I've been reading this board for the past month before signing up and trying to follow all your advice, Thanks to all of you !!
Now my problem ... I was in an abusive marriage from age 15 to 38 and I didn't know anything about credit, I've just started learning from my husband now and when I pulled my credit reports I do have medical bills on them and some items I've disbuted as not mine but they keep saying are mine. The medical came from a time I was homeless and hiding from my Ex-Husband. I dont know what to do about them. My TU credit score is 613 I was told by Credit Union.
My husband now had some trouble with his Ex-Wife and he has Repo's on his CR that are from almost 7 years ago, we tried to get a CC from our Credit Union but they say the info that we were giving about the falling off next year is wrong, they will not fall off his CR till paid, one is a mobile home loan that he wasn't notified was in reposession the other was their truck. He was hardly home due to working but on seperation he contacted Conseco and told them he moved out and how to get ahold of him, they never did now GreenTree and Conseco report on all three CRA for the same item. Our reports show they fall in in 3/08 and 7/08. Is this not true ? Can they relist all this on him again for 7 years? Credit Union says his score at TU is 605.
We have a pickup we financed at a high interest to to get me some credit but we get denied on CC's we apply for and dont want to apply for more in case it hurts us more.
Any suggestions I've read all Frequently Requested Threads. and how things stay and fall but i'm not sure why our credit union says it wont fall off