Verizon Wireless
I'm about to open an account with them and was wondering which of the three reporting agencies they report to if not all of them. does anyone know
Categories: Rebuilding Credit Tags: credit, reporting-agencies, the-three
Can you PFD a creditor directly?
Hello, I have an account with WFNNB that has a lot of 30, 60, 90, and 120 day late marks. It's currently up to date as far as payment goes and they have placed me on this "hardship" program that lowered my interest rate and lowered my payment. However, by doing so, even when i'm making my required minimum payment it's still showing 30 days late every month when I was never aware of this
Categories: Rebuilding Credit Tags: account, balance-being, collections, credit, date-as-far, hardship, having-it-sent, minimum-payment, payment, payment-on-time, required, the-collections
Equifax through myfico
I have my equifax report through myfico, how do I go about finding out who the collections accounts are from? This is how they are listed on my report: I know some of them are medical so I want to start HIPPAA but I don't know which ones are. Collection on debt to: Not Reported The collection agency "645yc00000" was hired to collect a debt of $24 originally owed to "Not Reported" on account number "XXX8916"
Categories: Rebuilding Credit Tags: account, account-number, collections, equifax, equifax-report, know-some, largest, reported, the-collections, through-myfico
What if I got my free CR last year?
I got all of my free credit reports last year in the summer so I am not due for new ones for a few more months. What can I do until then where should I go for a copy? I did just apply for car loans would I be able to get free ones because of denials from the apps?
Categories: Rebuilding Credit Tags: Apps, car-loans, few-more, free-credit, from-the-apps, get-free, not-due, ones-because, reports-last, summer, the-apps, the-summer, until-then
Money order for PFD?
Is a money order considered certified funds? I am preparing to send off a PFD letter so I am wondering if I should specifically state that I will be sending a money order or if I can leave it as certified funds
Categories: Rebuilding Credit Tags: checking-account, considered-certified, moment, Money Order, paychecks, pfd, prepaid-debit
Still worth a DV? Trying to make sense of this…
Hi Guys, I pulled my free credit reports for the year and was going over everything to write some PFD letters. I am beyong SOL on all my negative hits and most everything negative will drop on it's own in about 1 - 1.5 years.
Categories: Rebuilding Credit Tags: arrow, arrow-financial, Credit Card, debt-showing, dola-as-oct, highest, negative, negative-hits, odd-reporting, original-credit, record-shows
What to do next? anything?
I just received an auto loan for $4000 from a credit union, and credit scores since early March are TU: 674 (dealership said 707 a few days later), EQ: 681 -- I have 3 cards, 2 retail and 1 credit (only as auth user though) ... should I/can I apply for a credit card, or should I let the loan build my credit up more? Would it hurt to get a credit card, even if I don't NEED it now
Categories: Rebuilding Credit Tags: Cards, credit, Credit Card, credit-union, dealership-said, need-it-now, only-as-auth, pretty-much, scores-since
What would be better for your score?
Paying off a med collection that started reporting in may of 09 and reports KD to only your Experian report every month or paying down all cc to 10 or 20% utilization? Generally speaking of course, I know everyones scores are different etc
Categories: Rebuilding Credit Tags: different-etc, experian, generally-speaking, know-everyones, med-collection, month-or-paying, paying-down
Quick improvments to Fico Score
I am trying to purchase a new home and my current middle fico score is 564, would like to get it to 620 - 640. I have 19 accounts with late payments most of them over two years ago. My credit card balance is 31,000. Some of the accounts that are reporting me with late payments are paid off. I am able to paydown my credit card balances significantly but not sure if that will help my score. I am worried that if I pay a large sum to paydown accounts, would this affect my score significantly or would I also need long term good payments? It has been 9 months since the last late payment. I am currently moving and needing to purchase a home this spring. Need advice!
Categories: Rebuilding Credit Tags: Accounts, affect, credit, Credit Card, Current, current-middle, good-payments, late-payments, months-since, score, since-the-last, spring, the-accounts
592 and waiting please help!
I have 7 accounts that all show the first late from 11/03 to 01/04. I also have a recent charge off for a co-signed car, which did not change my score at all. I have 1 CC with 9000 limit and 4200 bal. My question is should I spend my time on these 7 accounts or would paying down my CC benefit me more? I want to get my score above 620- it is now 592.
Categories: Rebuilding Credit Tags: co-signed-car, not-change, recent-charge, score, show-the-first, the-first, time