10-11-2012 08:22 PM
About a year ago I discovered this site and for the first time in my life(at the young age of 37) I began to work on repairing and rebuilding my credit that I had neglected forever. I've made progress this year, little by little. Paid off a state tax lien, got 2 credit cards(1 secured) and thought that although I've only moved up to the lower-mid 600's that I was making a difference. Now I just discovered that I had an account(old $95 cable bill) go into collections and sabotage all the work I've done. I'm so angry with myself right now. This feels like the lowest point I've been at since I started. I just have no clue where to go from here.
10-11-2012 10:36 PM
Don't get discouraged, get motivated. Get this off your CR. Send them a PFD, you say it's old, how old is it? Is it past the SOL of your state? You can use that in your PFD if it is.
10-12-2012 10:19 AM
Don't get discouraged. I would give my eyeball for a 632, and I've been rebuilding since February. You cam come back from this...because 37 is still pretty young. (That's my age too, and I refuse to think we are all that old. Life begins at 40, yanno? )
04-04-2013 09:09 PM
I posted this back in Oct and since then there has been good things happen to me AND my credit report. Back in January, I found a cable receipt for what? $95. The same $95 that was now terrorizing my credit reports. I quickly disputed the collection and sent copies of the receipt to the big 3. TransUnion and Equifax both removed the collection in a matter of weeks, although Experian is hanging onto it to this very day. Sigh.
The point of all this is that there are times during the credit rebuilding process, or life in general, that we get so discouraged and frustrated that we want to quit and throw in the towel, but that is when we need to dig a little deeper and find that extra we need to keep going.
My scores are still aways off from even being in the 700's and I know there are still frustrations I'm gonna deal with along the way, but that's ok. I won't give up.
04-04-2013 09:33 PM
Never give up!!! Any time you need advise or help with something, you can PM me anytime!!!! Credit rebuilding can be a long process!!!!! I started with a Fico score of 495. I found this site started to ask questions got myself a consumer attorney for the harder TL's to deal with and I can happily say I'm over the 700 mark for the first time in a long time!!!
04-05-2013 02:30 AM
Never give up, you are doing a great job. I have been with this wonderful group for almost 2 years, its slow going, but steadily my scores are improving. Its 2 steps forward and 1 back as they say. Best wishes to you!
04-05-2013 04:59 AM
Just curious, why not sent a copy of the reciept to the CA in addition to all 3 or even contact the OC with copy of reciept and get it off your last report.
04-05-2013 05:17 AM
Don't get discouraged. At least it isn't for a large amount of money.
04-05-2013 05:32 AM
For the record I'm not discouraged at all right now. I was simply updating my post from 6 months ago to show how much can change in that time span. I actually went on a small app spree this week and gained 3 new cards(Walmart $400,Old Navy $400, and SC Telco FCU Visa $1000).
I just see some posters that are just starting their journey and I kinda wanted to show that it's OK to have set backs as long as you never stop moving forward.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.