HELP

Anonymous — Tue, 31 Jul 2007 17:16:52 GMT

have just learned about this FORUM and so glad that I stumbled upon it. I am a single mother who is trying to eventually (hopefully sooner then later) get into my FIRST home. I am trying to understand how to get myself out of this hole that I have dug and seems like I continue to keep digging. My credit score, last time I checked, was roughly an embarrassing 532. Honestly, probably very deserving, I was not taught about finances nor about FICO scores, crediting rating, etc. Now I am paying for it. Enough complaining . . . now I want to do something about it. I have some questions. Most of my information is OLD, except for a recent hospital lien that was placed on my report in 2007. I received that because it was either pay the hospital bill or pay the balance due on my college account so that I could gradute and at 41 years . . . I opted to get my degree (finally). So, even though the lady agreed to a payment plan the next thing I know she had sold my account and I was being garnished. I need to know should I be paying off these OLD debts . . . how does paying my utilities, car insurance, etc. effect my report. I have recently acquired two secured credit cards . . . how does that affect my credit score? I know that I am asking a lot of question, but as much information as you can provide would be appreciate. My goal is to have a 700 or better score in 12 - 18 months so that I can relocate and hopefully relocate into my first home. Thanks to all that read this and respond.

Re: HELP

Tuscani — Tue, 31 Jul 2007 17:18:39 GMT

Welcome.. Please read the Scoring 101 thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

Re: HELP

Anonymous — Tue, 31 Jul 2007 18:42:21 GMT

Will print out and read tonight . . . Thx

topic Re: HELP in Understanding FICO® Scoring

HELP

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