Rebuilding credit, need advice on what to do with tax refund
Heres my situation, last year about this time my credit scores were about 530-550 from each cb. I got an autoloan from wachovia dealer services at 18.9% apr for 301.09 a month.
Categories: Rebuilding Credit Tags: 2006-pontiac, balances, credit, Credit Score, credit-cards, credit-scores, first-premier, good-condition, private-party, situation, time, wachovia-dealer
Expected increase in credit score after removal of collections account
Folks My credit scores are 681 761 and 703 EQ/ EX and TU. I had a collections on my report. The insurance company didn't pay a medical bill until approximately 1 year had passed (2007) I called the collections company and they said they would remove it from EQ and TU
Categories: Rebuilding Credit Tags: collections, Credit Score, credit-scores, how-much, medical-bill, report, scores, the-best, will-get, year-had
Help! old judgement killing me getting a mortgage loan.
Well, I have a judgement against me for $11,681 filled in October 2003. I lost my job and had a car go back to the bank, which they then sold, and put a judgement against me for the difference. I'm told that no one will touch me with that judgement and that when any attorney goes to close that will have to be paid off first
Categories: Rebuilding Credit Tags: 681-filled, bank, credit, credit-report, credit-scores, difference, judgement, judgement-falls, paid-off-first, takes-10yrs
to opt out or not to opt out? that is the question.
So, if I am in the process of GW some collections and lates, should I opt out? What are the pros and cons? And if I am also in the midst of going for a mortgage, does that change my options? Also I recently saw a post on the mortgage thred that says if you dispute an item it will re-age the account. Does that mean if I GW something now it will stay on a credit report for another 7 years??!???
Categories: Rebuilding Credit Tags: account, again-everybody, credit-report, credit-scores, like-navigating, midst, mortgage, process, pros, recently-saw, something-now, the-mortgage, the-process, will-re-age
Little Advice Needed, OC and CA removal
Hey guys, first post here but I post on other sites. I just purchased my credit scores from TU and EQ and also have my credit reports from them, as well as a credit report from EX. Here's the deal: Credit card from 05 (HSBC) I could no longer pay on because I lost my job and literally had no income. The amount was only around $566 total. I missed 5 payments and HSBC assign a CA to collect the debt. I had no money to pay them either. HSBC ende up selling the debt to the same CA which they have been trying to collect on. I verbally told the CA I would pay PFD in full but they wouldn't budge. I sent a letter 2 weeks ago offering the same thing, still haven't heard back from them. I would like to get both negative marks completely removed but don't know how I should go about getting the negative mark removed with HSBC since they sold the debt and they can no longer collect on the account
Categories: Rebuilding Credit Tags: account, credit, credit-report, credit-scores, debt, literally-had, longer-collect, mark-removed, negative, negative-marks, sold-the-debt, verbally-told
New to Forum
I am new here. I view my credit scores and my report. I checked off the items that I am going to dispute
Categories: Rebuilding Credit Tags: certain-items, credit, credit-scores, items, negative, negative-owed, people-were, report, saying-even, score, the-items
Corporate Company card
HI, I have a question. My credit isn't so hot (high 5's to low 6's), but I was able to get an AMEX corporate card for work. I got it in August of 2009. The only problem is, I notice it's not showing up on my credit reports
Categories: Credit Cards Tags: account, corporate-card, Credit Card, credit-scores, economy, only-problem, the-economy, used-it-yet
Credit card website
Do anyone know the website that tells you the credit scores you need to get a certain credit card?
Categories: Rebuilding Credit Tags: credit, credit-scores, know-the-website, the-website