Getting started.

[Anonymous]

Hello everyone I am new here but not new to trying to fix my credit. I had an accident which caused a bunch of bills to get behind and now 6 years later this is still haunting me as I try to buy a house. I have managed to pay off most of my major debts, but I have a few minor ones that reported just a month ago, so it tanked my score. Now I am just trying to figure out the best approach to get my score to jump back up. One is from a utility company, the other is in the process of being removed. 

[Anonymous]

If you could give us a bit more info we will be able to assist you better. Such as account status...balance...charge offs. Sent to collection and so forth. If you are comfortable. And welcome.

[Anonymous]

DTE Energy -Charge off

Balance: $413 

reported 02-2014 Delinquent 9-2008

Old utilities bill, I thought I paid it off when I moved.

Convergent Outsourcing-Collections

Balance: $707

reported 1-2014 

T-mobile, original debt not showing on report, so may be past 7 years. Charged cancellation fees because I never had service. 

[gdale6]

Call DTE and pay it directly after they agree to remove it from your reports. DV the other one and see what happens. I suggest you run a mortgage app well in advance of the real one to bring out the scumbags that will be waiting in the wings, you need to deal with them before the real mortgage app as they most assuredly will show up a week or so prior to closing knowing full well you will have no choice but to PIF.

[Anonymous]

Yea I already had my mortgage guy run an app, he told me I need to get my score up to 640. I'll give DTE a call and see if they will delete it and go from there. I also dropped my CC utilization down to around 20%. 

[NewYxox]

You shouldnt have any problems with DTE, I paid my balance off in full this morning from 2011, it was reporting on all 3 reports and the lady said call them back in two business days when the payment posts and they will delete it from the credit reports!

[Anonymous]

Cool, I plan on calling them tomorrow to see what they will do, now I have some hope!

[Anonymous]

Gave DTE a call today and they said they will delete it, Just gotta call back in a couple days.