10-09-2012 04:05 PM
so we are wanting to buy a house but need to fix my credit so here are my debts. Any advice on where to start?!!? I just feel completely worthless right now.
LVNV FUNDING, LLC
940 total owed.
Status Details: This account is scheduled to continue on record until May 2014.
FIRST PREMIER BANK
Status Details: This account is scheduled to continue on record until Jun 2014.
CONTINENTAL FINANCE/1ST BANK DE
High balance 1539. Credit limit original 300
Status: Transferred,closed. $539 written off.
Sprint 92 dollars (will be paying that asap)
CREDIT ONE BANK
10-09-2012 04:55 PM
Hi - I am new at this too, but please don't feel "worthless"!!!! I am a very emotional person and I can tell you that the best way to begin is to realize that you want to help yourself - that's why you're here; you want to deal with these bills and that is very good!!!! Just try to set aside the negative emotions and thoughts. I have been mostly lurking here for 4-5 weeks and based on advice here and just educating myself, I have raised my EQ score by 20 pts and my TU score by 10 pts. You can search PFD and read about it. I have had some luck just calling CAs to ask for PFD but I have also written letters, both hard copy via CMRRR and email. More experienced people will be able to give you some good advice.
10-09-2012 05:16 PM
I duno I just look at it and go "what the heck do I do". I mean compared to alot of people its not much but I just cant figure out how these people get 50k in debt and I can barely get a credit card