sexycreditgirl Posted May 5, 2005 Report Share Posted May 5, 2005 I have been reading this site for the past 2 weeks and I am just getting started in my credit repair. I need some beginers advise... 1) I just pulled my credit report and I have a medical collection that was paid since 7/3/04 how do I get it off my report?2)I also have a collection from a phone company that was paid, but it states unpaid and derogatory. How do I delete that?3) How do I get the sl's from showing up on my report, everytime the sell my loan to another lender, the old one stays on.4) I want to apply for a mortgage in about 1 month, what is the quickest way to pull up my fico score? Thanks guys in advance!!!1 Fico 548 TUEX ?EQ? Link to comment Share on other sites More sharing options...
Ahntara Posted May 5, 2005 Report Share Posted May 5, 2005 One month is not a lot of time to raise scores. Do you need 100% financing? Do you have any open, current accounts?The fastest way to raise scores is to dink with utilization numbers on CC's. Of course, if you don't have CC's, then that is not an option. Next best strategy is getting accounts removed from bureaus or PFD. Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 5, 2005 Author Report Share Posted May 5, 2005 I do have open cc acounts and all have low balances and are current. I just paid them down about 1 month ago. Also how do I delete judgements if they are paid? I have a judgement from 1999. For the NYS Tax Comm Link to comment Share on other sites More sharing options...
Ahntara Posted May 5, 2005 Report Share Posted May 5, 2005 "...Also how do I delete judgments if they are paid?"Short, predictable, sure-fire answer: You don't, you get the disposition listed. Being paid is beside the point. Judgments need to be satisified or vacated. If vacated, then they can be deleted.Longer, more difficult answer: You find one thing wrong in the listing and dispute with the CRA on that one thing and cross your fingers (rinse and repeat, as needed). I personally don't find this tactic successful, but many others have and continue to do this.Good luck! Link to comment Share on other sites More sharing options...
sexycreditgirl Posted May 5, 2005 Author Report Share Posted May 5, 2005 New to language...whats a pfd? Link to comment Share on other sites More sharing options...
Ahntara Posted May 5, 2005 Report Share Posted May 5, 2005 Pay-for-deleteNegotiate with the CA or OC to pay a collection in exchange for them removing the listing from your CR. Be sure to get their written agreement BEFORE you send any money, preferrably from someone in their organization with the authority to make such an agreement.CA's luv to agree, get paid, then not comply. Link to comment Share on other sites More sharing options...
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