Hi everyone. I learned so much from myfico forms in the past couple months. I recently started to read this post and applying it to my terrible credit. Since i started 4 GW has been sent, crown jewler's account (1500), and a secured CC ($300) I made purchases with both and paid the balance down to a 8% utl. Today i also called a CA and they agreed to delete it if i pay the balance out in full ( This is my only collection that i owe). My next step is to have two small paid collections deleted. I think i can get these deleted cause I personally know the doctors. The problem is that they didn't report it, but an outside CA reported it. If they agree to delete it, do i still have to go after the outside CA. If yes, would it help if the original business agree to delete it?
I believe I'm on the right tract. My goal is to stay consistent with paying bills on time and keeping my utl under 9%. Is there anything else that i can do to improve my score.
5/27/08 Ex: 508 Exp:579 Trans: ??
