paid chargeoffs

Dec 022011
 

Hi everyone, I am wondering what my best course of action would be on a charged-off account that i payed in full today. I tried to get them to do a PFD, but they wouldn’t go for that, should i just start writing letters to higher ups to see if i could get it removed from my reports on a goodwill effort or should i just try to get the lates removed, this is all so confusing to me, lol, if anyone can steer me in the right direction, it would be gratefully appreciated. thank you in advance for any suggestions.

My sister recently had her bancruptcy discharged and is now ready to start rebuilding her credit. Would it help her score if I added her to a few of my credit cards? I have superior credit and want to retain it, so, if I do add her to my cards will her negative credit affect mine? Any ideas on how to help my little sis would be very appreciated.

12 Secrets to Rebuilding Your Credit

List Price: $ 19.95 Price: $ 19.95

New to this Blog but I need help on how to repair my credit

Aug 302010
 
I was sent to this site from yahoo answers website. I was told this is the best site to go to for help. I am so tired of wrestling with my credit right now. I have paid for everything with cash in the last 5 years. I have several collection accounts, credit cards that are marked as charged off, and medicals personal loans and now I have student loans that were supposed to be in default and they aren’t! What else can go wrong? I’m 35 and need to buy a house. I earn 80,000 a year and can’t seem to get my credit together. I have paid a company 100 a month to clear my credit but it seems as though it was a waste! Most of my collections are over 5 yrs old. Should I just sit around for 2 more years and hope they fall off or should I just pay them off and hope that it doesn’t update my negative credit trying to do “the right thing”!! I’m a complete mess. I pay rent of 975 a month along with lights, water, electricity, cable and can’t get a home in my own name!! I’m never late on these items either. Whats really frustrating is that I just got an orchard bank card, a secured credit card through my credit union and opened up a loan in a furniture store to help fix my credit and it has actually dropped 56 points!! Why? Can I get some serious answers to resolve my situation please? I really need help. I’m willing to do whatever it takes.