Hi Im a newbie but over the past few weeks I have been logging on as guest. I need help badly. Before I started reading this forum I tried to start me credit repair myself. I had no clue what I was doing. Here is my reports and what I have done Please someone give me some good advise I am a single mom who is fed up with slum landlords and want to purchase a home soon.
freecreditreport whta i know now as a fako score is 551 credit watch from equifax 479 and transunion from there website is 618.
first premier credit card 250 high balance 444 charged off dofd4/08 dola
first premier credit card 300 high balance 546 charged off dofd 8/08
I recently made a settlement with them through the CA and paid them without a PFD although FP is reporting them.
made an arrangement with a collection agency to pay of an at&t phone 406 did get a pFD but it was verbal, called yesterday to have them send the agreement in writing still have two payments to go.
I have 3 other cc merrick bank, applied bank, lvnv
MB 600 limit high balance 935 unpaid CA tried to settle with me dofd 6/08
AB 500 limit high balance 984 unpaid no contact yet dofd8/08 on (EX,TU only)
LVNV funding is a cc from creditone bank but on all CR is reading as a collections acct, factoring company open acct on all CR a different balance is reporting.
alliance one 123 unpaid telephone bill on EX,TU being reported from CBT CA on EQ
UCB medical bill 95.00 unpaid on EX,TU
CCS collection unpaid insurance only TU 108.00
3paid medical bill (DOFD 8/05 DOLA 5/07) (3/06 DOLA 5/07) (5/06 3/07)
paid sprint cell phone DOFD 4/06 DOLA 3/07
paid tmobile cell phone DOFD 7/07 DOLA 7/07
TWC cable bill paid DOFD 3/05 4/07
online payday loan illegal in ohio but sent to a CA on 3 CR this month no notification to me
BK discharged 2003
judgment satisfied 9/05 verified 07 tried to dispute using a credit repair man
judgment satisfied 8/04 verified 07 credit repair man
please help me im clueless using this forum I have sent out 4 DV this weeks didnt know if this was the right move
