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Gatorbait

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    Florida

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  1. I will definitely come back to the forum. I have learned so much here. I am telling my friends to check out the forum as well.
  2. Thank you so much for ALL the replies. Things are finally looking up. I got a used car that I really LOVE !! Its 5 years old but has low miles. I am really learning about credit by coming to this forum. I have also bought some of the credit repair books that are offered here. Thanks again.
  3. Finance Manager said I have a "thin file" and that's why my score is low. I only have one credit card with a $1000.00 limit. I have only been late one time with payments and I have had the card for about 8 months. The 3 medical collections are the ONLY collections I have.
  4. Thank you for your replies. I am so upset about this. My car died yesterday and the mechanic wants $1400.00 to repair. I went to a dealership last night and they said I would have to raise my score by 48 points to get financing. Everything I have read says even if I paid the collections my score would not go up. No I haven't sent anything to the CA yet. Thanks again.
  5. This site sucks !! No wonder you only have a few visitors a day. Thanks for NOTHING.
  6. Its been about 2 years since I checked my credit reports. I checked Transunion, Equifax, and Experian and was shocked to see 3 medical collections on ALL 3 reports. The 3 collections only add up to $377.00. I called the hospital to find out about these collections. They said they could not discuss this with me because they have been turned over to a collection agency. Do I call the collection agency and pay all 3 collections ? I need to buy another car soon because my car is not running very good. Is there anything I can do to get these removed from my reports ASAP ? Thanks in advance.
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