Re: Need help getting credit from 400 range to 580! Out of ideas!
09-23-2012 07:23 AM
Medical collections: google "hipaa process" and follow the instructions to a T. a TEE. Getting those off will help tremendously.
GW, GW, GW the rest. Relentlessly. Remind them that you paid your obligation. Admit you made a mistake (but avoid the whole explanation thing, they really don't care)
Do not throw your money away to let someone else do it for you. You care about your credit more than anyone else ever could, so will be more passionate about the process. Yes, it can be frustrating, but very rewarding when you look at the numbers and say, "I did that".
Starting Score: 7/12 545 EX (PSECU)
Current Score: 677 EX (PSECU) / EQ 697 / TU 661
Goal Score: 750
Take the FICO Fitness Challenge