@Anonymous wrote:
so I am trying my best to improve my credit. I have cap 1 secure card at 200 Quicksilver at 300 care credit 800 and vs 350.
I have 3 judgements paid in full. When do the judgements fall off? Can any be vacated? THE OLDEST ONE IS 2010 NEWEST IS 2013 ALL FULLY PAID. WHAT IS VACATED AND HOW DO I DO THIS?
I have medical collections paid in full. Work on GWs to delete the paind collections HOW DO I DO THESE AND WHERE DO I SEND THESE?
Verizon through collection company on dispute never had verizon, Keep disputing with CRAs or eventually CFPB.. I HAVE DISPUTED AT LEAST 3 TIMES
car paid in time
old loans/ car closed paid in full but latest from 4 years ago
and WAY too many inquiries. Don't apply for any more credit. Garden with the cards you have and try to add additional deposits to your secure cards.
I'm a single mom doing the best I can that messed up credit at 18 (now 26) I need to get my credit better so i can work on improving my life..new home ect.
currently at 590 595 605.
help!
1) Vacating judgements varies from state to state. Some states allow a judgement to be vacated when paid. Many do not. You need to research the laws of your state.
2) GW's are sent to whoever is reporting the item you want removed.
3) Continued disputes are NOT going to work. You need to report this as ID theft. This requires reporting it to police, and sending the report to the CRA's. This does not require any proof on your part, only the sworn statement (affidavit) to police.
4) Continue to build your current credit lines by periodically requesting Credit Line increases.
