Huge ordeal

[janie1234]

Also, are these charge offs paid in full?  If so I can share a few techniques as to how I've gotten mine removed in the past.

Any revolving CC's in good standing?  If not, have you considered a secured card to help build your report & score to show that you're now more responsible and can be trusted?

Thanks for your interest "theclub" The one charge off i have is merrick bank and it was charged off in May of 2010, it is beyond my states' SOL (louisiana) and i know Merrick will not PFD or remove it so unless i have to settle with them they give me no reason to try.  The other 4 i think are medical collections each one less than 150$ 2 fall off o by the end of the year and 2 in 2015, those were from my ex and the step kids doctor bills I never recieved bills but the collection agency linked me to them bc i married their dad.  I am about to send out a dispute on the DOLA for them bc I want to know when they really charged off. Those are all beyond our SOL in Louisiana as well. I have a few new tradelines that were opened in the last 2 years all paid on time and never late.  I just do not have a long AAOA so i think that hurts, plus all those credit pulls when i was car shopping. I swear the dealership pulled everybody under the sun.   I am always up for any tips or ideas that will improve my score, so if you have any please share them with me. 

[missjae]

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@janie1234 wrote:

In the past 10 years I went through a messy divorce which forced me to file bankruptcy, and then as a single mom I struggled to make ends meet and get by. I have to say I am super excited b/c for the first time in 10 years when i pulled my experian my fico score i got a message that said "YOUR FICO SCORE IS GOOD" 661.  I know that this is still low for most people on the board but for me it signals as turn of events in my life, it shows hard work is finally starting to pay off and one day very soon I will be able to claim i have great credit.  My scores are MY fico ex. 661 / MyFico equifax 605 / Myfico walmart  648 (646 here).  It also means my mid score is finally in a range that i can begin to think about home ownership.  All i have left to clear off my accounts is 4 med. charge offs (past SOL) and 1 big stinkin Merrick Bank charge off from 2010 that I will settle if when i buy a home they make me.  I know there is no chance i can get them to remove it so now i will have to wait and see.  I just wanted to say that while it took a lot longer than some b/c of bumps along the way I finally see a light at the end of the bad credit tunnel!!!! 

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Congratulations!  I was once in a similar situation.  It's totally refreshing to see things looking up.  I always see people with higher scores, but the struggle was mine and getting through it means everything.  In time, your scores will rise more.....this is awesome news!  Great job and way to go

[GFer]

Let 'em fall off, as old as they are. The time will fly by and your score will soar! I went through the same thing. I prioritized mine and paid accordingly. I also took mutilple inquires by opening new accounts that have been in good standing for 6+ years. I learned on here to outweight the bad with the good. It worked!

[mountainmom]

I bought a house 2 years ago and did not have to pay chargeoffs. Don't pay unless your loan officer tells you too.

Once I hit around 650 my score has been rising quickly. I'm now over 700 on two reports. I'll probably take a little dive because I just went on an app spree last week but I hope to rebound and go even higher.

[audia4]

Congrats. I too had a messy divorce to deal with and my scores suffered bad. I have spent the last 10 years rebuilding and after the last one fell off, my scores shot up over 800. It's definitely a waiting game and when that day arrives....ahhhh.

Keep up the great job!

[myjourney]

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@janie1234 wrote:

In the past 10 years I went through a messy divorce which forced me to file bankruptcy, and then as a single mom I struggled to make ends meet and get by. I have to say I am super excited b/c for the first time in 10 years when i pulled my experian my fico score i got a message that said "YOUR FICO SCORE IS GOOD" 661.  I know that this is still low for most people on the board but for me it signals as turn of events in my life, it shows hard work is finally starting to pay off and one day very soon I will be able to claim i have great credit.  My scores are MY fico ex. 661 / MyFico equifax 605 / Myfico walmart  648 (646 here).  It also means my mid score is finally in a range that i can begin to think about home ownership.  All i have left to clear off my accounts is 4 med. charge offs (past SOL) and 1 big stinkin Merrick Bank charge off from 2010 that I will settle if when i buy a home they make me.  I know there is no chance i can get them to remove it so now i will have to wait and see.  I just wanted to say that while it took a lot longer than some b/c of bumps along the way I finally see a light at the end of the bad credit tunnel!!!! 

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You have the support of an entire community WTG

[lithium78]

Congratulations!  Hard work really does pay off when it comes to your credit.  I recently was able to buy a great house with a low interest rate because I was able to clean up my credit over the past few years using advice from this forum.  It will all work out in the end.

I would try a PFD with Merrick Bank, since I'm not sure if they would remove the baddie otherwise.  You could also try to GW any paid baddies, which took years off my rebuilding.  Sometimes, it takes a little persistence, but you are often get baddies removed if you try.

[janie1234]

Quick update the same day that my score increased on experian i sent an online (yes i know) dispute to Transunion regarding the old medical collections, today i got the results and all but 1 were deleted. So now my TU score is 663 and i have 1 charge off (merrick) and 1 collection. Big change from last post. +15 points.  in a week. Happy to report my midscore (for house shopping) is a 661. Hooray for progress!

Myfico EX: 661/ Myficoequifax: 608 / Myfico TU 663