HELP: Judgement do I pay it , it’s been on my report for 4 years.

Mar 082011
 

Hi,

 

I just got off the  phone with a very pushy Judgement Enforcement man….the judgement is FOUR years old (Nov 2007) and is for a GYM membership that I cancelled.

 

This has been on my report since November 2007, if I pay the Judgement how much will my credit score jump?  (Speculation I know, but any insight would be great).  I am so furious with the GYM that did this to begin with that I am half tempted to take my chances in court.   (although it would be a major headache and I have no documentation from 2002 when I cancelled the membership).

 

Looking for any advice….

 

Thanks

Looking for a little advice for getting my score up.

Mar 032011
 

Greetings,

 

 I’ve been reading Fico forum posts for over 8 months since I’ve been working on repairing my credit.

I have enjoyed several of the postings and found them very informative and helpful. 

I was wondering if you guys (or gals) would be willing to give me a little advice on how I can be more proactive in elevating my score.

If you wouldn’t mind taking a few minutes to review my profile and just shoot me a few tips. I’d be REALLY grateful.

 

TU is 665

EQ is 643

EX is  630

 

Sallie Mae account $144 -age 16 years old

Sallie Mae account $246 -age  16 years old

 (I have 2 Sallie mae accounts)

 

Capital One secured card -$2300 -age 6 months old

(its reporting unsecured. The limit is $3000)

 

Chase auto loan -$5000 -age 4 years old

 

Fingerhut -$300 -age 6 months old

 

I have between 3 and 4 inquiries on each report.

I have 3 collections on each report.

My last late payment was March 2009

Capital One recently extended $300 unsecured on that card, making a total of $2300 CL

I utilize less than $150 on that Capital One card (I’m not certain on the % but I make a point to keep it under 10%)

 

My TU score has climbed significantly over the last few months, however EQ and EX have remained at 643 and 630.

Any advice to help me move forward?

 

And thanks again for any help.

 

-John

 

 

 

 

Paying off Collections accounts bad for FICO score?

Feb 162011
 

I recently read a book in which the author states that paying off a collection that is 2 years or older is worse than just leaving the old collection unpaid. Is this true? I have a couple of collections accounts over 2 years old and 1 that is 1 year old.  Is paying off these accounts really bad?

Final Collection Removed!

Nov 292010
 

After much diligence and many GW letters, my NCO paid collection was removed from my Equifax. Now I only have a capital one CO that is paid in full and a few lates that are over two years old on a Victoria Secret Credit Card! I will keep Good Willing away! 

 

Hopefully soon I will be in good shape for a new car loan! 

 

Yippee! Just January of this year both of my scores were low 500s and I had several collections and baddies. 

Vacate Judgement – FICO Score

Nov 092010
 

I have a judgement that I am about to vacate- it was IIB it’s about 2 years old, with an open balance. Does anyone think my score should go up? It only shows on TU and TU is about 40 points behind EX

 

Thanks! 

12 year old civil judgment

Oct 022010
 

I am currently shopping  for a mortgage and I have a civil judgment that is due to fall off 2013. The  issue is that its  over 10 years old and it keeps updating. I was never served  properly with the original papers.  The 2nd time they resubmitted to the court, I had moved to another apt in the same building and I was never served . It was originally $700 now its $1900. I also have a charge off that was $600 and now its $1600 due to come off in 2012.

Please advise me as to  how to clean my report.

 

Thank you.

 

Pulled my 1st CR post Ch7

Sep 012010
 

And I do not see student loans listed anywhere except as “Included in Bankruptcy” … help?  I am thrilled beyond belief as they were almost 20 years old, but am thinking there is a mistake somewhere and that if I don’t pay them, I will have bad debt again.

 

ACS College Loan Corp – included in bankruptcy.

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