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Thanks for the advice! My husbands collections are for a payday loan he took out but was unable to finish paying back when he lost his job a couple of years ago. The amount they are asking for is far higher than the origional amount of money.
My charged off credit card is with US Bank, it is slowing as closed and charged off- they are reporting each month but only to equifax.
Does my car note count as an installment loan? I do not recall if I mentioned my car under my information. I've never been late on a car payment but I've also only had this vehicle for a year.
How long did it take for your scores to take a leap for the better? I know this is a marathon process and not a sprint but I am curious.
@Anonymous wrote:Thanks for the advice! My husbands collections are for a payday loan he took out but was unable to finish paying back when he lost his job a couple of years ago. The amount they are asking for is far higher than the origional amount of money.
My charged off credit card is with US Bank, it is slowing as closed and charged off- they are reporting each month but only to equifax.
Does my car note count as an installment loan? I do not recall if I mentioned my car under my information. I've never been late on a car payment but I've also only had this vehicle for a year.
How long did it take for your scores to take a leap for the better? I know this is a marathon process and not a sprint but I am curious.
on the payday loan, if you can't pay for the whole amount, settle for less to make it stop update reporting. If you can pay it, see if the CA is willing to PFD.
The charge off with US Bank see if they can do a PFD.
There was a collection for $1?
Your car loan does count for an installment loan, you didn't mention it previously.
How long and how? I saw my initial CR September 2015 and freaked out. Opened my first secured credit card with Capital one for $1K. Did a lot of PFD. Opened one CFPB. Had to go physically pay some collections in person. Begged and bartered. Had to have proof that things were not supposed to be on my CR and had to annoy and twist arms enough to get people to do someting I needed done to fix my credit stuff. I had one collection agency take 6 months to have the item removed. It's just work. I've been in the 670+ range since september. I'm in the 680's now.