Re: Need help getting credit from 400 range to 580! Out of ideas!
09-23-2012 07:39 AM
I have not looked into HIPAA process at all, thanks for the advice. It would be awesome if it works, cause all the collections accounts are from ONE creditor and ONE bill. However, the CA seperated EACH line of the bill, and reported EACH line as a seperate account. I called them on it, as well as the original creditor, and both of them said they have the liberty to do that. I don't agree, and maybe this HIPAA process will help me with that. Thanks again!
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s
Take the FICO Fitness Challenge