Start Where?

[Anonymous]

Where do I start? I don't have any active credit cards only charge-offs and slow pays. The kicker is that I recently found out that I have a repo on my credit report. I was a co-signer (not smart) on a loan that was not paid. Now, I need a car and NO ONE will say yes.

[Anonymous]

wow expecting! What a nightmare.

Perhaps a secured credit card? Even a 'starter' card like: Orchard, HSBC, First Premier.

I'm sure more experienced people here will give you some good advice/opinions as well.

Good luck

[Anonymous]

start here

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

Know your SOL

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

more detail

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

dates are very importent...it tells us where you are as far as SOL and CRTP.

Things to remember....never talk to a CA on the phone!  when making any kind of arrangments even if a PIF or payments of any kind  everything in writting!!!!

Message Edited by HappyDays on 10-09-2007 12:20 PM

[Anonymous]

UGH! I was there a year ago, I didn't have a repo but my scores were 400's so it took forever for me to get a car loan and when I did the rate was and still is 24%!!!  What state do you live in?