Help Question!!

[Anonymous]

I have just started to take my credit seriously and vow to get all 3 up past 600. I have a few questions I hope the great people on this website can answer...I have 4 derogatory items falling off my credit in January will that make my score go up? and I have just seen that the my student loans have dinged my credit 8 times in a wk and a half for 2 balances. first 60 then 90 then 120 and 150 what can i do to have some of this removed? I thought I was still set up on automatic payments but my husband handles the money and didnt notice it wasnt coming out. What do I do now b/c it just totally sank my credit again!

Help!!!

[Anonymous]

First thing - Get the loan current- ASAP.

Print out a copy of the EFT form, very all of the info.
Check the lender website to make sure everything looks in order.

Then call them and find out why they stopped the EFT?

Have all the paperwork in order BEFORE you call.

Message Edited by Timothy on 10-10-2007 07:00 AM

[Anonymous]

Once you get the loan current which is 100 perc. your highest priority- the things that are going to drop off exactly when and what date are they sched to drop.

Please post whole history lates baddies and everything so others can see entire profile.

Yes, yes, get loan current today!!! Never ever let it slip again.  Student loan default is terrible to try to get rid of and can haunt you for a very, very long time.

[Anonymous]

sorry i am new to this absolutely wonderful, awesome site...the four baddies that are set to drop in Jan 08 no specific date given. they are all unpaid collections and 2 old unpaid cc. I have 12 others that are farther out in 08 sch to drop in all. I have a cpl that are sch to drop off after that and just sent out pfd's to half of those today in an effort to boost my score. i have 4 credit cards all of the starter ones which i normally pif monthly although the last 2 months i have not been able to do that due to a job change. my DH and I recently tried to get auto financing without a cosigner since he is what they refer to as a ghost and the best rate we could get was 22.99% and we walked away. Since all his autoloans were thru a small town bank that listed them as farm loans and only report to 1 of the 3 CRA's. Our mortgage is thru them also, and we went thru a bad streak 2 years ago and got behind on it 4 months but paid it off and today i sent them a GW letter asking if they will take them off and report all his loan info to the other 2 CRA's...will see what they say.

[Anonymous]

all right loan is now current and up to date! they said that they cant and dont do goodwill adjustments but will report as paying as agreed at the end of the month. said that they report every 30 days and it was the CRA that held them till last wk and then displayed them all at once. Does this sound right???

1 thing down and 999,999 to go!! But I will get there!!!!

650 here I come

currently (2 wks ago) my scores are eq 554  ex 573  tu 534