Lil Smurfette Posted July 24, 2003 Report Share Posted July 24, 2003 Good Morning Everyone:Here it goes.................Back in 2001 my credit scores were as follows; EQ-644, TU-620, and EX-601. Since then I made the biggest mistake ever, obtained two Providian cards, Crap 1, and a Jc Penney's. Everything one going great with the payments and all until I had to go out on Medical Leave with caused me to get behind on my payments.I now have the following fico scores; EQ-528, TU-501, and EX-535 Credit Information3- Car Loans; paid in full, no lates.4- Charge OffsDepartment store - Charged off 08/02; CL $300, amt. due $477 will settle for $286 (report on credit paid as settlement).Crap 1- Charged off 02/03; CL $200, amt due $700 will settle for $365 (claim it will show on credit report paid in full as agreed).Visa - Charged off 04/03; CL $1800, amt due $2760 will settle for $1,500 if I pay in full or a down pymt of $250 with monthly payments until the $2761 is paid in full.Master Card- CL $500, amt due $1350 have not been able to get in contact with anyone to setup pymt arrangements yet.So there it is someone please help me out with clearing these things up. I am hoping to make some progress soon. If I do need to go ahead and settle I am prepared to do that. I am trying to get approved for a house but my credit score needs to be at least 560 or better to get the better interest rate.P.S. Also I have this collection account for $100 that has been haunting me for 5 years now. I just typed up a DV letter is that the best route to go, if I want this off my credit.Thank you all in advance for your help!! Link to comment Share on other sites More sharing options...
sisflomi Posted August 8, 2003 Report Share Posted August 8, 2003 Have you disputed any of this with the cra's yet? That would be your first step. Link to comment Share on other sites More sharing options...
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