How long to raise score?

Mar 222011
 

Looking to purchase a home in Florida ASAP

 

FICO is 590

4 collections totalling about $1000, all have been paid off this month, after pulling credit

No recent bad accounts except for the collections

$0 debt

Income $35000-$42000 a year

One of the larger $433 collections was actually an error and is being removed

Have $6,000 saved right now, will have close to $10,000 by May.

 

Wondering when I would qualify and for how much?

How long will it take to bump up my score?

 

Just opened a secured credit card

 

 

Thanks for your help

CA in Denver – Machol & Johannes

Mar 102011
 

Chase charged off my debt and CA Machol & Johannes came after me, backed me into a corner and coerced me to agree to a monthly payment of $100 for 85 months. OC is reporting the charge off to the bureaus and Machol and Johannes is not reporting that I am making monthly payments (so far $900 has been paid, each month on time). I thought this would help my credit, but it has not.

 

What can I do?

trying to rebuild credit, and today..

Nov 262010
 

Stupid Medical collections that should’ve been paid by the insurance LOWERED my credit score by 23 points, down to 597. I don’t/shouldn’t have to pay them since my insurance should’ve covered it!! What can I do?

Omg..trying to rebuild credit, and today..

Nov 262010
 

Stupid Medical collections that should’ve been paid by the insurance LOWERED my credit score by 23 points, down to 597. I don’t/shouldn’t have to pay them since my insurance should’ve covered it!! Wtf? What can I do?

Removal of Paid accounts-Help

Jun 282010
 

Who do I contact (the orginator or the credit bureau) to remove paid accounts off of my credit report?  I have two collections that have been paid off since 2008 that are still on my “flagged” items as being negatives.  I want them removed.  Thank you in advance!

 

Here’s a question

Mar 302010
 

For those that have been doing this for a while…I have a paid auto loan. It’s been paid off for a few years now. However, I does show a few 30 day lates that I would like to have removed. The company that made the loan has since went out of business. Should I just dispute these lates with the CRAs since they will have no means of verification?

AU will help?

Mar 162010
 

My mom is trying to rebuild her credit post BR. I am thinking about adding her as an AU on one of my credit lines. It only has a $5k line, but it has never been paid late and has been open for 2.5 years. Will this help her? Will the CC decrease my line or otherwise negatively impact me if I add her (It’s US Bank).

 

 

Problem with Estate Information Services

Mar 142010
 

Phone:  8777143739

 

My grandfather passed away and these guys are now calling saying there is $2000 owed and they will put a lien on his house (which is being sold). The issue is, this is for an account that I dealt directly with Citi for two years ago. The total balance was about $6000k. This was for school stuff, which was mine. They agreed to wipe out the whole balance for $4000, which has been paid in full since March 2008. Does anyone know anything about them? What do I do?

If a dispute is validated, does it hurt my scores?

Feb 222010
 

If I dispute an account or collection with the CRA’s and it comes back validated, does that hurt my scores or report since the date of last reported avticity changes?

 

Also, I disputed a 30 day late on an auto loan that had been paid off in full a month earlier, and they corrected it but also added “Report currently in dispute - now resolved, reported by the credit grantor.” Is this hurting me at all?

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