Absolutely you can! There are a variety of reasons why you may want to get a credit card without a credit check. These could be things like bad credit, no credit, no job, keeping the account hidden, or just not wanting to deal with the hassle of going through a credit check card. Whatever your reason is, there are definitely options available to you!

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Todays Questions from John in Detroit, MI

How can I repair my credit?

Because of the recession and poor economy I have some lates on a credit cared as well as multiple lates on a mortgage. Am I never going to be able to get credit again? Is there any possibility for me to repair this and fix the mistakes I made?

Answer:

John, everyone experiences tough times and makes mistakes. The first, and most important thing you can do is start paying your bills on time immediately. Make arrangements and plans to get caught up, and don’t be late again. Your credit history affected most by your most recent activity, getting late accounts caught up will immediately help your score. That being said, there are other things you can do as well. While lates or negative accounts may be accurate, there may be inaccuracies in the way they are being reported to the credit bureaus, experian, equifax, and transunion, and it is completely legal to dispute these entries! I would recommend following the directions in our free credit dispute guide, as well as using our free sample credit dispute letter templates to help to possibly get these negative items removed

Good luck!

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

I have been the victim of identity fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes.

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I’m sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

In addition to the questionnaire below, please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account
Any judgments been obtained by any creditor regarding this account

Best regards,

Your Signature
Your Name

Debt Validation Form
Questionnaire to be returned to me for Account #<insert account number here>

Original Creditor’s Name: ____________________________

Name of Debtor: ______________________________________

Address of Debtor: ___________________________________

Balance of Account: __________________________________

Date you acquired this debt: _________________________

This Debt was: assigned __________ purchased__________

Please indicated any credit bureaus to which you have reported negative marks:

Experian ______

Equifax ______

TransUnion ______

Very Respectfully,

Your Name

Question:

I’m wondering if this has happened to anyone and how you resolved it. The bank that my husband has his auto loan through mistakenly flagged him in Chex Systems. This resulted in our joint checking AND savings account through another bank to be frozen and flagged for closing. We have documentation from the auto loan people that this was indeed a mistake and that letter was faxed to my bank. They still will not reinstate our accounts unless we have a letter from Chex Systems that backs this up. The crappy thing is that it is virtually impossible to get a live person at Chex Systems and meanwhile we have no access to our money. This is going on week two of this nightmare with no end in sight. I faxed letters to my bank, the bank that my husband’s auto loan is through and Chex Systems requesting that this be resolved. Is there anything else I can do? Is there any legal recourse we can seek since this was done in error?

Answer:

ChexSystems now offers a customer service number, (800) 513-7125, for consumers to reach a human there. If the wait time on hold at that number is too long, and you REALLY want to speak to a human, sometimes you can ask for a supervisor at either of these 8numbers and perhaps someone may be able to talk with you. You can try calling (972) 247-5100, and press “0,” or alternatively, try (972) 280-8580, then press the # key, and enter random 3 digit extensions until you find someone on the inside at ChexSystems who will take your call. Either you will find someone this way, or after the third attempt, your call will get forwarded to a human.

I viewed my credit report online and there is a negative item listed. My question is ..Can I dispute an negative item that is marked paid, closed on my credit report? Did I make the mistake of not disputing it first before paying the collection agency? Is there a small chance by any reason that I could get the item removed from my credit report by disputing it at this point?

Answer:

Absolutely! You are legally entitled to dispute ANYTHING on your credit report at any time! Even if the collection does exist, there are often many errors in the way they are reported! You can dispute these, which may result in a complete removal of the item from your report!

If you would like to try disputing this item, the best advice we have is to review our free credit repair guide as well as our credit dispute letter templates and credit dispute letter expamples for experian equifax and transunion!