ready to give up
my scores stink. there is nothing i can do about it except let time pass.
Categories: Rebuilding Credit Tags: balance-owed, charge-banks, corrected, credit, credit-bureaus, dispute, disputed-some, score, score-down, scores
charge-off
i have a charge off on a credit card thats 2 yrs old, its still reporting, if i pay it would it drop my score or increase it
Categories: Rebuilding Credit Tags: Credit Card, its-still, score, score-or-increase, yrs-old
Categories: Rebuilding Credit Tags: aaoa, card-last, down-some, few-120, few-150, jewlers, report, score, the-following, will-bring
My score seems to be stuck
Hello all, Thanks to all the help from the forums I have been able recesistate a half dead credit score, and now I need help again. My scores have been the same for the last couple of years give or take a few points
Categories: Rebuilding Credit Tags: charge-card, Credit Score, forums, from-the-forums, help-boost, mastercard, payment-today, score, score-either, scores, situation, some-advice, years-give
Categories: Rebuilding Credit Tags: acccount, account, account-number, bought-the-debt, debt, never-recieved, pinnacle-state, prove-or-get, score, stated-the-last, wrongly-stated
Score vs Report
This might seem vague, but what do lenders value more...your score or the items on your report? For example, a general mortgate rule of thumb has been 620. Are they looking only at your score, or can they find a score of 650 and see something in your report that disqualifies you? What about other lenders like credit cards, landlords, etc...I'm just curious and really trying to figure things out.
Categories: Rebuilding Credit Tags: credit-cards, figure-things, items, lenders, lenders-value, might-seem, report, score, see-something, the-items, your-report, your-score
Paying Settlement Offers….
I received 3 settlement offers in the mail: One from NCO (already DV'd) and they offered a PFD. (definitely going to take this one) One from Enhanced Recovery Co- I'm not sure about this one. I haven't DV'd with this CA yet.
Categories: Rebuilding Credit Tags: account, over-the-sol, really-old, same-applies, score, settlement, should-take, sleeping-giant
Opening a new mortgage or HELOC line, what will that do to score?
First, let me say, I appreciate all the help I get here. I know I have asked a lot of questions and some of them seem to be the same but like everyone here, I am trying to make changes for the better.
Categories: Rebuilding Credit Tags: heloc, lender, make-changes, mortgage, new-mortgage, Opening, process, revolving-help, score, the-opening, the-process
credit rebuilding….debt consolidation victim….
hello good people of the FICO FORUMS, i am a late 20s guy that needs to get his @$$ in gear with his credit.... any help would be greatly appreciated...
Categories: Rebuilding Credit Tags: companies, crappy-words, credit, jobs, new-accounts, rambling, score, sense-making, settling, the-rambling
Paid off charge-off increase score?
I was able to make settlements on all of my cc chargeoffs. Most of them were settled for 80 or 90% of the balance. Once the OC or CA reports the payment, which would show the wording "payment after chargeoff" will my score go up at all? Right now according to my LO it is 493! We had a home equity line of credit that came due and luckily our lender is willing to rewrite it for us. We ran into a rough patch when DH lost his job, defaulted on most of our credit cards, and fell behind on our installment, mortgage loans for about 7 months. But since January of this year we have been able to make all payments on time and save up the money to pay off all the charge offs. Since we will soon have 12 months current payment history on all accounts, i would like to see the score go up, and I am kinda surprised mine is so low. If you have experienced a movement in your score since you made payments on charge offs or settled in full, would you please respond. Our payment history was perfect before dh's layoff, hard to believe just one rough patch can screw up so much. If I can't expect to see an increase in my score once all the OCs and CA report the payments, how can I get my score up there. Is there a magical increase after 12 months on time payments?
Categories: Rebuilding Credit Tags: balance, installment, kinda-surprised, money, months-on-time, mortgage-loans, offs-or-settled, our-installment, payment, payment-history, payments, score, time-payments, Wording