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niquieg

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Everything posted by niquieg

  1. I've been reading and taken notes, it's been alot of help where i'm stuck at is if I need to address my older accounts that are due to drop off in a few weeks and confused as to if they are even scheduled to be removed:cry:
  2. Thank you i'll attempt a phone call tomorrow about negotiations. I would pay be paying $530 total for the next 5 years
  3. no advice, but good luck on your journey
  4. I have 2 cc accounts that I would like to close due to there annual fees, however they are my longest accounts held and in good standings. They are 2 years old now. Do I risk my score dropping to avoid these annual fees? limits cc 1 $250 cc 2 $300
  5. How do I get my complete account numbers so that I can send my letters? Or do I just include the partial that is on my credit reports?
  6. Trying to buy a house this time next year all 3 scores are in the 600's
  7. Just looking at my Credit report is frustrating me, can someone offer advice on my road to credit repair. I would really appreciate the jump start in the right direction. DISCOVER FIN Account #: 60110102**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 10/01/2000 Reported: 11/01/2002 ASSOC/CITI Account #: 46212030**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 11/29/2000 Reported: 06/23/2004 ASSOC/CITI Account #: 42239801**** Condition: Paid Balance: $0 Type: Credit Card Pay Status: Collection/Chargeoff Opened: 09/24/2000 Reported: 04/15/2004 Collection Accounts: CENTRL FINCL Original Creditor: PARKWAY REGIONAL MEDICAL CTR Account #: 15654**** High Balance: 5486 Date Opened: 03/26/2001 Date Reported: 02/15/2007 Balance: 1603 Condition: 02/15/2007 HOLL CRD Original Creditor: JACKSONVILLE EMS AMBULANCE Account #: 1518**** High Balance: 310 Date Opened: 09/20/2005 Date Reported: 11/16/2005 Balance: 310 CENTRL FINCL Original Creditor: PARKWAY REGIONAL MEDICAL CENTE Account #: 15258**** High Balance: 1656 Date Opened: 02/16/2001 Date Reported: 09/15/2003 Balance: 0
  8. Hi i'm new to this board but very familiar with the site. I have a very frustrating credit question that has been bothering me. My credit report indicates I have 11 installment accounts. How does it affect my credit to request to have those that aren't current removed? They all report in good standings but are basically repeats due to consolidation. I'm only paying on 1 of those accounts. Does it matter if I have them removed? Will it affect my credit negatively or not at all?
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