances where the same post is made under different topics.
It is requested that all members of this forum carefully go through the guidelines and do not paste a single post in different topics as well as do not start multiple topics with the same post.

ensurepune

We have taken note of this information.

Thu, 07/08/2010 - 18:06 Permalink

sweetums

Thank you and will be more careful in the future.

Sat, 11/13/2010 - 01:56 Permalink

Cash out request by email

Seth — Wed, 23 Jul 2008 09:30:57 +0000

Cash out request by email

Forums

Announcements Feedback and Pub

Seth Wed, 07/23/2008 - 09:30

Hi friends,

All forum members are requested to send their cash out request by email only once. There are instances where weâ€™ve received cash out request by email from a single member more than once in a single day and even in consecutive days. We request you to give us at least 5 days time to forward your payment.

You are also requested to forward your cash out request to admin(at)creditmagic.org

goodnatured

Is it okay to email if it has been past the 5 days to inquire about your request. We don't get anything back stating the request was recieved, used to be when we pm you, we got a confirmation on it.

Wed, 08/20/2008 - 04:06 Permalink

Seth

Hi friends
Please send all cash out request by email to admin(at)creditmagic.org. From now on we will be giving you a reply as soon as we receive your cash out request. We need at least 5 working days time to process your request. Please co-operate with us.

Wed, 08/20/2008 - 06:38 Permalink

goodnatured

Thank you, this will let us know that you recieved the email. I for one appreciate it.

Wed, 08/20/2008 - 10:19 Permalink

aby

for the cashout in the email what information i have to provide please anybody can know me about this

Fri, 01/30/2009 - 06:54 Permalink

sdchargers_63

credit

Hopefully my request will be confirmed soon. I requested, a payout, on the 19th of July.

Tue, 07/27/2010 - 12:47 Permalink

Shelbyitege (not verified)

ico good

atb-coin.com GOOD ico
atb-coin.com GOOD ico
atb-coin.com GOOD ico
atb-coin.com GOOD ico
atb-coin.com GOOD ico

Thu, 04/19/2018 - 06:19 Permalink

David456 (not verified)

Credit Resolving

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Sat, 01/19/2019 - 19:43 Permalink

Damian Fraser (not verified)

XAP CREDIT SOLUTION REVIEW

Hi everyone, I just thought you should know about how I tried everything possible to buy a house and to start a new business, all to no avail until I discovered XAP CREDIT SOLUTION. I was actually battling with my credit with score of 470s, but when I contacted the company above, they helped clear all the debts, liens and judgments in my profile and also increased my credit score to 780s within 15 days. I insist you get through to them via XAPCREDITSOLUTION@GMAIL.COM you can also text (972) 597 9704. Surely, youâ€™ll see positive results.

Thu, 03/28/2019 - 19:50 Permalink

Alonso Domingo (not verified)

DEBOOTH CREDIT SOLUTION

I just got out of huge debt which came as a result of loans, evictions and delayed payment. Iâ€™ve never felt such a great relief for over a decade. I was so lucky to have met a friend that told me about DEBOOTH CREDIT SOLUTION and how they helped him get out of debt. He asked me to read their reviews on trulia and credit magic. I finally consulted them for my credit repair and they delivered. My fico score was 622 before I contacted them and it was increased by 100 points after the first week bringing it to 722 and was later increased by 76 points making it 798. Iâ€™ve never experienced such a thing in my entire life. Iâ€™m still surprised at the speed and time the job was concluded. They told me that my credit will be fixed within 14 working days and it happened and Iâ€™m doing excellently well now. Contact them ASAP and get your credits fixed and I bet you, youâ€™ll testify after two weeks. Here is there contact; DEBOOTHCREDITSOLUTION@GMAIL.COM OR text +1(562) 281-7621

Tue, 04/09/2019 - 08:44 Permalink

Felix Jacob (not verified)

For credit repair, Prohack network is the answer

Hello, my name is Felix Jacob; Iâ€™m on my late forties. Am using this medium to say a very big thank you to PROHACK NETWORK for the great thing he did for me as my wife wanted to ruin my life and take all our life savings. It was a hard way and a bad one to experience at this time in my life. I was able to get my own share of the money by using this great hacker my coworker introduced me to him to hack into her cell phone to enable him receive the transfer code after he hacked into our bank account via Online banking system. His name is Scott William. (prohack.net@aol.com) I know a lot of people are going true this in the world today. If you can see my message, do not hesitate to contact him immediately. He also REPAIRS CREDIT, such as, bankruptcy, eviction, judgment , Late payment, clears all credit card debts, removes all negative items and he increases FICO Score. Email or call him and get a quick response. (prohack.net@aol.com) / +1 (252) 307-3167

Mon, 07/22/2019 - 20:13 Permalink

Tracy Allen (not verified)

Hello guys, I need a serious sender of MT103 direct, Plus or Manual download. Receiver is ready!!! Contact me via : tracyallen358@gmail.com / +1 (917) 473-3920 .

Wed, 12/25/2019 - 17:23 Permalink

Mila Henry (not verified)

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

Thu, 12/26/2019 - 09:02 Permalink

Mila Henry (not verified)

Thu, 12/26/2019 - 09:06 Permalink

Announcement : New Rule of showing Magic Points

Seth — Tue, 03 Jun 2008 12:07:52 +0000

Announcement : New Rule of showing Magic Points

Forums

Announcements Feedback and Pub

Seth Tue, 06/03/2008 - 12:07

Hi forum members,

From today, a new process has been started for creditmagic members, according to which after taking redemption for magic points, the points for which redemption has been taken will be deducted from the total magic points and the remaining magic points of the members will be shown on the creditmagic page with the postings of each members. Thanks to all for your participation in the forum.

Hope you will enjoy this system.

Anonymous (not verified)

This is great, it will cause less confusion of how many points that you have to cash out. thank you implementing this system.

Tue, 06/03/2008 - 23:23 Permalink

scott

I too think it is a wonderful idea. This would surely help us in knowing by ourselves, how much cash we will be getting by ourselves. It is surely a good initiative.

Wed, 06/04/2008 - 04:38 Permalink

Buying your credit report?

Richard — Fri, 04 Apr 2008 10:46:44 +0000

Buying your credit report?

Forums

Announcements Feedback and Pub

Richard Fri, 04/04/2008 - 10:46

Mails or online buying of credit reports are possible. This letter shows how you contact them via mail to buy your credit report.

Your Name:
Your current address

Name of CRA:
Address of CRA:

Dated:

Dear Sir/Madam,

I would request for a copy of my credit report that is maintained at your end.

Full Name:
Birth Date
SSN:
Current address:
Previous Address:

I have enclosed a check of $____ herewith. I am also attaching my driving license as address proof and a photocopy of my SSN.

Please forward my credit report to my present address at the earliest.

Thank you,
Sincerely,

Signature
Name in print

goodnatured

Good resource for those who don't want to pay for it online, thanks

Fri, 04/04/2008 - 18:19 Permalink

sdchargers_63

cr

Yea..THIS way your inforamtion doesn't go out via the internet. Hopefully..the mail won't get lost and someone will FIND your information.

Fri, 04/04/2008 - 22:48 Permalink

acydblack

Get it for free

you can visit www.annualcreditreport.com to get a free credit report once every 12 months for free. Its The Law!

Sat, 04/05/2008 - 04:16 Permalink

sdchargers_63

cb

'Annual Report' is good. first time I used them was last year. Also.....you can 'dispute' items, USING Annual Report. That way you can see your credit for free AND make 'corrections'.

Sun, 04/06/2008 - 13:02 Permalink

goodnatured

I use it too, I use one about every four months that way you can see if any changes are made, there are three different ones so if you space them out you can keep the year about covered.

Sun, 04/06/2008 - 23:09 Permalink

cbass1017

I just used annualcreditreport for the third time about a month ago and I always dispute my credit my mail as apposed to the net just because it is the easiest way to provide proof along with your dispute. You can also request a corrected up-to-date copy of your credit report everytime you dispute something so I have always just spaced out my disputes so I am getting to see my credit reports more than once a year. But I really like goodnatured's process above as well and I think I'll start doing that way in the future. I'm sure it's best to dispute something wrong on your credit as soon as you spot it.

Although even while going through annualcreditreport you have to be cautious. there are so many sneeky attempts by the credit bureaus on their websites to get you to sign up for credit monitoring services or getting your credit score for a fee. If you're just out to get your free credit report you shouldn't have to enter any credit card or debit card numbers so if they ask you then you probably selected something you don't really want.

Mon, 04/07/2008 - 03:18 Permalink

sdchargers_63

cr

How can you use AnnualCredit Report.com more than once per year, without being charged for it?

Mon, 04/07/2008 - 03:29 Permalink

cbass1017

When you go through annualcreditreport.com one of the first selections you make is which credit bureau(s) you wish to get your report from. If you only select one at a time you can space it out so every four months you are getting to see one of your credit reports. The law states that you are able to get a copy of each of your three major credit bureau reports once a year but it doesn't state that you have to order all three at once.

Tue, 04/08/2008 - 02:40 Permalink

goodnatured

that is what I do, then I can monitor any change.

If you get a denial on a credit request you can request a free report too, so if get denied reqest a report.

Sun, 04/20/2008 - 00:10 Permalink

fireyone

I am pulling my next one in August. Have some things that are suppose to fall off.

Mon, 04/21/2008 - 00:55 Permalink

goodnatured

Hopefully you will have positive results, please keep us updated.

Tue, 04/22/2008 - 01:39 Permalink

cbass1017

Its always great to see a negative account fall off of your credit report! I just have a little over two more years to go and I will be rid of my bankrupcty showing on my reports. I'm sure I'll be doing a little dance when that day comes.

Wed, 04/23/2008 - 02:38 Permalink

fireyone

I have two years myself for the collection on my report. the other one falls off this july. Some stupid doc. office bill that shouldn't even be there cause at the time I had full medical. Its only like $40 but I haven't heard from any collection place about it and since it falls off shortly, I figure thats good enough.

Wed, 04/23/2008 - 20:34 Permalink

Justin

Have come around after a long time :). Im seeing a lot of new members here as well. Hello to everyone.

I am impressed by the positive results reflected here in the posts. Great going people!!

Thu, 04/24/2008 - 04:13 Permalink

fireyone

I just joined a few months ago myself. I found this site has really helped me more than anything. When you start getting collection calls you worry yourself to death. some people do not relize there are places on the net like this. it is noce to have other people in the same situation to talk to and the moderaters to help them out.

Sun, 04/27/2008 - 01:03 Permalink

goodnatured

Justin, it is amazing how this community has grown, new people, new problems and new solutions, it has been great being here. I have gotten some good advice from the members and have developed some friendships.

Welcome back, hope you decide to stay for a while this time. :D :D :D

Sun, 04/27/2008 - 11:58 Permalink

fireyone

I didn't see this site from its beginning but I am sure by looking at member totals that it didn't happen overnight. The more people the more knowledge...more knowledge,the more power....

Mon, 05/05/2008 - 22:38 Permalink

goodnatured

you got that right fireyone and the more the better.

Thu, 05/15/2008 - 00:52 Permalink

Justin

Hi goodnatured

You are right. This community is slowly becoming a good platform for gaining knowledge. It is great to see many people joining this forum.

Thu, 05/15/2008 - 06:11 Permalink

fireyone

I was actually referred here by a friend. It would be great if there was away to make more people knowledgable about a site like this.

Sun, 05/18/2008 - 23:17 Permalink

anthony

Yes, I too think that if people are made aware of this site, more people will visit this forum with their valuable experiences which will be of great help for others in the forum. Knowledge is what actually helps people to remain always in a safer side. In fact I think that referring this site to friends and colleagues will help a lot in this case.

Mon, 05/19/2008 - 05:58 Permalink

CMBV22

Huh, I never thought of that...clever. NOt that I could wait 4 months to look at my report! LOL Besides, all 3 reports are not the same.

Mon, 05/19/2008 - 06:21 Permalink

fireyone

Great in put there anthony. Cmb Believe me I could wait that long. I have one that is not gonna fall off for a couple years. That is my worse demon. Even though it is past SOL the junk collectors who keep passing it around drive me crazy. Most of them don't even want to make a reasonable deal so I don't pick up the phone or check my report more than three times a year anyway.

Mon, 05/19/2008 - 11:36 Permalink

Justin

Actually what I meant to say is that interaction increases knowledge and helps us to deal with out debts better. More is the interaction, the more is the information that comes up. It is not the question of solving only the present debt but also to be aware of the future situations.

Tue, 05/20/2008 - 08:58 Permalink

goodnatured

I agree Justin, the more we know the more that we can make better decisions and protect ourselves. These forums are very help with dispersing the information and having discussions that will promote education with credit. I have learned so much here and in turn have put my personal experiences out there for others to work with also.

these forums do a great job of educating people.

Mon, 05/26/2008 - 13:58 Permalink

anthony

I agree with Justin that interaction increases our knowledge. Knowledge on credit is essential to understand not only our present credit situation but also help us to deal with the CAs and CRAs better.

Tue, 05/27/2008 - 06:00 Permalink

Anonymous (not verified)

One credit report is free in a financial year. Is this one credit report free from each of the CRAs.

Tue, 05/27/2008 - 06:08 Permalink

harvey (not verified)

credit solutions

I purchased several copies of a self help credit manual that really assists in rebuilding credit if anyone is interested. I can be reached at gmail under harvwashington and can give more info.

Wed, 05/28/2008 - 12:45 Permalink

scott

Yes, one credit report is free in a financial year from each of the three credit reporting agencies as per the Fair Credit Reporting Act. You can order the free report either by visiting their website or by calling their toll free number. All you need to provide is your name, address, social security number and date of birth.

Thu, 05/29/2008 - 05:53 Permalink

carol

I think it is wise to ask for the free report from each of these CRAs as each of these CRAs get information from different sources and so the information in the CR of one CRA may not be exactly the same as that of the other. This does not necessarily mean that the info provided by any of these agencies are incorrect, but they may be different.

Thu, 05/29/2008 - 06:44 Permalink

August

What is the price usually for purchasing your report? I need to do this to find out my score, I can not find a site that will give me my score for free, I found a free report but no score with it. Does anyone know where I can find one that provides the score for free or a descently priced one?

Tue, 06/03/2008 - 01:45 Permalink

fireyone

Fro the sites I have seen they always want a credit card before giving you your score. I won't do it in case they bill some incredible fees.

Wed, 06/04/2008 - 00:16 Permalink

CMBV22

August,

I dont think that you get a free annual score, Just the report. FIreyone, as long as you call the number the credit monitoring company provides and cancels you shouldn't have a problem. Just get the reps name and a conf number

Wed, 06/04/2008 - 05:19 Permalink

scott

Hi Fireyone

I think they ask for the credit cards for verification purpose, as by using the card number they can get your details more easily. I don't think they will charge for the free report from your card account.

Wed, 06/04/2008 - 12:58 Permalink

fireyone

What happens if you don't have a credit card. I have a couple store ones and my bank visa but will any of those work? I am soo wary of using my checking account one. Theres not much in there but its a least something.

Wed, 06/04/2008 - 23:17 Permalink

CMBV22

A bank visa will work fine. If you are afraid of them removing unauthorized funds why dont you but a refillable visa? Throw 40 bucks on it to buy the 3CBS reports and the FICO score etc and not worry if they try to pull more unauthorized cash. Just makesure you call and cancel any services they might have slipped into the terms of service agreement

Thu, 06/05/2008 - 00:47 Permalink

CMBV22

I didnt learn anything about credit repair from any of those sites. :roll:

Sun, 06/08/2008 - 05:35 Permalink

goodnatured

I have found more information by simply googling credit repair, some people have some really good personal web pages and blogs out there on personal credit repair, they have worked through the whole process and will post their experience on the web page or blog. And then there are always forums like this one.

Mon, 06/09/2008 - 03:08 Permalink

carol

Yeah I too have learnt about credit repair from this forum and its members. This forum is a great place to share a good deal of information and to remain informed. Moreover, I have also upgraded my knowledge on credit repair a great deal by going through the pages through google search.

Mon, 06/09/2008 - 08:39 Permalink

fireyone

I really like the idea of the refillable visa. I am always wary in this day and time using my bank card on the net. I know it is suppose to be secure but the way these hackers come up with new stuff everyday really freaks me out. I have to agree with Carol and goodnatured. I too was soo lost when I came here. I never knew half the rules to the game or all my rights. It was nice to be put on track. One of the best things was the SOLS. This is not because I don't want to pay those bills. It is just that I probaly would have just started to pay off the lowest balance accounts, which were the ones that the SOL had expired. Now after learning what I have I see that is is better to pay the ones that are a bigger danger of suing you. This site gives people the information to find a starting point in credit repair.

Tue, 06/10/2008 - 10:23 Permalink

CMBV22

I agree also, my comment was directed twords the now deleted post full of porn links.

Tue, 06/10/2008 - 18:32 Permalink

goodnatured

I agree, I have learned and shared alot on all these forums.

Mon, 06/16/2008 - 03:27 Permalink

scott

I too find a large number of spam links posted in this forum now a days. I don't know who does this. However, the creditmagic admin is alert enough to delete these links as soon as they appear in the forum. It is truly a good learning site for all of us who face credit related problem every now and then.

Mon, 06/16/2008 - 06:41 Permalink

goodnatured

I usually just blow over the porn or what ever is not appropriate on the site, they do eventually delete it like you said.

Fireyone,
if you google credit report or go to one of the three major credit reporting agency webpages, you can purchase your score there.

Tue, 06/17/2008 - 10:48 Permalink

erb1953

I don't like running into it on this site or the others too.

Thu, 07/17/2008 - 03:16 Permalink

fireyone

I never ran into anything like that but definately think it is pretty absurd to show up here. I will purchase my report but I haven't the funds at the moment. Work kind of screwed me over due to my arm injury. I swear one step forward and twenty back.

Thu, 07/17/2008 - 15:16 Permalink

andrew000

Thank you for giving this useful information. I got the more knowledge from this forum.

Sat, 07/26/2008 - 12:56 Permalink

fireyone

you are welcome. Stick around there is always more to learn.

Sun, 07/27/2008 - 01:10 Permalink

goodnatured

You are very welcome, I too hope you stick around and participate with us, you will learn so much and then start giving advice, I am amazed by how much that I learned so far here.

Mon, 07/28/2008 - 03:03 Permalink

fireyone

Don't be afraid to ask questions. That is how I have learned the most. When I came here I didn't even know what CR meant. Feel a little foolish lookikng back but hey I learned.

Mon, 07/28/2008 - 14:27 Permalink

Cash Out at $10

Seth — Sat, 16 Feb 2008 07:23:15 +0000

Cash Out at $10

Forums

Announcements Feedback and Pub

Seth Sat, 02/16/2008 - 07:23

Hello Everyone,

As it had been announced before that the posts at Announcements, Feedback and Pub will not earn any magic points, we are happy to announce that from now onwards cash out will be done at $10 level.

Enjoy sharing your knowledge and experiences with us. We are more than glad to have you here. All the best.

erb1953

If we could get our points set back to zero when we cash out would be nice too seth. Can you do this?

Mon, 02/18/2008 - 16:27 Permalink

sdchargers_63

money

Forgot to ask...." $10.00 cash out"..this is for the ENTIRE Credit Magic Forum? WOW!!

Tue, 02/19/2008 - 17:52 Permalink

Laura

Yes it is for the entire forum. However the pub is not paying anymore. How are you doing Wendy. You are not so frequent these days. Keeping busy?

Wed, 02/20/2008 - 05:17 Permalink

sdchargers_63

cash out

Thanks, Laura..I appriciate the reply. I'm doing pretty good. Been busy?.............yep! Alot to do, recently. And you?.....how ya doing? I know I'm not "frequent these days." Recently trying to take care of alot of personal things. Been on here in 'spurts', however. LOL On here ALOT..for a few days. NOT on for a few days, etc. CRAZY!! LOL Plan on being on here alot more now. Just about got all of the personal things taken care of.

Thu, 02/21/2008 - 18:42 Permalink

Credit Solution

GOOD

hOW I CAN CASH OUT MY POINTS?

Sun, 10/19/2008 - 21:44 Permalink

carol

You can cash out your magic points only after you have reached 1000 magic points. After you get 1000 points you need to send you paypal details to admin(at)creditmagic.org. If you do not have any paypal account, you can send your address details and you will receive a check for that amount.

Mon, 10/20/2008 - 06:25 Permalink

No Magicpoints For Pub Posts

Seth — Tue, 05 Feb 2008 03:34:15 +0000

No Magicpoints For Pub Posts

Forums

Announcements Feedback and Pub

Seth Tue, 02/05/2008 - 03:34

Now onwards the posts at Announcements, Feedback and Pub will not earn any magic points.

This has been implemented in accordance with the decision taken by Ourcommunitypower.

August

Will the other posts in the other forums pay out more then?

Tue, 02/05/2008 - 22:11 Permalink

Morningstar

I don't think so. The pub exists for casual conversation, it was never intended for members to rack up points. We are fortunate that the pub generated points for as long as it did.

Tue, 02/05/2008 - 23:17 Permalink

Laura

Yes it did rack up enough points for us. Casual conversation cannot pay like this. I hope that more people participate in the sections intended to help people with their problems.

Wed, 02/06/2008 - 04:56 Permalink

scott

This a good decision. Pub is for general topic. I always wondered how they could pay for that.

Wed, 02/06/2008 - 05:03 Permalink

Payment to Magic Points

Seth — Fri, 17 Aug 2007 11:30:07 +0000

Payment to Magic Points

Forums

Announcements Feedback and Pub

Seth Fri, 08/17/2007 - 11:30

Hope you have a great week end Morningstar. This is the detail of the payment.

We are really thankful for your priceless contribution. You are an asset and we are really very happy to have you as a part of our community. Congrats!!

carol

Wow...enjoy!!

Mon, 08/20/2007 - 06:53 Permalink

Seth

Payment To Wendy

Hi Wendy,

This is the detail of your payment.

We are very thankful for your contribution towards our forum. Congratulations!! :)

Wed, 08/29/2007 - 09:12 Permalink

sdchargers_63

points

My efforts to help myself ( credit wise) is helping me, financially, as well!! Thank you, all!!

Wed, 08/29/2007 - 12:19 Permalink

sdchargers_63

points

I'm really excited about all of this!! I told a few friends of mine, about this forum. I think the advice, earning in forums, etc. is great!!

Thu, 08/30/2007 - 11:27 Permalink

goodnatured

Congradulations, you have always been so helpful on the debt forum, I bet you will be a great asset here also, thanks for all your great advice.

Sun, 11/04/2007 - 00:21 Permalink

goodnatured

it is always good to see active members that contribute so much be rewarded. Hopefully we will see you there soon debtstinker.

Sun, 11/04/2007 - 01:36 Permalink

sdchargers_63

forums

SOO many have helped me to....'help myself', in different sitsuations I am in. How to deal with debt 'one at a time'...and alittle more 'aggressive' than before.

Sun, 11/04/2007 - 03:38 Permalink

goodnatured

You do a great job, I really appreciate your input on all the forums that I have had experience with you on. People helping people is what it is all about and you have had some awesome useful information to put out there for people like me to use. I am waiting on you to pm me some information on another post when you get to it. thanks

Sun, 11/04/2007 - 13:34 Permalink

goodnatured

sdchargers,
How did you request your money, by email or pm?

Mon, 11/12/2007 - 21:34 Permalink

sdchargers_63

points

I PM'ed Seth, to let him know I wanted to 'cash in'. I sent you ( Goodnatured) a PM how to request it. Sorry I din't get back to you sooner, about this.

Wed, 11/14/2007 - 05:19 Permalink

SunDevilsFan

So, one magic point equals 1 cent?

Wed, 11/14/2007 - 05:43 Permalink

Seth

Payment made to Good Natured

HI Goodnatured

Congratulations. Please find the details of your payment

We are proud of your contribution towards this forum. Keep going.

Wed, 11/14/2007 - 06:53 Permalink

Seth

Hi Debtstinker

Congratulations. This is the detail of your payment.
We really value your contribution towards the forum.

Thu, 11/15/2007 - 06:04 Permalink

SunDevilsFan

Hey Seth....you think I could have a couple hundred in advance!!! LOL....j/k

Thu, 11/15/2007 - 06:05 Permalink

Laura

Hi Sun,

Are you in a hurry ;). It wont take you long to reach 5000 magic points. Seems you are nearing 4000 already. Keep up the great work.

CONGRATULATIONS DEBTSTINKER & GOOD...you guys have done a wonderful job on the forum and you are lucky enough to have cashed out soooo early.

CONGRATS once again :)

Thu, 11/15/2007 - 07:33 Permalink

SunDevilsFan

LOL..... I know. The points really do add up!!

Thu, 11/15/2007 - 07:37 Permalink

Laura

I am sure you we will see your name next here :) what say?

Thu, 11/15/2007 - 08:12 Permalink

goodnatured

thanks Laura, it is great to be here.

Thu, 11/15/2007 - 11:40 Permalink

debtstinker

wheeeeeeeeeeeeeeee got paid thanks guys, thank you Seth, you act very quickly. am proud to be a member and look forward to interacting more. right now am at my sister's it's our birthday's today andshe hasn't cleaned her apartment since cleaned had her! i can't believe it oh well, thought it was a nice bday present. this certainly was for me. 'see' all of you soon :)

Thu, 11/15/2007 - 17:11 Permalink

goodnatured

That is just wild that you two were born on the same day, Happy Birthday!

Congrats on your earnings!

Thu, 11/15/2007 - 23:14 Permalink

Dadummy

Nice payouts for you, good job. I am hoping to be able to earn a few cents on here also. I know the other forums that I belong to pay pretty descent for your posts, looks like this one does too. It encourages good participation and keeps the conversations rolling.

Thu, 11/15/2007 - 23:43 Permalink

Polly

Happy Birthday debt. Congratulations and have a great time :)

Fri, 11/16/2007 - 03:48 Permalink

Laura

HAP HAP HAPPY BIRTHDAY DEBTSTINKER.

This is for you...:)

Fri, 11/16/2007 - 03:53 Permalink

Dadummy

Aren't you sweet Laura, how did you do that? That cake looks good, can I have a piece?

Sat, 11/17/2007 - 13:05 Permalink

goodnatured

How cool Laura, it does look good, dadummy, you can have a piece after we sing and blow out the candles, ready everyone, happy birthday to you, happy birthday to you, happy birthday dear debtstinker, ............. and many many more!

Sat, 11/17/2007 - 15:39 Permalink

Dadummy

Ok, the singing is done, can I have a piece now?

Sun, 11/18/2007 - 02:05 Permalink

debtstinker

Hey Da, I haven't even seen this yet!! Laura how incredibly sweet you are, thanks so much for thinking of me and my favorite food literally is cake! i love it :) ok, now dadummy you can have a piece now!! gotta share though. ii have to say guys, the singing was pretty cool too...all on key and everything ;)

Sun, 11/18/2007 - 03:24 Permalink

goodnatured

No problem debtstinker, you just get ready for a party, mine is next week, on wednesday, we are gonna rock the house, LOL, just kidding. I would be down for a week if I tried to rock the house, back can't take the abuse anymore, LOL. Happy birthday anyway and tell your sister the same.

Sun, 11/18/2007 - 11:51 Permalink

debtstinker

thanks so much! I didn't know your bday was next week...maybe we should rock the forum! it's a shame we can't play music on here, we'd play Stevie Ray Vaughan's 'house is a rockin' great song! we had a good birthday...maybe Laura will 'make' you a cake next week and then dadummy can have a couple of pieces :) :) :)

Sun, 11/18/2007 - 16:38 Permalink

Dadummy

Hey now, I love my cake, so you girls just keep getting older and Laura just keep on baking, I will be here to eat. Any chance we get some ice cream with that cake next time?

Sun, 11/18/2007 - 20:48 Permalink

Laura

Hey hey.....whose birthday was that? Hey good HAPPY BIRTHDAY in advance ;). So what would you like.... a chocolate or a black forest or rum n raisin, coffee, vanilla....any just say and im going to make it....

Dadummy it doesnt need to be a birthday to have a cake. I am going to bake one for you anyway :lol:

Mon, 11/19/2007 - 08:01 Permalink

Laura

Hey dadummy check your pm.I sent something special there for you.

Mon, 11/19/2007 - 08:13 Permalink

sdchargers_63

bday

Happy Birthday!!!!! Can I have some cake??!! It looks wonderful!! Hope you have a great day!!

Mon, 11/19/2007 - 11:04 Permalink

goodnatured

Hey sdchargers, you can have a piece, have at it girl, LOL.

Mon, 11/19/2007 - 17:43 Permalink

debtstinker

wow!!! lots of birthdays here :) i'll bring the ice cream...good what kind of cake would you like lady?

Tue, 11/20/2007 - 01:45 Permalink

Dadummy

Chocolate, vanilla, no marble please. Just grab a gallon of Napolean ice cream.

Tue, 11/20/2007 - 02:25 Permalink

Laura

Hmm so Here goes Napolean ice cream

Tue, 11/20/2007 - 10:40 Permalink

goodnatured

I like napolean too, it has all three flavors so you can jump around. I choose chocolate for cake though, got to go with the chocolate, Ladies best friend.

Tue, 11/20/2007 - 22:36 Permalink

debtstinker

alrighty then...your order is processing ;) chocolate is wonderful! I would love a chocolate covered chocolate cake mmm...like have one of those chocolate fountains and take chocolate cupcakes and dip them then put sprinkles on top :) but it's your bday you get whatever you like

Wed, 11/21/2007 - 00:19 Permalink

anthony

Hi Good Happy Birthday :) its today is it not?

Wed, 11/21/2007 - 09:22 Permalink

Laura

Happy Birthday :)

Wed, 11/21/2007 - 09:24 Permalink

debtstinker

Happy birthday to you (sung in the key of C) happy birthday to you (feel free to harmonize) happy birthday dearrrrr Good! Happy birthday to you! we hope you have more, we hope you have more, we hope you have more, we hope you have more, and maaannnny more! :) :)

Wed, 11/21/2007 - 14:58 Permalink

Laura

Let her come back to react debt. :) She is enjoying her birthday.

Thu, 11/22/2007 - 07:12 Permalink

Dadummy

Happy Birthday good, hope it was a good one!

Thu, 11/22/2007 - 11:26 Permalink

goodnatured

It was number 42, woe is me, getting up there. Can't believe the baby is four already, cant believe I have been remarried for ten years, life is flying right by........................

Sat, 11/24/2007 - 00:17 Permalink

Laura

Life does not really fly, it is time that flies by. Never mind Good, may you hit 42 but its the heart that remains young like 16. Just be proud of the matured human being that you are being still at 16 right there in your heart. :)

Sat, 11/24/2007 - 04:25 Permalink

debtstinker

Ya seem awful young to me, the humor you put in your forums and the way you share stories about your daughter! Laura is right you are young at heart and you have your little one there to keep you young and on your toes :)

Sat, 11/24/2007 - 15:57 Permalink

Dadummy

Now 42 is young, young lady, at least to me. These ladies are right about being young at heart. You have a four year old, she will have you out doing what four year olds do, so you can take the 2 off 42, You sound alot younger than what I remember 42 being.

Sat, 11/24/2007 - 18:09 Permalink

Laura

Great reply Da,

Removing the 4 from the 42
Is the best thing to do.

Live young at heart
Dont let youth apart

Find childhood in your younger one
Feel young ever day with the rise of the Sun

I seem to have turned a poetess. I have been writing cards so jingles are just coming to my mind so easily. :)

Tue, 11/27/2007 - 05:53 Permalink

debtstinker

If you come up with a jingle or poem that sticks, you can sell those to greeting card companies, no joke. just be sure to protect your property somehow. my mom did that once, she loved this poem years a go that she wrote and someone stole it and she found it in a card. :(

Tue, 11/27/2007 - 20:41 Permalink