How would they know?
I am looking at my debt to income ratio and my bills are considerably less than what I make per month, but it always says that my DTI ratio is too high. How would they know how much I make
Categories: Rebuilding Credit Tags: always-says, bills, debt, dti, edited, income-ratio, know-how, make-per, message-edited
Trying to rebuild, feel like a cat with its head stuck in a paper bag
I'd like to start off by saying that this site is so helpful ! For those who have or are rebuilding , I'd love to get your advice , please , on which way to go .
Categories: Rebuilding Credit Tags: bhph, calicurli, dismissed-because, edited, fcu, hipaa, longer-owns, message-edited, pif
Why aren’t My Deletions Making my Scores Skyrocket
I've noticed by reading the post in this forum that OPs scores are skyrocketing when there is a deletion. I've had 3 in the past 2-3 weeks and my scores are turtleing along.....
Categories: Rebuilding Credit Tags: before-the-tax, edited, forum, havent-been, home-before, ideas, message-edited, one-payment, personal-loans, scores, settled-paid, these-accounts
What does "current closed" mean at freecreditreport.com?
NATIONAL CREDIT SYSTEM Current Closed 404-629-9595 Mailing Address: 3750 NATURALLY FRESH BLV ATLANTA, GA 30349 More Account Details Account Name NATIONAL CREDIT SYSTEM Account # 116XXXX Account Type Collection Department / Agency / Attorney Balance Date Opened 1/1/2006 So, just wondering exactly what current closed means.
Categories: Rebuilding Credit Tags: balance, closed, collection, edited, find-out, guess-still, message-edited, opened
AMEX C/O MIA … weird
Pulled report today and discoverd my AMEX CO disapeared from the reports in all 3 CRA. Only CA assigned shows.
Categories: Rebuilding Credit Tags: amex, cra, dofd, edited, from-the-reports, Gordon, message-edited, reports, still-within, the-reports
Questions (CAs not bonded in my state, How to figure out what an unfamiliar item is on my CR)
Hi All, After years of ignoring my credit that i messed up when I was younger, I got up enough guts to pull my CR (especially after I keep getting denied apartments and am living in someone's basement) It's pretty bad but most of the stuff is disappearing at this point.
Categories: Rebuilding Credit Tags: credit, edited, enough-guts, florida, keep-getting, message-edited, record-unti, status-details, tennessee
Plan of Attack
Ok I need some advice on how to approach this matter. I am trying to determine how to best pay the follve a owing items.
Categories: Rebuilding Credit Tags: advice-on-how, determine-how, edited, limits-or-pay, matter, message-edited, over-the-limts, start-looking, vehicle, vehicle-soon, work-on-paying
PFD and GW advise needed please
If I ask for a GW or PFD would the company I ask only look at their own account, or might they look at my whole credit history? I really don't deserve any goodwill, to be honest...but am going to ask for it regardless. I just don't want to make a complete fool of myself if they can see that I have rarely paid a bill on time in my life. Thanks Message Edited by sharpie on 02-22-2010 10:06 PM
Categories: Rebuilding Credit Tags: bill-on-time, complete-fool, edited, life, message-edited, really-don, their-own
Equifax Score Monitoring Products is exactly the same as myFICO
Just wanted to let you know that the credit monitoring products you get on Equifax is exactly the same ones you can get here except for the following: Unlimited credit report from Equifax Easier Disputes 3 in 1 report, but you can get your report for all 3 free annually at http://www.annualcreditreport.com/ (Report only, no score) Other FREEbies: Experian: http://www.quizzle.com/ Transunion: http://www.creditkarma.com/ (Summary only, no report). Message Edited by vankenn on 02-21-2010 06:24 AM
Categories: Rebuilding Credit Tags: credit, disputes, easier-disputes, edited, equifax, message-edited, report, same-ones, the-following, your-report
Has anyone have experience with asset acceptance?
How did anyone get asset acceptance off there credit report and how long did it take? Did you have to file complaints against them before they would remove tradeline? Message Edited by elaine829 on 02-18-2010 08:19 PM
Categories: Rebuilding Credit Tags: edited, file-complaints, get-asset, how-long, message-edited