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After your first round of "easy" deletes....


NoCal
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now its time to start negotiating with these people that I owe money to. How do I do it? Do I send them an $ offer and ask them to delete everything from my report?

For example ATT wireless, Sprint, etc.

Also an auto repo, do I contact Ford, or the latest attny that has mailed me a letter demanding that I pay it off?

My FICO is 550, does that really suck? What's considered decent? My Transunion is 605? How is that?

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Hi, there is a goodwill letter under the sample letters. I believe 550 is considered poor... (it could be worse at very poor). Not sure on the repo. Maybe someone with more experience will chime in. Most people have a 50 point difference between reports.. they report to different CRA's it's what "membership" they pay to report to.

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