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Found 18 results

  1. I had some late payments on credit cards over a year ago but none since. How long does this hurt my credit score if I no longer have a late payment? And by how much? In other words, I've been on some sites that have a simulator that allows you to enter some changes to see what you can do to improve your credit score and by how much. One of those is to pay down your debt. My question is, what is my incentive to pay down debt - for the purpose of raising my credit score - if that late payment history will hold it down for 7 years (or whatever the period is)?
  2. A year ago, I settled some credit card debt by agreeing to pay a lesser amount which resulted in those accounts being closed, of course. How long does this hurt my credit score? And by how much? In other words, I've been on some sites that have a simulator that allows you to enter some changes to see what you can do to improve your credit score and by how much. One of those is to pay down your debt. My question is, what is my incentive to pay down debt - for the purpose of raising my credit score - if the debt settlement will hold it down for 7 years (or whatever the period is)?
  3. Long story short, I was doing a friend a favor and did a contract for deed (paperwork written up by a lawyer). Well, it ended up in foreclosure and listed on my CR in 2013. So now I'm trying to get a mortgage and was asked when the sheriff's sale date was. Honestly, I didn't have one because the bank or lawyer did not contact me by phone or mail. So I called the sheriff's office, nothing. Finally ended up at the circuit clerks office in which she said "Well that's weird". Your house didn't sell. There is a dismissal order without prejudice signed by the judge on Feb 19th, 2013. She said don't
  4. Hello All, I am back. In Spring 2015, I happily bade my farewells to Courts and Collections and said "Hi" to clean credit reports and wise using credit. Until today, I had my TU (TransUnion) Credit Score 690-705 reported thru one of my credit cards. Today, I found my TU Credit Score as 602 and immediately requested my Free Annual Credit Reports after 1.5 years not worrying about this. My today's (11/12/2016) TU Credit Report show one deragatory item: MIDWEST RECOVERY SYSTEMS 2747 W CLAY STREET SUITE A ST CHARLES, MO 63301 (888) 253-3440 Placed for collecti
  5. Hello. A few years ago, my student loan went into collections. I ended up getting sued, and made payment arrangements with the law firm representing the creditor. Since then, they have been faithfully deducting the payments from my bank account, and the change in total due is updated on my credit report every month. These payments have been happening for several years now. The trouble started last year. The account was removed from my report, and then reappeared a few weeks later under a new creditor. It appears the debt had been sold, and its reappearance had the effect of a new debt.
  6. Excellent article on how to raise your credit score, and the major components affecting your score. How to Raise Your Credit Score, Fast http://www.bloomberg.com/news/articles/2016-05-10/how-to-raise-your-credit-score-fast
  7. A secured credit card's minimum deposit is usually two or three hundred dollars. Is it better for your score if you buy yourself a limit of say $800.00 rather than getting the minimum of two or three hundred? Is having and responsibly using multiple secured cards better for your score?
  8. I want to rebuild my credit so I'm looking at secured credit cards. I read a thread from 2011 about secured cards that don't report as secured. Which cards report to all 3 major credit bureaus and report as unsecured as of 2015?
  9. We are residents of Orlando, FL and need help with medical debt for lab test. In summary - the test was performed in Nov 2012, and the insurer had pre-approved this out-of-network lab as in-network - the insurer and lab went back and forth over the bill and are still going back and forth over the bill, now with my employer’s HR involved - we never received a bill from the lab, despite us updating our address with them and USPS with our new address - On March 17, 2015, we received notice (dated March 10) from a collection agency for a $19K debt that includes $2600 of interest - The lab claims t
  10. We are residents of Orlando, FL and need help with medical debt for lab test. In summary - the test was performed in Nov 2012, and the insurer had pre-approved this out-of-network lab as in-network - the insurer and lab went back and forth over the bill and are still going back and forth over the bill, now with my employer’s HR involved - we never received a bill from the lab, despite us updating our address with them and USPS with our new address - On March 17, 2015, we received notice (dated March 10) from a collection agency for a $19K debt that includes $2600 of interest - The lab claims t
  11. Hello everyone! Thank you for the help in advance. I'm going to try and not draw this out for everyone, so lets get to it. Here's my current status and situation: Recently I moved to MI and obtained a job that brings in about $1600 monthly after taxes. My bank account has a balance of around $2k at any given time. I'm currently lucky enough to live with family until my finances are straightened out enough to get back to my own place. My GOAL by February 2016 is to have a 650-700 credit score so I can move down south. I'm hoping to be able to boost my credit score while maintaining a sta
  12. Hi Friends, I had taken an AMEX credit card from Selfscore.com which basically acts as the primary card holder and issues addon cards for international students without credit score. And since our SSN's are linked to the credit card the whole account affects our Credit Report. But unfortunately this card which I have taken in January has been affecting my credit report very badly as all the other addon holders are using it to the maximum limit. Would closing this card help me repair my credit score ? I'm worried because it has been only 3 months since I opened the card and I'm not sure how i
  13. 9 questions about credit scores you were too embarrassed to ask Imagine trying to lose a few pounds without ever stepping on the scale or trying to cut your cholesterol without ever getting it checked. Tens of millions of Americans are taking a similarly blind approach to their money. Everyone wants their finances to be in good shape, but less than half of all Americans even know their credit score. That's not good — a bad credit score can mean a high-interest loan that costs you thousands and thousands of dollars over the course of a lifetime. But it's not just laziness. Private companies o
  14. I'm wondering if there is a way to predetermine (ballpark) what sort of APR you would qualify for on a used auto loan based on your credit score? I went to my bank, Chase, and was told there is a range on used auto loans between 3.09% to 8+% based on your credit score, however the worker bee there wasn't able to be any more specific than that. I would like to have at least a general idea, before I have my credit pulled only to find out they (or anyone else) can't offer me what I'm looking for. I'm not interested in paying more than 5.5%. MAX. I know they can't tell me definitively before
  15. Hello, I'm in the process of cleaning up my credit and it is going well but I will soon need to begin the next phase which is to build credit. I'm already aware of a few ways to build credit fast but can anyone offer further ways to be credit fast? I know about... Being an authorized user Secured loans Secured credit cards
  16. Hi! I am not sure if I am posting this in the correct place or not. I am new to this site and hope someone can give me a little guidance. When I was in high school my step sister who was 17 at the time was approved for a credit card through Capital One. I thought wow, if they gave her one maybe they will give me one! Dumb...very dumb I know but at the time I was 16 and was not thinking towards the future. Sure enough I filled out the application online and even filled it in correctly with my real SS# and everything, the only thing I did was change the year of my birth so at the time it would'v
  17. There is some good news believe it or not regarding how credit scores are calculated. Vantage score which is the new score created by the 3 major credit bureaus has made some adjustments in their model which will help many who have paid off old debt or been victims of natural disasters. You can read the article here: http://tinyurl.com/a29uvh4 This may help many of you in terms of raising your score which is always a big issue in this forum.
  18. Good afternoon Please let me know if if am posting this in the wrong location. I started the refinance process January 15th. Chase pulled my credit and score to start the process. My score was different from what I saw from the Equifax triple score report ( I have an account with them). Today Feb 6th, I spoke with the bank and they said I had to restart the process because I was late January and February 2011.. I does not show in the credit report, but she insists that I need to start the process again which would require them to pull the credit again. My score for Equifax dropped 8 POINT