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Greetings Fellow Members,
I'm a newbie and have much to learn, in regards to maintaining a healthy balance between money and credit worthiness. Thus, I have lots of reading to do as I'm unsure of how this Fico scoring works! If my signature appears below, it's the current status of my credit score. I hope to join the Fitness Challenge in January of 2014! I should be ready for the fitness challenge, as I'll spend this time learning, learning and learning.
If you have any suggestions for this newbie, please let me know!
Best-
tippy
Welcome to the forums.
The best advice I can give you is to get your free reports from annualcreditreport.com. They are the most accurate and detailed.
And to read as much as you can on this site. Any questions, feel free to ask.
Welcome aboard. Good luck on the journey!
I have a few charge offs. :-( Confused. Should I pay those off or not?
Thank you creditscoreEE, bobbay and guiness56 for the warmest of welcomes!
Here is my copy and paste:
12/2008 | $417 | Bad debt/collection | ||||
8/2008 | $338 | Bad debt/collection | ||||
12/2009 | $100 | Bad debt/collection | ||||
6/2013 | $81 | Pays account as agreed | No | |||
9/2009 | $1,220 | 120+ days past due | ||||
9/2009 | $1,195 | 120+ days past due | ||||
4/2010 | $652 | 120+ days past due | ||||
12/2012 | $0 | Pays account as agreed | No |
@tippysweet wrote:Thank you creditscoreEE, bobbay and guiness56 for the warmest of welcomes!
Here is my copy and paste:
12/2008 $417 Bad debt/collection 8/2008 $338 Bad debt/collection 12/2009 $100 Bad debt/collection 6/2013 $81 Pays account as agreed No 9/2009 $1,220 120+ days past due 9/2009 $1,195 120+ days past due 4/2010 $652 120+ days past due 12/2012 $0 Pays account as agreed No
We really need to know who is reporting on these debts. If it is a CA, when was the last time they updated? You don't want to do anything that will further damage your score.