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DEBTGIRL

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  1. Thank you, it's listed on my credit report as " Settled for less than owed" Paid. I think i'm going to try a contract for deed for a while. I just about got all of my credit paid off. i think i will wait and give it time.
  2. but lets say you are trying to buy a house, don't you ned to have all your debts paid. when i bought my house they wanted everything paid and letters from the creditors stating it was paid. My scores are already low so me paying mine off shouldn't hurt any more than they already are, should actually help them i would think...can i get more feed back on this.
  3. Thank You, That Should Really Help A Person's Credit Score
  4. cAN SOMEONE EXPLAIN THAT TO ME. DO YOU MEAN YOU CAN PAY THE COLLECTION AGENCY TO DELETE SOMETHING FROM YOUR CR AFTER YOU HAVE SETTLED FOR IT. I HAVE ABOUT THREE THINGS I WOULD LIKE TO DO ONE OF THESE FOR DELETS ON. HOW MUCH DOES SOMETHING LIKE THT COST. THANKS DEBTGIRL
  5. How do you handle dupilcate reporting being reported on your credit report. Do i write the credit bureaus regarding this and asked for one to be removed. I have an agreement with the collection agency to pay the amount but the OC is showing up to. And they are reporting different amounts. How do i proceed with getting one removed from my credit report, should i contact the original creditor. thanks inadvance Debt Girl
  6. they are closing some offices and combining some. they closed down the one i deal with and sent me to another office. i wish they would settle with me but i'm not behind with them.
  7. Thank You For Your Reply. I Think That's What I'm Going To Do. Where Did You Get Yours.
  8. If I Got Two Secured Cards For 500-1000.00 Each Would That Help My Score Up Any Faster And Only Spent About 100.00 A Month On Them And Them In Full Monthly.
  9. hOW LONG AFTER A SHORTSALE CAN YOU PURCHASE ANOTHER HOME. I WANTED TO WAIT A YEAR AND WORK ON SOME CREDIT ISSUES AND SAVE MY DOWNPAYMENT. HOW LONG WOULD I HAVE TO WAIT. I ONLY WNT TO WAIT A YEAR AND A FEW MONTHS. CAN SOMEONE HELP ME WITH THIS? THANKS IN ADVANCE DEBTGIRL
  10. do you have to have a certain credit score or good credit to qualify for an FHA loan. The type of loan they are helping people out the subprime mess. Thanks inadvance
  11. WOW, THAT'S GREAT!!! 8 MONTHS. MAN YOU GUYS ARE GIVING ME SO MUCH HOPE. THANKS.... AND CONGRATS!!!!!
  12. WOW!!! Within a year and half you jumped into the 700's. now that's motivation for me. Congrats to you.
  13. Thanks for all the encouraging responses. I'm feeling pretty good about this. I have my mortgage back on track, my mother is set to move in soon and i will be paying off my J.C.Penny card in March. After that i will have only 3 creditors to pay off and my credit report will be all paid off. i got two other accounts caught up and i just want to stay on track with them. So things are already looking up. I've been broke but i'm staying current and hopefully in a few months the score will start to go up again. i never had any credit cards. That was one thing i knew not to get involved with. I only use my debit card or cash. One of my creditors knew i had never been late with them ( Citibank ) and always made my payments on time, so even with the 392 credit score they refinanced me and lowered my payments. They said because i was a long time customer and they understood after i explained how i got in my jam. Things are looking good again for me, and just to think i was about to file bankruptcy a few months back. i thought that was the best thing to do becasue i felt so overwhelmed. My sister told me to make that a last result. so i canceled the appointment to file bankruptcy and got out my credit report and got on the phone with my creditors. i know its a long process to get my scores back up but i'm up for the challenge.
  14. Thank you for understanding. Thank goodness my mom is here for me. her rent is 1200.00 and she told me that she was not going to continue to pay someone else bills when her daughter needs her help so she's moving in with me. She don't want to see me loose my home. So i have been working extra and got the mortgage all caught up before she got there. So i'm feeling pretty good lately i just want to start working on these other four charge offs and keeping things paid on time. I know this nightmare won't last forever.
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