HELLO EVERYONE I WAS WONDERING IF I COULD GET SOME HELP SEEING THAT IM SO CONFUSED ABOUT THIS THING CALLED CREDIT. I HAVE READ THE CREDIT 101 AND ALSO DOWNLOADED THE FICO BKLET.
HERES WHAT IM TRYING TO DO- GET MY SCORE UP ITS IN THE 600S.
I HAVE 10 INSTALLMENT ACTS ( STUDENT LOANS) AND 3 REVOLVING ACTS.
MY INSTALLMENT ACTS TOTAL AROUND $9600.00. I CONTACTED SALLY MAE AND THEY TOLD ME THAT THEY HAVE SOLD MY ACTS TO ASA ( AMERICAN STUDENT ASSISTANCE.) SO MY QUESTION WOULD BE CAN I GET THE SALLY MAE ACTS TAKEN OFF MY REPORT OR NOT? ITS LISTED AS CHARGED OFF BUT IT WAS TRANSFERED.
I AM PAYING ASA DIRECTLY THROUGHT MY BANKING ACCT. WAY ABOVE THE AMOUNT THERE ASKING.
AS FAR AS THE REVOLVING ACTS THERE TOTAL IS AROUND $1000.00 AND IM WORKING WITH THE COLLECTION AGENCIES TO RESOLVE THESE ISSUES SEEING THAT IN THE NEXT 2 YRS I WANT TO BUY A HOUSE AND I WANT THE BEST RATES. SINCE THERE CHARGE OFFS IS IT STILL GOOD FOR ME TO PAY THEM OFF AND IF SO WHEN THERE PAID OFF HOW CAN I GET IT OFF MY REPORT?
MY REPORT SAYS THAT I HAVE 10 CLOSED ACTS AND 3 OPEN . WHAT DOES THAT MEAN?
I HAVE 2 PAST DUE AND 2 WITH NEGITIVE ACT HISTORY.
ALSO THERE ARE MULTIPLE ENTRIES FROM ONE PLACE, SHOULD THAT BE?
I HAVE ONE CREDIT CARD AND I PAY THAT IN FULL EVERY MTH.
MY HISTORY IS WAS HORRIBLE UP UNTIL ABOUT A YR AGO. AS IVE GOTTEN OLDER I HAVE REALIZED THAT I NEED TO DO BETTER, IM 28 AND DIDNT TAKE CREDIT SERIOUSLY.
PLEASE HELP ME.
AND THANK YOU ALL SO MUCH.
