Experian, TransUnion
Credit score fell from 496 to zero; online dispute impossible

I am a 43 year old male who has in the past, paid off 2 cars and a 40000 dollar mortgage I co signed for my parents. My life time credit card debt is less than 5000 dollars. Less than 4000 if it were not for ridiculous interest demands. It's been over 8 years since I held a credit card. Out of those 8 years I found one comp that would hire me.

Life has been hard, I don't mind, I am still here and deserve to be proud because I never stole from another to make it. For several reasons, I thought I was to recieve money due to me. With that in mind I went to BofA and applied for home loan. The same home and the same bank I paid off 14 years earlier. I had a score of 496, a year and a half ago that was 4 shy of decent credit. I knew BofA would deny me, they are the bulk of my 8 years debt.

A few days later I received a letter from BofA telling me my score was now 0. Who do these agencies work for, who ever pays there bills. So I went to broker and got a 10.50%. Just over a year ago I went from riding a bus to having a decent but cheap ride, 3 actually. Using my banks debt/check card, I spent a lot of money on my home. I don't understand how I had a 0 score back then, but to find out I don't even merit a 1 is criminal.

I went online to dispute but I was computer illiterate, my fault, every click led me away from obtaining dispute. I am no longer illiterate but I am no closer to submitting my dispute. There is more to my story. Hell my story starts the day I was born, and when ever I think a chapter from childhood is closed I have to re-edit entire story. A Lawyers referral would be appreciated. My home closes soon, I hope, and I could pay up front a little. Hell, I need several issues that require attorney expertise. While I am asking for help, well writing, a literary agent would be a miracle. There is money to be had, if I had good help.

Company: Experian, TransUnion
Country: USA
Site: experian.com

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