Dear all, I am new to the forum and need some valuable advise from you all. I was a international student spending my university study in the US from 2002-2007, during that time i have establish some bad credit history like total actually less than $2000, but then it is all over my credit report. I get back to my Home Country in Hong Kong 2008 and live til now, but i still haven't been able to get any kind of credit approved, i have tried the secured citi card but fail. Since i am now in Hong Kong and it is so so difficult for me to do anything, like sending letters, inquiries...and i am so so helpless right now @____@'' I wish someone will read this post and give me some answer... my life has been good and i have a good saving habits that i would like to buy a home with a loan in the future to fulfill my dream. I wish someone can help me! any input are welcome!! regards Lam
This is a sum up of all the listing on my report: I)hsbc- report: 2006 credit card/ charge off ($0) - TransU/Exp [TransUnion] Payment after charge off/collection Account information disputed by consumer, meets FCRA requirements [Experian] Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. II)Chase- Closed(Paid $0) -TransU Closed (Transfered) -Exp. III)Midland- $1460 opened 03/2008. report 03/2011 NONE- TransU/ EXP [Equifax] Consumer disputes this account information Collection account IV) TK FInanace original creditor, wellsfargo balance $1763 V)MIDLAND CREDIT MGMT $1460- TransU/Exp original cred: HSBC VI) Public INfo judgement: Erin Capital management $1732- all three
Do you have plans to come back to the US anytime soon? If not, then why are you so worried about your credit scores here?
I still have difficulty in opening up credit card from mostly big bank here in Hong Kong. They run my credit report before issue me any credit card. That's why it is a problem, are you an adviser on that? do you provide credit repair services?
We don't provide credit repair services, although the Creditnet community does provide as much free advice as we possibly can! I've spent time living in China and I wasn't aware that US credit reports were used at all, even in HK. Stay away from the big international lenders/banks, and you probably won't have the same problems.
