I am new here. I have been reading these forums for days now and just now decided to write. I have so many questions that i do not know where to start or how to solve them.
I dont have good credit right now due to stupidity!!
I have pulled my credit report from all three bureaus and cryied because of emberessment. (still waiting on them, i requested hard copy by mail.)
I did pull a report by equifax that claims to tell me my credit score for all three bureaus.
Background: I was in a car accident in may 2009. I ended up seeing many doctors and had surgery. I hired an atty to help because of all the medical i was faced
with. We settled out of court. Atty tried to pay the medical bills and 3 companies would not answer back. One company filed a judgment against me. I answered and took full responsibility for the debt. I paid the debt in full. The agency then filed me again in court saying I did not pay the interest. I filed the answer stating I did and had proof. The consent never had any dollar amount in the interest section of the consent that we all signed. In the end the judge gave me a dismissal of default on consent.
First question: Can I have that removed? If so , how?
Is it worth it to dispute the other medical bills? (they were reported in 2010)
Also is there any advice on what not to do while building my credit? ( I would love to see my credit scores get above 750)
I am in the process of cleaning up my credit. About a year ago I obtained a Cap One secured card for $250. I have always paid it on time. I am also paying down the balance as we speak. I have currently gotten an Old Navy card $400 (11/13) , American Eagle card $300 (11/13). Amazon store $800 (12/13). and Care Credit $500. (10/13).
The only cards with a balance are Cap One($185.) and Old Navy ($49.)
