Ok, first of all, I had a store and shut it down. I owed the bank $63.00 and $43.00 that was back in 2000. Reported in 2004. I have paid those off 2 years ago. It took me twice calling the bank for them to update to Now, it still says I owe 43.00, Derogatory shows on my Experian. I disputed it with CSC, but do I call the bank tomorrow again?
Next I have a balance for some medical from a minor accident from my daughter.
Tx Trauma $115.00
Med. Trauma 172.00
Me (Medical Clinic) 70.00
Dr. (70.00)
These all show up 2005-2006. as low as these are, do I just pay them, or do I PFD.
Then, when I owned my shop I had a credit card machine. Balance $1400.00
It DOESN"T show up on my credit report anymore. It has fallen off. BUT, the other
day this man calls me and will settle with me for $700.00. He called again today.
I just said to him, I will only correspond through the mail and I took his name, address and
my account number that was all. If it has fallen off of my credit report (But in July he did 2 inquiries from two different CRA's) can it show back up on my credit report or is that off for good. I'm afraid now that's going to come back on there.
And why do dates 2 years ago say Reported date 2003, and today it says Reported date 2005. Can the CA's do that? Or can
So many questions...I am disappointed though. I paid a balance up to date of $2455 which should
be like 2100.00 now. They reported in July but the balance still says $2455. Do I call them and ask them to update to the CRA.
I have made my mistakes from my credit and realize now being 40 with a credit score lowest of anyone elses on this forum of 432 want to get things cleared up. There is a $12,000 balance on a loan from the bank with my mom and dad on it. This in the last 10 years has only been late 1 time. It will be paid off lump sum within a month. I wonder if my score will jump up greatly on that. Probably not. I have 30,000 in student loans that are being consolidated right now. They all say current without any negativity on them at all. I just want to wake up one morning and have at least a score of what I had last year which was 560. That would be better than now.
I really think that the government should come up with something where all the credit scores show up with the same number. But then, they wouldn't make as much money seeing us pay for all the different reports.......
