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New Member
Posts: 3
Registered: ‎08-19-2007
0

GETTING MY CREDIT UP WITH CHARGE OFFS AND INSTALLEMENTS . HELPPPPPPPPPP.......

HELLO EVERYONE I WAS WONDERING IF I COULD GET SOME HELP SEEING THAT IM SO CONFUSED ABOUT THIS THING CALLED CREDIT. I HAVE READ THE CREDIT 101 AND ALSO DOWNLOADED THE FICO BKLET.
 
HERES WHAT IM TRYING TO DO- GET MY SCORE UP ITS IN THE 600S.
I HAVE 10 INSTALLMENT ACTS ( STUDENT LOANS) AND 3 REVOLVING ACTS.
 
MY INSTALLMENT ACTS TOTAL AROUND $9600.00. I CONTACTED SALLY MAE AND THEY TOLD ME THAT THEY HAVE SOLD MY ACTS TO ASA ( AMERICAN STUDENT ASSISTANCE.) SO MY QUESTION WOULD BE CAN I GET THE SALLY MAE ACTS TAKEN OFF MY REPORT OR NOT? ITS LISTED AS CHARGED OFF BUT IT WAS TRANSFERED.
 
I AM PAYING ASA DIRECTLY THROUGHT MY BANKING ACCT. WAY ABOVE THE AMOUNT THERE ASKING.
 
AS FAR AS THE REVOLVING ACTS THERE TOTAL IS AROUND $1000.00 AND IM WORKING WITH THE COLLECTION AGENCIES TO RESOLVE THESE ISSUES SEEING THAT IN THE NEXT 2 YRS I WANT TO BUY A HOUSE AND I WANT THE BEST RATES. SINCE THERE CHARGE OFFS IS IT STILL GOOD FOR ME TO PAY THEM OFF AND IF SO WHEN THERE PAID OFF HOW CAN I GET IT OFF MY REPORT?
 
MY REPORT SAYS THAT I HAVE 10 CLOSED ACTS AND 3 OPEN .  WHAT DOES THAT MEAN?
I HAVE 2 PAST DUE AND 2 WITH NEGITIVE ACT HISTORY.
 
ALSO THERE ARE MULTIPLE ENTRIES FROM ONE PLACE, SHOULD THAT BE?
 
I HAVE ONE CREDIT CARD AND I PAY THAT IN FULL EVERY MTH.
 
MY HISTORY IS WAS HORRIBLE UP UNTIL ABOUT A YR AGO. AS IVE GOTTEN OLDER I HAVE REALIZED THAT I NEED TO DO BETTER, IM 28 AND DIDNT TAKE CREDIT SERIOUSLY.
 
PLEASE HELP ME.
 
AND THANK YOU ALL SO MUCH.
 
 
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: GETTING MY CREDIT UP WITH CHARGE OFFS AND INSTALLEMENTS . HELPPPPPPPPPP.......

 
And stop shouting (all caps).
New Member
Posts: 3
Registered: ‎08-19-2007
0

Re: GETTING MY CREDIT UP WITH CHARGE OFFS AND INSTALLEMENTS . HELPPPPPPPPPP.......

THANK YOU SO MUCH FOR THE HELP I HAVE READ THAT OVER SO MANY TIMES BUT IM THE TYPE OF PERSON THAT NEEDS STEP BY STEP.
 
I WASNT MEANING TO YELL AT YOU ALL. I JUST LIKE THE WAY CAPS LOOK SO I ALWAYS WRITE IN IT IF THE BUTTON IS ON.
 
THANKS AGAIN SO MUCH I WILL DECIFER IT AGAIN
 
 

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