Credit Reporting Nightmare Explained

pleaThis is how I was destroyed by wrong credit reporting Please bare with me it took me * yrs,to find out why My life iss totally ruined. When Jim Died I didn't know what I was suppose to do,’ I had a lotpfmoney in the IRA. Jim had about * credit cards, the one we used the most was GM card with a $*,* limit. The one with the lowest amt Was Chase $*,*, I was an authorized user on all the cards. I called the credit card companies , told them about Jim dying within * weeks from retiring,from Brain Cancer. As I was dealing with Cancer stage * Lung Cancer,no we didn’t smoke Each of the * credit card co,offered no information,they said.’”Stop\ using the card you have,we will Be sending out your own card” that was it. ,,,,I did not know anything about the debit to ratio,or about them adding the balance from the main card , while lowering my limit would cause my credit score to go down.. I did read recently that the Credit card co should tell what will happen,or notify you by mail before it ruins your credit score.I received nothing. Chase was the only credit card co that send ,me a new card with The same account number,so they could add the the balance to My card..my credit score goes down Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. Credit report, Equifax and Experience, ( could never get transunion, I have tried,,I am tired of their excuses) They said i could dispute things on line,,we went over everything, things they said they “will take care of disputes..” they also said That they had nothing to do with dedit to ration,when I called Back to see why my credit score was low. Equiplax told Me to hire Lexington Law. I hired Lexington Law at *.* for 6 months I was told I'd have my own paralegal if I had a problem after 6 months of nothing happening I called them a gentleman with an India accent Answered the phone I asked if he was my paralegal and he said that's the title they gave me today I hung up and I canceled them I had hired Phoenix law at * a month after 4 months they didn't do anything cancel them then I hired in charge debt consolidations They did a bait and switch and did a really long without my permission I had stressed I didn't want to lose my 8 years of perfect payment they refuse to fix their error closing out all my credit cards leaving me in a Dire Straits the last company I hired was LPG and they file for bankruptcy after 6 months with them do you see what a nightmare that says become and I'm not telling you everything yet so I'm dealing with my cancer my husband sudden death moving to Florida selling our house in Massachusetts and then my credit score goes down and yet I have gotten no help no information Chase From * to * limit was $*,* the smallest out of all the credit cards * t0 * limit was $*,*. * to * limit was $*. That's 29 years no missed payments. see attachment IN * They sent the card,the limit $ *,* , (chase send a email t the CFPB and after them draging this on for * yrs there email was nothing but li es, they said i never had a $* credit limit,,i have the credit report they cant pull the telephone record that shows i was yelled at over the phone, and my checking account was closedbecause they said I said my was scammer,,i never said that i called the bank to find out who a charge of $*.* i was without a check for 2 months the most in *, I paid Discover In * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. Chase at this time I have been with them for 19 years, that was in * at thattime perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment CHASE ESPONCSE TOCFPB EMAIL Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I was never notified that they were going to this.. —------------------------------------ Credit reporting This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. My credit score went down the minute my husband died,,. For 43 years We had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. I went and looked at the Equiflex report and was shocked that my credit score was *. I called to ask what happen ,they told me I was over the *% , What is *% didn’t Know anything about this . By the credit card companies adding the joint bal and The lowing on limit was the reason I was way over. Repercussion of the debt to ratio. After 10 years trying to find out why my credit score went down so bad and why I was left with high cost of everything because of the credit score @Had to sell my house because I couldn't get a loan to replace the air conditioner @ Had to get a reverse mortgage to help me survive paying my bills @Pay more for house insurance because of the credit score @No one would tell me why my score went down. Hired for debt repair companies @ Equifax told me to hire Lexington Law at $*.* have to 6 months nothing. @ Phoenix law at $ * a month for 4 months they did nothing. @ In Charge Debt Consolidation they did a bait and switch and did a relief loan all cards were closed out; they would not fix it, lost history perfect payment again for * yrs .credit score really goes down. @LPG For 3 months and I got a email telling me that they have filed the bankruptcy. @GEICO Auto Insurance because they go by your age and your credit score Then they went on to say that anybody with a low credit score is deemed untrustworthy because they would put in for more accidents and not pay their premium I've never had it had an accident or received a ticket and my payments were never late but still I was charged for those 8 years about $*,* More than I should have paid Credit Reporting Agenc @ Equifax said they would fix the errors did not after repeatedly put in disputes they were always coming back verified I couldn't do it anymore. I can continue to pay off the high credit card balances. I was going through my life savings we had added a lot of money to the cards because of the new home and moving and hospitals bills Equifax even out loud a bank called Symphony Bank to go into my closed accounts that would paid in full. no issues nothing this bank went in opened up seven of my close accounts and then close them saying it was close by creditor score goes down, then I get a letter from each of these companies telling me that my account is closed and it cannot be opened up. how can they do that. Equifax said that I was late on payments to to PayPal when it was closed and paid off I am in the Equifax data breach when I put in my claim stating that I believe Equifax sold my identity and the other main cause of my problems I put in a claim for all the money that I had paid all these tech companies that was in * it has now been settled in September * I called they don't know when they're going to send you any money plus my credit report has been pulled from the site because once you file a claim against Equifax they pull your credit report and send it to the some of the section so I have not gotten a complete credit report since August of * I called and asked him to mail me one I have not received it yet this is not right. experience called went over everything with a girl named Jennifer she promised she would take care of the errors *% promised what she did she put a fraud. I tried to get it removed and kept on getting in yes we're going to remove it we'll wait we're not going to move it it just fell off after 6 months now you realize in 10 years I have not been able to get a loan. in * Chase closed out my credit cards after 29 years without any notice and without any warning they told me they could do whatever they want when they want ‘six months after closing out my credit cards Chase had a charge on my bank statement for $* he didn't know what it was I called the girl asked me do you know what this is I said no that's what I'm calling you she goes is it fragile I said I don't know who it is she trust me to a man who's screaming at me telling me that I could have endangered the bank but it makes no difference now because my account is closed my reply was I'm getting my social security check in 2 days I need that money he said you should have thought of that before you did what you did what did I did do he wouldn't tell me you told me to go to the bank and see if they will open up an account for me I hung up from him I went to the bank the next day and was treated with the most disrespect unprofessional embarrassing customer service. they said only the manager can open up an account and he was busy I said I would wait they sent me to some man I don't know who he was he took my card and said yeah it's closed and turned his back on me didn't say another word except when I asked what about my check he said was sending it back again I said I need that money and they said well you should have closed your account I said I didn't your employee did I actually left that bank in tears *-year-old woman running out in tears is not a site to behold. call customer service they said they would call me back they never did was going to do arbitration got a call from their lawyer more or less telling me don't waste your time I canceled it did I wrote the CEO told him what happened his associate called and said we could close an account anytime we want without telling you the reason great now what I was I supposed to do two months without pay meant that I couldn't get my meds I couldn't I didn't couldn't afford anything I had to beg borrow and steal money which I still owe. I'm a very private person I actually sold my wedding ring to try to catch up on all these bills so I didn't do anything I was done with everybody until * when Chase closed my accounts and cause more issues I got mad and I wrote the cfpb they sent a letter to chase they sent a letter to the credit reporting companies Chase sent a letter back saying that only talked to my lawyer I said I didn't have a lawyer then they sent another letter to Chase and chase this time sent the reason why my account were closed see attached. basically they said I never had an account for $*,* or $*,* but I did have an account for * and as far as the telephone conversation goes they have deleted that and that I told them on the phone that I had been scammed and that's and that's why I was calling I never said those words. I have my credit report which shows the amounts that I that I had with Chase as far as the recording why would Why would they erase a recording they knew that I was disputing as it stands now I'm waiting for Chase to get back to me because we have a Chase and Equifax to get back to me as to what they're going to do but in the meantime I am in debt I can't pay my bills I am this has affected my health I've been to the ER three times all because it comes down too when my husband died and his credit limits were high my new cards my credit limit was lowered significantly significantly and the balance from the original credit card was put on my card making me over the decoration if they had asked in the beginning this is going to cause this problem do you have money to cover these bills it wouldn't have gone this far I wouldn't have gone through 10 years of Anguish only to continue it to this day please please I need help I can't do it anymore they have beaten me what time I have left am I going to be continually be known as untrustworthy risk a risk a risk my reputation is gone by good name is gone a good credit score is gone the last point I want to make is I can't live because of this wrong credit score now I can't even die I happened to go into one of those places where you make your last Arrangements I was doing that and the girls said wait a minute let me go check these things out she comes back and she said you know your credit score is really low now why don't you consider coming back when your credit score is higher I just left laughing now I can't die because of a credit score. that ratio to death is so hurtful how many other elderly seniors are in my position but you don't even know why they are in that position please please I need guidance thank you for reading my story se fixthisemail keepkey partsThis is how I was destroyed by wrong credit reporting Please bare with me it took me * yrs,to find out why My life iss totally ruined. When Jim Died I didn't know what I was suppose to do,’ I had a lotpfmoney in the IRA. Jim had about * credit cards, the one we used the most was GM card with a $*,* limit. The one with the lowest amt Was Chase $*,*, I was an authorized user on all the cards. I called the credit card companies , told them about Jim dying within * weeks from retiring,from Brain Cancer. As I was dealing with Cancer stage * Lung Cancer,no we didn’t smoke Each of the * credit card co,offered no information,they said.’”Stop\ using the card you have,we will Be sending out your own card” that was it. ,,,,I did not know anything about the debit to ratio,or about them adding the balance from the main card , while lowering my limit would cause my credit score to go down.. I did read recently that the Credit card co should tell what will happen,or notify you by mail before it ruins your credit score.I received nothing. Chase was the only credit card co that send ,me a new card with The same account number,so they could add the the balance to My card..my credit score goes down Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. Credit report, Equifax and Experience, ( could never get transunion, I have tried,,I am tired of their excuses) They said i could dispute things on line,,we went over everything, things they said they “will take care of disputes..” they also said That they had nothing to do with dedit to ration,when I called Back to see why my credit score was low. Equiplax told Me to hire Lexington Law. I hired Lexington Law at *.* for 6 months I was told I'd have my own paralegal if I had a problem after 6 months of nothing happening I called them a gentleman with an India accent Answered the phone I asked if he was my paralegal and he said that's the title they gave me today I hung up and I canceled them I had hired Phoenix law at * a month after 4 months they didn't do anything cancel them then I hired in charge debt consolidations They did a bait and switch and did a really long without my permission I had stressed I didn't want to lose my 8 years of perfect payment they refuse to fix their error closing out all my credit cards leaving me in a Dire Straits the last company I hired was LPG and they file for bankruptcy after 6 months with them do you see what a nightmare that says become and I'm not telling you everything yet so I'm dealing with my cancer my husband sudden death moving to Florida selling our house in Massachusetts and then my credit score goes down and yet I have gotten no help no information Chase From * to * limit was $*,* the smallest out of all the credit cards * t0 * limit was $*,*. * to * limit was $*. That's 29 years no missed payments. see attachment IN * They sent the card,the limit $ *,* , (chase send a email t the CFPB and after them draging this on for * yrs there email was nothing but li es, they said i never had a $* credit limit,,i have the credit report they cant pull the telephone record that shows i was yelled at over the phone, and my checking account was closedbecause they said I said my was scammer,,i never said that i called the bank to find out who a charge of $*.* i was without a check for 2 months the most in *, I paid Discover In * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. Chase at this time I have been with them for 19 years, that was in * at thattime perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment CHASE ESPONCSE TOCFPB EMAIL Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I was never notified that they were going to this.. —------------------------------------ Credit reporting This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. My credit score went down the minute my husband died,,. For 43 years We had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. I went and looked at the Equiflex report and was shocked that my credit score was *. I called to ask what happen ,they told me I was over the *% , What is *% didn’t Know anything about this . By the credit card companies adding the joint bal and The lowing on limit was the reason I was way over. Repercussion of the debt to ratio. After 10 years trying to find out why my credit score went down so bad and why I was left with high cost of everything because of the credit score @Had to sell my house because I couldn't get a loan to replace the air conditioner @ Had to get a reverse mortgage to help me survive paying my bills @Pay more for house insurance because of the credit score @No one would tell me why my score went down. Hired for debt repair companies @ Equifax told me to hire Lexington Law at $*.* have to 6 months nothing. @ Phoenix law at $ * a month for 4 months they did nothing. @ In Charge Debt Consolidation they did a bait and switch and did a relief loan all cards were closed out; they would not fix it, lost history perfect payment again for * yrs .credit score really goes down. @LPG For 3 months and I got a email telling me that they have filed the bankruptcy. @GEICO Auto Insurance because they go by your age and your credit score Then they went on to say that anybody with a low credit score is deemed untrustworthy because they would put in for more accidents and not pay their premium I've never had it had an accident or received a ticket and my payments were never late but still I was charged for those 8 years about $*,* More than I should have paid Credit Reporting Agenc @ Equifax said they would fix the errors did not after repeatedly put in disputes they were always coming back verified I couldn't do it anymore. I can continue to pay off the high credit card balances. I was going through my life savings we had added a lot of money to the cards because of the new home and moving and hospitals bills Equifax even out loud a bank called Symphony Bank to go into my closed accounts that would paid in full. no issues nothing this bank went in opened up seven of my close accounts and then close them saying it was close by creditor score goes down, then I get a letter from each of these companies telling me that my account is closed and it cannot be opened up. how can they do that. Equifax said that I was late on payments to to PayPal when it was closed and paid off I am in the Equifax data breach when I put in my claim stating that I believe Equifax sold my identity and the other main cause of my problems I put in a claim for all the money that I had paid all these tech companies that was in * it has now been settled in September * I called they don't know when they're going to send you any money plus my credit report has been pulled from the site because once you file a claim against Equifax they pull your credit report and send it to the some of the section so I have not gotten a complete credit report since August of * I called and asked him to mail me one I have not received it yet this is not right. experience called went over everything with a girl named Jennifer she promised she would take care of the errors *% promised what she did she put a fraud. I tried to get it removed and kept on getting in yes we're going to remove it we'll wait we're not going to move it it just fell off after 6 months now you realize in 10 years I have not been able to get a loan. in * Chase closed out my credit cards after 29 years without any notice and without any warning they told me they could do whatever they want when they want ‘six months after closing out my credit cards Chase had a charge on my bank statement for $* he didn't know what it was I called the girl asked me do you know what this is I said no that's what I'm calling you she goes is it fragile I said I don't know who it is she trust me to a man who's screaming at me telling me that I could have endangered the bank but it makes no difference now because my account is closed my reply was I'm getting my social security check in 2 days I need that money he said you should have thought of that before you did what you did what did I did do he wouldn't tell me you told me to go to the bank and see if they will open up an account for me I hung up from him I went to the bank the next day and was treated with the most disrespect unprofessional embarrassing customer service. they said only the manager can open up an account and he was busy I said I would wait they sent me to some man I don't know who he was he took my card and said yeah it's closed and turned his back on me didn't say another word except when I asked what about my check he said was sending it back again I said I need that money and they said well you should have closed your account I said I didn't your employee did I actually left that bank in tears *-year-old woman running out in tears is not a site to behold. call customer service they said they would call me back they never did was going to do arbitration got a call from their lawyer more or less telling me don't waste your time I canceled it did I wrote the CEO told him what happened his associate called and said we could close an account anytime we want without telling you the reason great now what I was I supposed to do two months without pay meant that I couldn't get my meds I couldn't I didn't couldn't afford anything I had to beg borrow and steal money which I still owe. I'm a very private person I actually sold my wedding ring to try to catch up on all these bills so I didn't do anything I was done with everybody until * when Chase closed my accounts and cause more issues I got mad and I wrote the cfpb they sent a letter to chase they sent a letter to the credit reporting companies Chase sent a letter back saying that only talked to my lawyer I said I didn't have a lawyer then they sent another letter to Chase and chase this time sent the reason why my account were closed see attached. basically they said I never had an account for $*,* or $*,* but I did have an account for * and as far as the telephone conversation goes they have deleted that and that I told them on the phone that I had been scammed and that's and that's why I was calling I never said those words. I have my credit report which shows the amounts that I that I had with Chase as far as the recording why would Why would they erase a recording they knew that I was disputing as it stands now I'm waiting for Chase to get back to me because we have a Chase and Equifax to get back to me as to what they're going to do but in the meantime I am in debt I can't pay my bills I am this has affected my health I've been to the ER three times all because it comes down too when my husband died and his credit limits were high my new cards my credit limit was lowered significantly significantly and the balance from the original credit card was put on my card making me over the decoration if they had asked in the beginning this is going to cause this problem do you have money to cover these bills it wouldn't have gone this far I wouldn't have gone through 10 years of Anguish only to continue it to this day please please I need help I can't do it anymore they have beaten me what time I have left am I going to be continually be known as untrustworthy risk a risk a risk my reputation is gone by good name is gone a good credit score is gone the last point I want to make is I can't live because of this wrong credit score now I can't even die I happened to go into one of those places where you make your last Arrangements I was doing that and the girls said wait a minute let me go check these things out she comes back and she said you know your credit score is really low now why don't you consider coming back when your credit score is higher I just left laughing now I can't die because of a credit score. that ratio to death is so hurtful how many other elderly seniors are in my position but you don't even know why they are in that position please please I need guidance thank you for reading my story

please fix the above mail, going to lawyer need key notes

redo this email need to have key part included This is how I was destroyed by wrong credit reporting Please bare with me it took me * yrs,to find out why My life iss totally ruined. When Jim Died I didn't know what I was suppose to do,’ I had a lotpfmoney in the IRA. Jim had about * credit cards, the one we used the most was GM card with a $*,* limit. The one with the lowest amt Was Chase $*,*, I was an authorized user on all the cards. I called the credit card companies , told them about Jim dying within * weeks from retiring,from Brain Cancer. As I was dealing with Cancer stage * Lung Cancer,no we didn’t smoke Each of the * credit card co,offered no information,they said.’”Stop\ using the card you have,we will Be sending out your own card” that was it. ,,,,I did not know anything about the debit to ratio,or about them adding the balance from the main card , while lowering my limit would cause my credit score to go down.. I did read recently that the Credit card co should tell what will happen,or notify you by mail before it ruins your credit score.I received nothing. Chase was the only credit card co that send ,me a new card with The same account number,so they could add the the balance to My card..my credit score goes down Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. Credit report, Equifax and Experience, ( could never get transunion, I have tried,,I am tired of their excuses) They said i could dispute things on line,,we went over everything, things they said they “will take care of disputes..” they also said That they had nothing to do with dedit to ration,when I called Back to see why my credit score was low. Equiplax told Me to hire Lexington Law. I hired Lexington Law at *.* for 6 months I was told I'd have my own paralegal if I had a problem after 6 months of nothing happening I called them a gentleman with an India accent Answered the phone I asked if he was my paralegal and he said that's the title they gave me today I hung up and I canceled them I had hired Phoenix law at * a month after 4 months they didn't do anything cancel them then I hired in charge debt consolidations They did a bait and switch and did a really long without my permission I had stressed I didn't want to lose my 8 years of perfect payment they refuse to fix their error closing out all my credit cards leaving me in a Dire Straits the last company I hired was LPG and they file for bankruptcy after 6 months with them do you see what a nightmare that says become and I'm not telling you everything yet so I'm dealing with my cancer my husband sudden death moving to Florida selling our house in Massachusetts and then my credit score goes down and yet I have gotten no help no information Chase From * to * limit was $*,* the smallest out of all the credit cards * t0 * limit was $*,*. * to * limit was $*. That's 29 years no missed payments. see attachment IN * They sent the card,the limit $ *,* , (chase send a email t the CFPB and after them draging this on for * yrs there email was nothing but li es, they said i never had a $* credit limit,,i have the credit report they cant pull the telephone record that shows i was yelled at over the phone, and my checking account was closedbecause they said I said my was scammer,,i never said that i called the bank to find out who a charge of $*.* i was without a check for 2 months the most in *, I paid Discover In * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. Chase at this time I have been with them for 19 years, that was in * at thattime perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment CHASE ESPONCSE TOCFPB EMAIL Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I was never notified that they were going to this.. —------------------------------------ Credit reporting This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. My credit score went down the minute my husband died,,. For 43 years We had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said, they will take care of it . I believed they would do as they said. I went and looked at the Equiflex report and was shocked that my credit score was *. I called to ask what happen ,they told me I was over the *% , What is *% didn’t Know anything about this . By the credit card companies adding the joint bal and The lowing on limit was the reason I was way over. Repercussion of the debt to ratio. After 10 years trying to find out why my credit score went down so bad and why I was left with high cost of everything because of the credit score @Had to sell my house because I couldn't get a loan to replace the air conditioner @ Had to get a reverse mortgage to help me survive paying my bills @Pay more for house insurance because of the credit score @No one would tell me why my score went down. Hired for debt repair companies @ Equifax told me to hire Lexington Law at $*.* have to 6 months nothing. @ Phoenix law at $ * a month for 4 months they did nothing. @ In Charge Debt Consolidation they did a bait and switch and did a relief loan all cards were closed out; they would not fix it, lost history perfect payment again for * yrs .credit score really goes down. @LPG For 3 months and I got a email telling me that they have filed the bankruptcy. @GEICO Auto Insurance because they go by your age and your credit score Then they went on to say that anybody with a low credit score is deemed untrustworthy because they would put in for more accidents and not pay their premium I've never had it had an accident or received a ticket and my payments were never late but still I was charged for those 8 years about $*,* More than I should have paid Credit Reporting Agenc @ Equifax said they would fix the errors did not after repeatedly put in disputes they were always coming back verified I couldn't do it anymore. I can continue to pay off the high credit card balances. I was going through my life savings we had added a lot of money to the cards because of the new home and moving and hospitals bills Equifax even out loud a bank called Symphony Bank to go into my closed accounts that would paid in full. no issues nothing this bank went in opened up seven of my close accounts and then close them saying it was close by creditor score goes down, then I get a letter from each of these companies telling me that my account is closed and it cannot be opened up. how can they do that. Equifax said that I was late on payments to to PayPal when it was closed and paid off I am in the Equifax data breach when I put in my claim stating that I believe Equifax sold my identity and the other main cause of my problems I put in a claim for all the money that I had paid all these tech companies that was in * it has now been settled in September * I called they don't know when they're going to send you any money plus my credit report has been pulled from the site because once you file a claim against Equifax they pull your credit report and send it to the some of the section so I have not gotten a complete credit report since August of * I called and asked him to mail me one I have not received it yet this is not right. experience called went over everything with a girl named Jennifer she promised she would take care of the errors *% promised what she did she put a fraud. I tried to get it removed and kept on getting in yes we're going to remove it we'll wait we're not going to move it it just fell off after 6 months now you realize in 10 years I have not been able to get a loan. in * Chase closed out my credit cards after 29 years without any notice and without any warning they told me they could do whatever they want when they want ‘six months after closing out my credit cards Chase had a charge on my bank statement for $* he didn't know what it was I called the girl asked me do you know what this is I said no that's what I'm calling you she goes is it fragile I said I don't know who it is she trust me to a man who's screaming at me telling me that I could have endangered the bank but it makes no difference now because my account is closed my reply was I'm getting my social security check in 2 days I need that money he said you should have thought of that before you did what you did what did I did do he wouldn't tell me you told me to go to the bank and see if they will open up an account for me I hung up from him I went to the bank the next day and was treated with the most disrespect unprofessional embarrassing customer service. they said only the manager can open up an account and he was busy I said I would wait they sent me to some man I don't know who he was he took my card and said yeah it's closed and turned his back on me didn't say another word except when I asked what about my check he said was sending it back again I said I need that money and they said well you should have closed your account I said I didn't your employee did I actually left that bank in tears *-year-old woman running out in tears is not a site to behold. call customer service they said they would call me back they never did was going to do arbitration got a call from their lawyer more or less telling me don't waste your time I canceled it did I wrote the CEO told him what happened his associate called and said we could close an account anytime we want without telling you the reason great now what I was I supposed to do two months without pay meant that I couldn't get my meds I couldn't I didn't couldn't afford anything I had to beg borrow and steal money which I still owe. I'm a very private person I actually sold my wedding ring to try to catch up on all these bills so I didn't do anything I was done with everybody until * when Chase closed my accounts and cause more issues I got mad and I wrote the cfpb they sent a letter to chase they sent a letter to the credit reporting companies Chase sent a letter back saying that only talked to my lawyer I said I didn't have a lawyer then they sent another letter to Chase and chase this time sent the reason why my account were closed see attached. basically they said I never had an account for $*,* or $*,* but I did have an account for * and as far as the telephone conversation goes they have deleted that and that I told them on the phone that I had been scammed and that's and that's why I was calling I never said those words. I have my credit report which shows the amounts that I that I had with Chase as far as the recording why would Why would they erase a recording they knew that I was disputing as it stands now I'm waiting for Chase to get back to me because we have a Chase and Equifax to get back to me as to what they're going to do but in the meantime I am in debt I can't pay my bills I am this has affected my health I've been to the ER three times all because it comes down too when my husband died and his credit limits were high my new cards my credit limit was lowered significantly significantly and the balance from the original credit card was put on my card making me over the decoration if they had asked in the beginning this is going to cause this problem do you have money to cover these bills it wouldn't have gone this far I wouldn't have gone through 10 years of Anguish only to continue it to this day please please I need help I can't do it anymore they have beaten me what time I have left am I going to be continually be known as untrustworthy risk a risk a risk my reputation is gone by good name is gone a good credit score is gone the last point I want to make is I can't live because of this wrong credit score now I can't even die I happened to go into one of those places where you make your last Arrangements I was doing that and the girls said wait a minute let me go check these things out she comes back and she said you know your credit score is really low now why don't you consider coming back when your credit score is higher I just left laughing now I can't die because of a credit score. that ratio to death is so hurtful how many other elderly seniors are in my position but you don't even know why they are in that position please please I need guidance thank you for reading my story

redo this email so it sounds better