Hello,
I have been reading the posts here and feel that someone can help me. My husband and I are trying to improve our score so we can get a loan for a new house. We think he might be transfered by his employer in the near future. We checked his scores and they are not good. Experian is the highest and 575. There are a couple of culprits. First of course is we got into financial trouble a couple of years ago and had a lot of late payments-30 and 90 days. 2 years ago his truck was repo'd for being late. We paid that off within 3 days and got the vehicle back and now have the title to the car. Then early last year one of the Credit cards loans through a furniture store was tagged as a charge off. My question is since we paid the truck off can we request it to be taken off the credit. It is showing the past due amount. I have the letter saying we paid off the loan. My other question is the furniture store says it is a charge off. However, we have been making monthly payments of up to $300 a month. We had to lower the payment to $75 a month but they automatically take it out of our account. What can we do about that?. We have not been late on any of our bills for a year now but our score it now going anywhere. Please help. Any advice would be greatly appreciated.
Thanks.
Message Edited by scooters96 on
03-25-2008 10:32 AM
