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800ficoscoregirl wrote:Hello Everyone,this is so exciting find out about my credit scores and actually finding a place to help you out and people here that are so helpful give me great hope!I have read so many stories but I will make mine quite short. this is my second post after reading and getting great information on what I need here is were I am now.my one of my fico scores are good and the other tw are bad in the low 600.I had a judgement from an apartment complex back in 2004 that I did not know I had I had given my 60 day notice in writing and paid the last months rent. I had to leave overseas Now found out that the assiant manager put a judgement on me the worst was trying to get get all the information that I paid it. The propety has since been sold to another and I had she went through a lot to get the judgment to say it was paid after it took months of works( you could not believe how much work that was) but the currrent property manger said they did that to a lot of people before they bought and so I was not the only one. the county said they released me from judgement but what can I do to get if off my records and since it was not correct what can I do?1. Merchants Medical2. LaFayetta Burea of Credit3. I C systems4. Shell CreditSOL- is Texaslastly here are the others I am working onWhen I am home I live in Texas.1. Shell Citi corp- charge off- because I did not get my mail and didn't know I had past due bills I paid the debit of 25.00 but it was after it the account was chargeoff I am consider sending them a letter of GW.2.Merchants Medical -has 2 accounts paid but it was paid to OCI sent wrote to them and they said I do now owe them anything but it is still on my CRSaint Mary's Hosp- OChow can it get this off?date open 3-6-2006date reported 2-21-20073. Lafayette Burea of credit- Original Creditor Anesthia associates25.00I have disputed this twice and don't have a clue? they still say I owe 25.00Date open 7-13-2006Date reported 3-15-20084. I C SystemOC- Anestea associates$4246-1-20063-15-2008 date reported5. LVNV funding- I have no ideal how these people are but I state eariler they called my mom and I did not give them her number they harressed her saying all sorts of stuff. I don't know what account they took on on what$ 4309If I have left anything out please let me know I know time is on my side does anyone think I should write a GW letter to Merchant Medical?thank you so muchwant to buy my very own home next year saving now for my down payment and did I say not debit I have paid everyone off took two years yepppie now just these please and getting my fico scores up I do not have a credit card nor do I want one right now just open a loan account against my own money for a secure loan to boost my credit. it will only be for 1 year.I did not want a credit card yet. not ready to get in debit saving for my down payment!