General Credit Topics

[kei31982]

Hello everyone. I am a newbie to this site but I have been working on credit for over a year now and honestly I feel I haven't gone anywhere with it. I have read alot of the postings on here and I will try some of the things posted. If anyone can give me any other advice, it will be greatly appreciated.

[John060675]

What is your situation?  Scores?  Baddies?  Please give a background, so we can try to help.

[HappyDays]

welcome, links to some info. that might help you. Ask as many questions as you need!

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=38534

CTRP and SOL

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=17466

state SOL

http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8

updated SOL

http://www.fair-debt-collection.com/SOL-by-State.html#7

[kei31982]

Well my situation is that I have paid off alot of things on my CR that I knew I had to but they remained on the report just reflected as paid. I was reading on here about trying to send out a GW letter. Would that be the best way to go?

[HappyDays]

yes,anythig that you paid!!!!!

[netpanther]

GW everything. If they refuse, send it again. then again, then again.

[kei31982]

I think whats killing me the most is the collection items for some payday loans me and my fiance did. We were going through some rough times and took out a couple of those and they are reported to a collection agency that we are paying on a monthly basis but it has not been updating that we are paying on them or taking the balance down. Any suggestions?

[HappyDays]

dispute them as inaccurate  with all CRAs that are reporting.