Hi Barry - Thanks for your response! I have to tell you t...
03-20-2007 03:11 PM
Hi Barry - Thanks for your response! I have to tell you that buying this kit was one of the best things I've done in my life. I've lived in fear since my divorce of looking at my credit score, certain it was trashed. And when I would break down and apply for this or that, I'd be denied and just accepted it. I had no idea that there were collections on there that do not belong to me. It took a lot of courage for me to really look at it, but having the tools right there made me feel not quite so impotent. I will absolutley leave the cards as is. The two remaining open charge accounts are now down significantly and we'll continue to pay those off regularly. It totals $700, so that is not bad! The most recent collection on the account is only one year old. I'm sure it's impacting in some pretty serious way. I have tracked out the "late payments" on my credit cards and am backtracking to see when payments were actually posted. I have one that is 60 days, and I find that hard to believe. I guess I can dispute it if I find that it was not in fact that late. On a very hopeful note, we did get a pre approval on a mortgage and have put an offer on a house we love. I'm hoping the offer is accepted and that I can get a new loan offer at a much lower rate once these things have been straightened out. It's not so scary afterall! Thanks again Barry!