So, I've paid up most of my debt and got the fraudulent identity off my report. I only have one small cc with a balance of $240.00 and a new joint auto loan with a balance of 15k that I've never been late on either one. Oh, and I have a collection for $1,000 that I'm paying down $25.00 / week regularly without fail. I'd like to pay more, but right now I can't.
The problem is that a few years back we got into some trouble with a really bad mortgage company (we are in the process of a class action lawsuit) that caused me to have some other lates as well. So, it was a bad time for all! But, on the good side, we are pretty much debt free now, other than the little stuff above.
The problem now is our low score. is there anything we can do to raise our score, other than wait a few more years until all the old stuff drops off? We're talking another 3-4 years! How far back due creditors look? My report states recent late payments, but my last late payment was a couple years ago (except my one collection account).
Message Edited by lagb on
10-22-2007 12:16 PM
