re-establishing credit
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Posted by beatIRS
(205.188.209.12) on November 22, 2002 at 19:58:26:
The IRS finally agreed to settle a 10 year old $250,000 dispute for $5000. How I got myself into that position in the first place had to do with my ex-business partner and would take more space and time than anyone reading this would care to know. Suffice it to say, the bloody bastards were wrong! I only agreed to pay the $5000 in the end so I could finally place closure on it and move on with my life. In fighting them, they froze my accounts and placed liens on everything. For those 10 years, I continued to fight, but lived in the financial underground, paying for everything in cash. Now that it's over, I want to re-establish myself but don't have the foggiest notion where to start. I tried to buy a car and finance it but got turned down. I applied for a credit card and also got turned down. I assumed that the lien releases I had in hand would not only post on my credit report but would also restore my credit rating to its pristine past. Ha ha ha! I don't have bad credit per se, as much as I have absoultely no credit at all. I pulled my credit reports and sure enough the liens were still there. I sent hard copies of the releases to Equifax, Experian and Trans Union, but have only rec'd a confirmed correction from Experian so far. Questions: #1. It seems impossible to get through to Equifax and Trans Union by phone. Their online dispute websites are a joke. So besides pulling my credit report daily, how will I know if the other two jamokes have updated the record? #2. And assuming that all three records do get updated and that my credit report is nothing but a blank screen for 10 years, how on earth do I get my credit back??
WON THE BATTLE... LOST THE WAR?
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