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About newearth78

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    New Jersey
  1. EDITED - because I found out a lot of information on my own. The only thing left then is I need help getting a lot of lates removed. Do I dispute them with the CRA's first, or send Goodwill letters first? Hi everyone. I have built, ruined, rebuilt, and ruined my credit....I am once again, and hopefully for the last time, growing the hell up and doing it right so I can buy a house next year. I have already paid down my few current credit cards, and just completed a credit counseling repayment plan. My FICO scores have gone up about 20-30 points on each report so far in the last few weeks.