Hello,
Here goes, sorry if it gets long. I am currently deciding im going to try and rebuild my credit. I havent always cared about credit. I normally pash cash for things i want. I can just save up and normally pay for my toys. Howver i cant buy a house this way. I work the oil field which has been hit and miss the last 10 years now.
The last 6 months i have been constantly trying to rebuild my credit score. I have been using kreditkarma to monitor my credit score weekly. It helped me a bit. It showed me how having credit cards maxed out wasnt good. I got that bill paid down. Then looking into my credit I have found I have several late payments as in under 30 days late. Most of these are on old closed accounts. 2 on house loans, 3 on harley davidson, a few on credit cards. My bank shows my credit report showing 15 late payments. I have all my accounts in good standing. Most are closed now. even my home loan is closed and paid in full. My harely was paid in full 2 years early. I currently have a credit score of 652. Not bad i was told, but i want it above 700. I am in the process of looking for a house to buy in texas and want the best interest rate I can find. My main question is this. How do I get them to drop these old late payment info off these closed accounts. Its not easy. I even have one that was on there but its not accurate. When I talked with that company earlier, they told me to just dispute and send them an email as well. All I want is them to remove the late payments from my credit report. I have all my other accounts in good standing. I dont have any auto or home loans at the moment. I was told this will hurt my credit score eventually. Im just looking for ways on how to get these companys to drop these reports. I went alomst 5 months without paying on my harley. Then a few months later i paid it off in full. I talked with them and they refused to drop those late payments. the woman told me they had to report accuratly. How can I get these companies to drop these late payments so I can raise my credit score. I have seen about writting them the Goodwill saturation letters but I dont know that much about this stuff. I am trying to learn. Thanks in advance.
