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phoenix_gurl wrote:
Hi there, I am new and have been reading the forums and I am completely at a loss as to where to begin. I am ashamed to say that my scores are 422 or so across the board and I do not know how to use the credit watch features accurately and how to make any of the really old debt go away. I was told to dispute everything on Experian and on Equifax and say it is over 7 years old for some and yet the items keep getting re-reported due to being sold to collections. I want to pay off what I need to increase my scores but I am a single mother of 11 years with one small income and 2 small children. I need real help and honestly if I do not get this credit cleared up by Feb of next year i will have to move my children again as the house I am in now (renting) will be sold. This will be the third time for us that this has happened. I am ashamed that I have not been able to bring my head out of the sand and address these credit issues before - but I was wondering how I could get someone to look at my 2 credit reports I currently have and tell me where to start and what to pay as I only have about 1500.00 to settle with and now I am not sure this will even help. I am so lost and so alone in this that your forum has given me a bit of hope and I need so much guidance. Do you think it is possible to get my score up to mortgage par in less than a year?? Or even close?? I was so naieve to think I could just settle these accounts and get them cleared and move on - it has been a battle of futility since I began in January and the months are spinning by with no progress! Any help would be great! Teresa