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About Andrew@NMCC

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  1. If I were you I would not have tried to shy away from the obvious. It is only 6 months and that's why the collection agency is not going harsh. But that desn'y mean it will not hurt. However, try to build on new good score so that with passage of time the negativity of the bad credit report inclusion will become less important.
  2. I agree with Firsthardcheese. However, did you follow the standard dispute letter? Asking out of curiosity.
  3. Are you talking about increasing creditline? If yes, each request of credit line from renowned CC companies will see hard pull, which adversely affects your score.