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I currently have around a 550 credit score that seems to fluctuate back and forth. I have recently done a couple of things that I was told would help...I have two secure credit cards and also have a loan from my credit union, i alsp pay my student loans. I have about 7 negative marks on my credit and some are as old as 07/08. Is it appropriate to use a credit repair service or is there more steps I can accomplish on my own? I get the run around when trying to make settlements. My husband and I are looking to get a morgage loan sometime this summer and it seems far fetched at the moment. Any help would be appreciated!! I can post my current credit issues on here from the site if needed.
Fst Premie | 9/2007 | $436 | Bad debt/collection | Details | ||
1 Progress | 7/2012 | $0 | Pays account as agreed | No | Details | |
Brazvalsch | XXXXXXXXXXXXX0001 | 10/2012 | $7,500 | Pays account as agreed | No | Details |
Fedloan | XXXXXXXXXXXXX0002 | 9/2011 | $4,716 | Pays account as agreed | No | Details |
Fedloan | XXXXXXXXXXXXX0001 | 9/2011 | $3,474 | Pays account as agreed | No | Details |
Sallie Mae | XXXXXXXXXXXXXXXX0060 | 2/2006 | $2,479 | Pays account as agreed | Details | |
Sallie Mae | XXXXXXXXXXXXXXXX0060 | 2/2006 | $1,391 | Pays account as agreed | Details | |
Lvnvfundg | 8/2008 | $1,027 | 120+ days past due | No | Details | |
Midlandmcm | 9/2009 | $981 | 120+ days past due | No | Details | |
Lvnvfundg | 1/2009 | $529 | 120+ days past due | Details | ||
MacYsdsnb | 9/2007 | $288 | Bad debt/collection | Details | ||
Brazvalsch | XXXXXXXXXXXX0000 | 3/2011 | $0 | Pays account as agreed | No | Details |
Gecrb/Jcp | 9/2007 | $0 | Bad debt/collection | Details | ||
Crdtonebnk | 11/2007 | $0 | Bad debt/collection | Details |
What is your credit card CL ?
1: 1st premier send PFD
2:Macy's send PFD
3:Midland send offer 40-50% PFD
4: 2 LVNV send offer send offer 40-50% PFD
* whoever don't accept PFD ask them to update status paid as agree or Paid in full.
5 baddebt/collection with 0 balance send goodwill 1 letter for every 2 week until you get right people agree to remove it out
1 see you have 1 credit card only. Now it time to get 2 more secured credit card ( 3 credit cards and up will improve max credit score,) with me I like 6 better.
* all collection reporting as open account they are trying to harm your score down by hit into your avabile credit. Your credit profile look like max out.
@guardmama04 wrote:
Company Account number Date opened Balance Status Negative Indicator? [?]
Fst Premie Still have the debt, try for
PFD, or PIF and GW
9/2007 $436 Bad debt/collection Details 1 Progress 7/2012 $0 Pays account as agreed No Details Brazvalsch XXXXXXXXXXXXX0001 10/2012 $7,500 Pays account as agreed No Details Fedloan XXXXXXXXXXXXX0002 9/2011 $4,716 Pays account as agreed No Details Fedloan XXXXXXXXXXXXX0001 9/2011 $3,474 Pays account as agreed No Details Sallie Mae XXXXXXXXXXXXXXXX0060 2/2006 $2,479 Pays account as agreed Details Sallie Mae XXXXXXXXXXXXXXXX0060 2/2006 $1,391 Pays account as agreed Details Lvnvfundg CA, Send DV if the verify
send PFD
8/2008 $1,027 120+ days past due No Details Midlandmcm Same as above 9/2009 $981 120+ days past due No Details Lvnvfundg Same as above 1/2009 $529 120+ days past due Details MacYsdsnb 9/2007 $288 Bad debt/collection Details Brazvalsch XXXXXXXXXXXX0000 3/2011 $0 Pays account as agreed No Details Gecrb/Jcp Send GW 9/2007 $0 Bad debt/collection Details Crdtonebnk Send GW 11/2007 $0 Bad debt/collection Details
Looks like First Premier and Credit one are your OC baddies and Midland and LVNV are your CAs. FYI, Midland and LVNV shouldn't be reporting lates on a monthly basis, I'd check on that.
For CA , they can't not report as open account, I have 2 CA on my credit report. They reported as open account. 1 LVNDV and LHR,
How I handle this?
1 : LVNDV I file complaint to BBB, they said they will remove it out my credit report .
2 LHR I filed complaint to BBB, ( they said blad blad blab. Don't work this way) I file complaint to AG and sent them second letter to acknowledgment this account. Then wait for another week sent them a 3rd letter offer them 40% to remove it out my credit report, a week latter received there responded ,they accepted my agreement to delete it out my credit report. Now I just wait another 30-60 days let see what happening.
Thank you so much for your input, so should I tackle the small items first? I am unsure what CA means? Also is it better to call these companies directly or corespond by mail only? Is the going through a credit repair company even beneficial?
I actually have one FP credit card and once Capital one both secured and limits of 200/300. I also have a personal loan of $7500 I am paying off from my credit union.
Also If i send letters out doesnt this open up the door for this information to stay on my credit report for another 7 years? If they dont agree to settlement and deletion?
@guardmama04 wrote:Also If i send letters out doesnt this open up the door for this information to stay on my credit report for another 7 years? If they dont agree to settlement and deletion?
don't admit the debt, and you are fine. you wont restart any clock unless you start payments.. then i can get iffy if you stop making payments..
-scott
Thank you! I saw you got Lvnv removed from your report, what steps did you take?