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  1. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  2. Hello everyone this is my first time. Okay I'll just get right to it....I'm cleaning up debt I acquired after getting laid off and the largest is an eviction which is now a judgement. its been two years and is growing 10% interest. Every strategy i've tried and got no results. my last resort to find a way to put the ball in my court is to see if there is anything i can do about a statement said in court. I have the minutes to prove it. Before all this i had great credit and a family member became ill while i was laid off thats what used all my savings and i couldnt pay rent and so in court the