08-06-2008 01:01 PM
08-06-2008 01:33 PM
solavi3 wrote:Hi All,I've been reading all the boards for a while and at first I was overwhelmed with the diligence required to rebuild your credit - kudos to all of you who have done it!!. It is because of you that I finally have the guts to tackle this project myself after many years of paying so-called repair companies only to accomplish next to nothing. My DH and I want to purchase our first home by Feb next year and really need to work hard on the negatives on our reports. My scores are in the low 600's and his are slightly lower.I have read through credit 101 and other posts and I think i have my stuff in order to begin my rebuild process but I have a few questions if anyone can help i would appreciate it very much!I have reviewed my and DH credit report and everything seems to be reporting accurately, negatively but accurate. I have many collections from 2002-2004 that I will now attempt to PFD. I was wondering if anyone has had any experience with Asset Acceptance, Progressive Management and Arrow Services in deleting collections for payment? Also, is PFD the first step I should take in making contact with the CA's?Any help is greatly appreciated!!
08-06-2008 02:53 PM
08-06-2008 03:36 PM
08-06-2008 03:53 PM
solavi3 wrote:can I use a DV only in response to a CA's letter?What if I didn't receive a letter and I want to verify based on what i see on my credit report can I still send them a DV letter as a 1st step?Thanks!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.