Just hired Credit repair service $500 for 6months.
Goal to have a fico of 620 to purchase new house construction loan.
He seems good
Starting Score (7/18/17):EQ 563 TU 572 EX 554 fico 524
Starting Score (7/31/17): EQ 600 TU 591 EX 585 fico?
Keep this in mine. I am low income. Investments will be good in 2018
7 things got deleted within 2 weeks.
I have a couple of questions regarding things on my credit.
1:
When I went to court, they made me pay child support etc. They sent the payment arrangements to me in the mail after 5 weeks.
Problem: They marked the first as 30 days late but I did not receive it until after 5 weeks after court. I only had 4 months of child support before it was reduced to $0 a month. The account is open and $0 balance good standing every month other than the first month for 4 years even after there has been no child support.
I would like to remove the 30days late what do I do.
2:
I lost my job on Oct 2013. Moved from California to Oregon from Oct 2013 to May 2014
My ex used my old medical card to get services for our son in common and changed the address to hers. Which my ex address is on my credit report too which I do not understand.
3:
My credit repair told me to get a capital one secured card for $300, which is all I can afford right now. Discovered IT denied me. I see many people saying 3 cards or 3 sources. Do I need to get more cards? What else do you people recommend to boost my score?
4:
In addition, there is a state tax lien still on my credit thought it was being removed July 2017
5:
My friend put me as an AU on one of her credit cards. She has never been late for 12 years. How long does it take to report on my credit? Should I see any bump in score? $2000 balance with $15,000 limit.
Thank you
