Hello, I have never really cared about credit but have decided its time to fix mine. I would like to eventually own another house and buy a nice newer car. My credit score is currently 599 according to Experian. I had a foreclosure around a year ago and I had 2 collections on there when I pulled it. One collection was an old utility bill i had no idea about and the other was a student loan. I paid the 308 i owed on the utility bill and set up 150 dollar a month payments on the student loan. The student loan should be paid off in around 6 months. I also recently opened a secure credit card from my Credit union that showed up as positive on the report. My other 4 student loans are current and the only reason the 5th one was not was because I didn't know it was out there. I thought it was lumped in with the other 4.
After reading here it sounds like i should have tried to have the Utility collections removed before i paid it. Is there a way to get it removed after i paid it? It is through West asset management.
What should i do about the Student loan? It is currently under Enterprise Recovery System and has an outstanding balance of around 1100. If i offered to pay it all at once would they wipe it off my report?
Thanks in advance for the help
