New to this Blog but I need help on how to repair my credit
I was sent to this site from yahoo answers website. I was told this is the best site to go to for help
Categories: Rebuilding Credit Tags: collections, credit, credit-union, furniture-store, negative, negative-credit, personal-loans, secured-credit, seems-as-though, serious-answers, situation
Re: can anyone anwer this question
Before you pay ask them to remove the account from your credit report. I had very good success in having the collection agencies removing the negative information if I made the terms before I paid. Give them a sob story about how you need this removed to buy a house
Categories: Rebuilding Credit Tags: account, collection, credit, good-success, made-the-terms, negative, removed, sob-story, terms, terms-before, your-credit
Student Loan sent to CA (offering rehab)
Any help/advice would be appreciated. I had two student loans (CSA) that went into collection (progressive) and has been in collection the past 4-5 yrs. Each loan amount is only $2000 each and the CA offered a rehab program (9 month payment) at which time, the negative report will be removed. I heard from the board that the government offers rehab program and wanted to know if the rehab program offered by the CA is legitimate. I know that paying off the collection will result in the negative being in my CR for a long time and wanted to know if the rehab program the way to go. I also wanted to know what the monthly payment would be for joining the rehab program. Thanks a bunch.
Categories: Student Loans Tags: collection, from-the-board, government, month-payment, monthly, negative, program-offered, program-the-way, rehab, rehab-program, Student Loans, the-collection, the-negative
Next steps?
I recently started rebuilding my credit. I have gone through and cleaned up all the negative info on all three reports I have had a new credit card for the past 4 months and always pay on time and keep the balance very low. What should I do next?
Categories: Rebuilding Credit Tags: always-pay, balance, balance-very, credit, negative, negative-info, past, the-past
How to find a different point of contact in a company and reach them.
I had a Tribute Mastercard that was charged off.
Categories: Rebuilding Credit Tags: better-contact, get-redirected, negative, point, second-reage, steady-paycheck, the-negative, write-the-ceo
Goodwill Question
I've read quite a bit of the threads here and I can't really find the best approach for addressing goodwill letters.
Categories: Rebuilding Credit Tags: addressing-goodwill, credit-cards, find-the-best, main-office, negative, negative-entries, read-quite, really-find, the-best, the-threads, threads
CFNC and Deployment
Hi all, From 2007-2008, I had to leave school to deploy to Iraq. During this time, I missed payments on two student loans I had through CFNC. Actually, to be fair, I thought I had suspended billing during the deployment. Now I have graduated, and today found out that I have two 90+ late payments on my EQ report from March 2008. Obviously, I want to get these reports removed. I am at a loss for how to word the GW letter. Also, during the past two years at school, I have not been making payments on any of my loans. They have been in continuous deferrment which ends May 2011. Later this year I expect to pay off a sizeable portion of the student loans with my re-enlistment bonus. Would I have a better chance of success if I paid off most of the loans first, and then tried to get the negative statements removed? From what I have read on this forum, success with CFNC has been hit or miss. Any past experience or suggestions would be appreciated
Categories: Student Loans Tags: better-chance, billing-during, deployment, during-the-past, late-payments, loans, missed-payments, negative, paid-off-most, past-experience, payments-on-two, student, time, years-at-school
Cleaning up credit to qualify for Grad Plus
These are the requirements that studentloans.gov has on their site, though I have seen other sites list a few that are not there: Conditions for a Denied Credit Check Bankruptcy (Chapters 7,11, or 12 within the past 5 years) Note: Department Policy does not consider Chapter 13 bankruptcy adverse. Voluntary surrender within the last 5 years Repossession within the last 5 years Foreclosure proceedings started Foreclosure within the last 5 years Deed in lieu of foreclosure Accounts currently 90 days or more delinquent Note: Accounts currently reported, as 90 days or more delinquent, which are over 5 years old since the last reported delinquency, are not considered adverse. Wage garnishment within the last 5 years Defaulted loan that has been claim paid Lease or contract on secured real estate County/State/Federal tax lien, within the past 5 years I am wondering if I were to clean up the negative items on my credit report, would I make myself eligible for the grad plus loan...
Categories: Student Loans Tags: couple-closed, credit-repair, credit-report, days-or-more, grad, last-reported, listed-as-open, negative, past, requirements, since-the-last
Consolidated student loans – is there any way to try to get the US Dept of Ed to remove baddies?
I've spent the last year consolidating my student loans (only 2 loans, less than $10,000 altogether) and the second loan will be paid and consolidated in the next month or so. So I have a nice student loan sitting on my credit report, no lates, current and paid as agreed - but there are several listings for the US Dept of Ed with major delinquencies from the past (sad sad story, got pregnant right out of college, no job, got married and stayed home and had no money of my own to pay my old bills, boo hoo). They all show $0 balances now but the negative history is still evident.
Categories: Rebuilding Credit Tags: baddies, else-negative, kindness, negative, paid-as-agreed, reports, student, Student Loans
Sent GW to Kohl’s via email …
I recieved a response back from them via email stating : "Thank you for taking the time to contact Kohl's in regard to the negative reporting on your Credit Bureau Report. I understand that your credit report is very important to you and can understand how frustrating this must be for you.
Categories: Rebuilding Credit Tags: account, credit, credit-bureau, determination, how-frustrating, negative, rejection, taking-the-time, time, timeframe, very-important