General question to the smart fico'ers

[Anonymous]

My current experience credit score is a 589 I know its awful, I got a credit card with zero balance and its only a 250 limit one of them premier bank deals that give u the card

with 73 dollars on it anyways, I got like 4 collection accounts and that's it I just paid one off and they agreed to put paid in full I know that that's not going to help. I hear so much

about getting a merchandise card I know there is a thread about it on here but do you guy think that would be a good idea to try and get my credit score a little better? My other

credit scores from the other 2 are within a 20-30 point difference. I only got like 2000 in debt that's in collections but it really hard when times are rough and I can't get a job

because of my stupidity of not managing money, a lot of company's check your credit now for a job in a way I don't blame them. Thanks all

[LIGHTNIN]

Welcome to the forums,

Repairing your (CR's)credit reports will help your credit score,then you can

start to rebuild your credit.I would hold off on getting a CC for now.

I would suggest trying to get the collections removed. Send a GW letter for the paid ones, and a 

PFD letter for the unpaid collections. You can find the info about the GW and PFD letters in the 

Freq Req Threads, located in the stickys at the top of this board.

I understand finding a job is hard, but not all request a credit check.I am looking for a job also, but

not worried about the credit check. I worry about it when, i cross that bridge.

Hope you find a job soon.

[Anonymous]

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@Anonymous wrote:

My current experian credit score is a 589 i know its aweful, I got a credit card with zero balance and its only a 250 limit one of them premier bank deals that give u the card with 73 dollars on it anyays, i got like 4 collection accounts and thats it I just paid one off and they agreed to put paid in full i know that thats not gonna help. I hear so much about getting a merchandise card i know there is a thread about it on here but do you guy think that would be a good idea to try and get my credit score a little better? my other credit scores from the other 2 are withing a 20-30 point difference. I only got like 2000 in debt thats in collections but it really hard when times are rough and I can't get a job because of my stupidity of not managing money, a lot of companys check your credit now for a job in a way i don't blame them. thanks all

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You should always repair your current credit before trying to rebuild.

[BungalowMo]

Yes to what everyone else mentioned...but one more thing.  Where did your scores come from?  Experian does not sell us our FICO scores any more, so I'm guessing that one (at least) is a FAKO*

*FAKO is any score that is not a true FICO score.

[Anonymous]

Hum, I know I'm new to this posting but I have been reviewing and watching peoples questions and comments for a while, and thanks for the people that answer. And I'm

proud of you guys keeping the spammers out to! I got my credit report score from free credit report dot com.  I got one account in collections and its from AFNI I just sent them

a DV letter from a old account with Cingular or now the at&t there saying I owe almost 1000 dollars when I only owe around 500 something. They have sent several offers from

9 hundred to 4 hundred to 6 hundred in no particular order I don't hear from them much anymore, and another company I just paid off was Holloway collections about medical

bills there still showing fresh on my account after I paid them off there still saying I owe them money I sent a letter to equifax and trans union last week still trying to hear from

them I sent it by snail mail. If that's a fake fico score then honestly I hate to see my real credit score then I thought it wasn't bad I mean its bad honestly but I have heard of ppl's

in the 3 hundreds. Anyways thanks guys. Also I got a hospital bill from Mississippi that my insurance was suppose to cover but the deductible the bill is almost 600 the guy on

the phone was trying to explain how insurance works and he's in the collection agency I never got a bill from them this is back in 2008 do you think they are trying to pull a swift

one they are medical revenue or something like that from Florida I believe

[LIGHTNIN]

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@Anonymous wrote:

hmm, i know im new to this posting but i have been reviewing and watching peoples questions and comments for a while, and thanks for the people that answer. And i'm proud of you guys keeping the spammers out to! I got my credit report score from free cred!t report dot com.

  I got one account in collections and its from AFNI i just sent them a DV letter from a old account with Cingular or now the at&t there saying I owe almost 1000 dollars when I only owe around 500 something. They have sent several offers from 9 hundred to 4 hundred to 6 hundred in no particular order I don't hear from them much anymore,

and another company I just paid off was holloway collections about medical bills there still showing fresh on my account after I paid them off there still saying I owe them money I sent a letter to equifax and trans union last week still trying to hear from them i sent it by snail mail.

If thats a fake fico score then honestly i hate to see my real credit score then I thought it wasn't bad I mean its bad honestly but I have heard of ppl's in the 3 hundreds. Anyways thanks guys.

Also I got a hospital bill from mississippi that my insurance was suppose to cover but the deductible the bill is almost 600 the guy on the phone was tryn to explain how insurance works and he's in the collection agency I never got a bill from them this is back in 2008 do you think they are trying to pull a swift one they are medical revenue or something like that from florida i beleive

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You can get your Free CR's from annualcreditreport.com....1 every 12mos from each of the CRA's.

.These come directly from the big 3 CRA's and have more information, then the CR's from a third party.

How old is the Cingular account? Are you passed your states SOL?

Holloway collections was just paid.........It takes time for the CRA's to update CR's...It's something like 60days to 90days.

FICO scores you can get them in a very few places.

EX FICO consumers can not buy them seen feb2009, only thru a mortgage loan officer or being a member to a small CU in PA,PSECU.

As for TU FICO you may go to their other web site transunioncs.com (note the -cs at the end of transunion)

TU and EQ FICO are available here.To save a little money myFICO sometimes offers discounts.Google "myfico discount code"

There is one right now for 30% off,go to the front page where you sign in, it's on the right under announcements.

Or on this page, click on FICO Forums under your user name, to get to the 1st page.

The hospital bill....the hospital may have assigned a CA to help with collecting on the debt.

Contact the hospital and insurance company to find out what is going on....but before you do and

you know that you owe the bill..be prepared to make payments or PIF

I hope all this makes sense,because it's before 6am

And a friendly posting hint, to the new people.....When posting, try using spaces...I believe you'll get more replies that way.

Some of us are old and can't see....No wait a minute, some of us are getting older and cant see

[Anonymous]

Thanks Lightnin and others for your replys

You have 4 Account(s) Listed Negative on your Credit Report. This means that at some point you were late or failed to pay on the account as agreed.

Accounts in Collections

You have 1 Account(s) in Collections on your Credit Report. These are included in your total of Accounts Listed Negative

Most Negative Status

The worst payment status ever listed on your Credit Report was Failed to Pay. "this one is a credt card bill that is from 2003

 thats whats on my credit report   I have disputed with a dv with afni and another collection agency   2 accounts that are listed negative should be deleted they are from

holloway   I only got a 250 dollar credit limit on my account, with a zero balance   prob whats makn it worse was i was late several times on a closed car   payement history

thats about to be 2 years closed in july. Prob late atleast 10   times in 4 years. I know gmac is hard to get to take negative information off   your credit report 

I'm suspecting at least 2 negatives to come off report and the afni is prob not gonna come off since they got a repuatation of being hard heads and trying to shim people I

personally know I deserve everything thats on there, but its up to me to make it right or atleast fix it because credit is all we got nowdays. I dont wanna be like other people in

my family that go to these small loan companys and pay back double on what you borrowed and for them you gotta atleast have descent credit lol. Anyone tell me whats the

minimium score for credit card companys to start sending pre approved letters in the mail? I know theres posts on it but a lot has changed with the times I know its a lot

harder to get approved. I don't need one to use just something that is reporting back to 3 cb's.

[Anonymous]

after disputen and sending a letter to equifax they basically told me that a account that was suppose to be deleted to basically not worry about it, its updated and it'll be deleted in 7 years im really pissed off i just throwing my hands up whatever

[mauve]

which account are you talking about

what is the date of first delinquency for the account

what was the reason for your dispute

and making multiple sentences and using spellcheck will greatly improve people's ability to read your post and offer advice.

[Anonymous]

It was a couple of collections that I paid off that they won't take off but guess what.

I sent afni a letter for a 1000 dollar cell phone bill that got deleted off my account!!!! Wow IM so glad I never hired a credit reporting agency even tho my credit score didn't go up

none I'm glad that I have at least made efforts to fix it I would like to tell everyone on here that thanks for your support and your forums you folks are they best!!!!!!