01-04-2013 08:31 PM - edited 01-04-2013 08:32 PM
In my experience your scores will not improve until you start addressing those negative items. My advice would be to check out the rebuilding forum
You will find a wealth of information here! I am going to suggest that you start the journey by reading the following threads:
That will give you a great place to start! Also you want to opt out first before contacting these creditors... to opt out go to: www.optoutprescreen.com
The next advice I can give is to contact and deal with each creditor one by one. Best of luck and if you use the search function to search for each of your creditors yoi can see how others have dealt with them successfully in the past. A lot of members have had.much success with simple goodwill requests to remove a few late payments... especially if your overall payment history was good. Best of luck!
01-04-2013 08:35 PM
01-04-2013 08:36 PM
i have already contacted sallie may and the Dept. of Edu. they have strict policies and refuse to budge. those are dead ends that i have to live with.
the other ones, i am in the process of working out. hopefully i can get them removed.
thank you very much for your advice.
01-04-2013 08:38 PM
01-04-2013 11:20 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.