Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 587
Registered: ‎12-18-2013
0 Kudos

best way to get where i want to be

I've got several collections on my cr. I'm wandering if i don't dispute these as being invalid debts but instead offer to pay in full for agreement to delete them from cr if that's a smart thing to do. most of these are small amounts and not mine to begin with, but my wife dont work so i get the debt because i have a job. My score is at 526 according to fico so I'm wandering what the pros and cons are for the action I'm looking to take. I'm wanting to get my score to where i can buy a home. something to leave my kids when I'm gone. I'm 36 now and not getting any younger just like everyone else. i was lucky enough to have a friend cosign for me a small loan to get my credit started in the right direction and I've paid it on time every month. any suggestions would be appreciated.
Valued Contributor
Posts: 3,679
Registered: ‎11-23-2013
0 Kudos

Re: best way to get where i want to be

You said they aren't your debts, and I'm assuming that they were you wife's? Were they put into your name but she was the one making the charges?


Could you offer some clarity? What are the debts for, how old are they, who's name were they in originally?

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.