Hello All,
There is alot of information floating around the internet about how to handle the credit repair project yourself. I would like to review the basic areas to try to put a flowchart together that would help myself focus on the overlooked strategies of credit repair.
1. pull a copy of your credit report and review the tradelines to identify damaging issues to your credit score.
2. Compile a send in DV (debt validation) letters to those tradeline furnishers who are identified as collection agencies. Send the letter certified mail with electronic signature confirmation or RRR (return receipt requested).
3. wait 30 days for a reply.
4. Re-send a followup DV letter to the CA with CMRRR (CMESC); include a copy of the original letter with the CMRRR.
5. File a dispute with the CRA and include a copy of the original letter with CMRRR requesting to remove the tradeline because the CA did not validate the tradeline.
6. If the CRA verifies the tradeline then file a request for MOV.
7. Send a 623 letter to the OC and see if you receive a reply.
How is this so far. What am I missing and where do I go from here?
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I purchased the DIY credit repair e-book because I was getting the run around from other companies but all to no avail, I am a working mother of three and my starting FICO score was 540 until i was introduced to creditsmartspy whom after 5 days it went up to 715 then after 4 weeks he got it to 720-740. Thanks to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 for his help and for paying attention to me.
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I purchased the DIY credit repair e-book because I was getting the run around from other companies but all to no avail, I am a working mother of three and my starting FICO score was 540 until i was introduced to creditsmartspy whom after 5 days it went up to 715 then after 4 weeks he got it to 720-740. Thanks to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 for his help and for paying attention to me.
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A 26 year old Russian migrant behind a new dating safety app says many new migrants turn to online dating to broaden their social network but says there aren't many provisions in place to protect them.
Elena Zuban came up with the idea for Charm Safe a web based SMS system designed to send alerts if users get into danger after she realised there weren't many systems in place to protect women using online dating site tools.
"When we go dating online, We know very little about the person we're about to meet in person and it's a bit of a risk that people are willing to take everyday,
"I really was a pretty shy person to be honest, She suggested. "And I found myself in a really awkward position that I actually had to start finding friends and partners, And it was a big huge strive for me,
One man she met online ended up entering her apartment after they met up on a couple of occasions and he followed her home.
the experience made her realise how vulnerable she was.
"I was coping with apartment by myself and I still didn't have really solid social networks so I figured if something happened to me, No one could ever know, She acknowledged.
Ms Zuban said it was a common experience for new migrants trying to make friends and for Australians using apps and websites now after they leave home.
"A lot of kids finish school in one state and then move to another state to go to university and they face the same issues, She spoken.
If users at any point feel in danger they can operate an alert which is sent to a nominated friend's phone.
If users fail to ascertain in, An alert is sent after a certain expanse of time lapses.
Charm Safe is a web based application but Ms Zuban said a mobile application will launch next month.
A NSW Police spokesman told SBS there were a range of precautions that police advised people to take when trying online dating service personals, Including avoiding sending personal information and photographs and ensuring meetings took place in public.
He said that dating applications could be tricky to monitor and posed a risk to teenagers.
"Peer to peer apps are challenging for latina women dating police force. They evade the scrutiny of more public platforms like facebook, he explained.
"That makes it attractive to younger people plus the notion that Facebook has been embraced by older generations, So the young hang out in other regions,
Ms Zuban said that while Charms Safe added yet layer of security, It shouldn't be described as a one stop shop.
"hardly are we trying to replace Triple Zero, She recounted. "The ideal situation is that it happens to be aiding someone to contact Triple Zero,
NSW Police safety tips when using international dating apps and websites:Do not send a picture of yourself to someone you don't know and never place a full profile and picture anywhere within the web; Never give out personal information including your name, Home where they live, cell phone number, Private email address contact info, Details of where you work or recreational use; Do not activate your webcam to anyone you do not know personally; Use courting, Chat room or other meeting sites that have established vetting protocols to verify its members; Never arrange a face to face meeting with someone you have only chatted with using the web. bigger more involved decide to meet a person, Always take a friend and guarantee the meeting is in a public place; Consider disabling the GPS function on application settings as this lets people know what your location is located; Never give out your accounts or financial details; coupled with, If you feel miserable, Unsafe or in danger then cease the meeting, Contact police or in an emergency situation call Triple Zero (000).
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