Mathiastheok Posted April 5, 2007 Report Share Posted April 5, 2007 I hope I don't find out that I am the worst person credit wise on this board...lol... At least I hope I can turn that into the best turn around story..Just wanted to say hello.I found this board by surfing and have made up my mind its time to get started!I have a question about this "Book" I have seen several books on this website and am wondering which is the correct one to buy to begin fixing my credit?My current credit profile (Sung to the tune of the 12 days of Christmas)52 total derogatory items.15 Credit Card Charge offs9 Foreclosures8 Repossessions6 phone charge offs4 medical charge offs4 utility charge offs2 court fees2 judgments1 bank charge off1 check systems For a grand total of $1,966,928Equifax score: 512Experian: 529Trans Union: 449Note: I have 22 good accounts that are paid as agreed which might be why most every score isn't below 400.Yes I owned a business that went south...waaaaaay south.So I know my battle may be huge but I am very good at organization and follow up and think I may have a chance with all of your help.So where to start first? Read the book? Which one?Pleasure to meet you all and I look forward to a day when my credit report isn't bigger than my dictionary. Link to comment Share on other sites More sharing options...
SugarNspice Posted April 5, 2007 Report Share Posted April 5, 2007 Welcome! Take the time to read everything on this board and I mean EVERYTHING!!! Use the search tool it is very helpful when looking for something specific.There are sooo many people here that are full of knowledge on credit repair. I had the good credit is sexy book but I've learned alot through this board. Didnt even read it everything I needed was here and best of all its Free! Good luck Link to comment Share on other sites More sharing options...
sjokinley Posted April 5, 2007 Report Share Posted April 5, 2007 Wow, I'm impressed! Still, I think anyone can probably repair their credit if they're willing to spend the time. The first thing to do is to read this link:http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263069There is a list of abbreviations also at this link if you need it:http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=247970Good luck and welcome. Link to comment Share on other sites More sharing options...
Mathiastheok Posted April 5, 2007 Author Report Share Posted April 5, 2007 Thanks for the welcome.... I will be reading this board and committing as much as I can to memory and just absorb it all... theres lots to learn but i think in this game its persistence that pays off.Thanks again! Link to comment Share on other sites More sharing options...
CantCU Posted April 5, 2007 Report Share Posted April 5, 2007 Welcome!I'm new here too...and what has been said is quite true. There are so many answers on this board. If you can't find the answer, someone here will point you in the right direction!Good luck on your journey to credit repair! Link to comment Share on other sites More sharing options...
zwiepak Posted April 5, 2007 Report Share Posted April 5, 2007 Dude, that's actually impressive!It's like if your credit is going to go down the gutter, it might as well go big...!The irony is this:If those are your fico scores (NOT fako, as far as I know, you can only get true FICO from myfico.com), you actually have better credit than me, scorewise, and all I've done was get in deep with 6 credit cards (my only negative trade lines) for a mere pittance of about 30K, or roughly 1.5% of your debt.... lol , yet I've got like 20 positive trade lines encompassing real estate, autos, etc... Scorewise, I'm actually a WORSE risk than you, even though you have a proven record of foreclosures and repo's... lol...ain't credit scoring great??? Link to comment Share on other sites More sharing options...
newbie7069 Posted April 5, 2007 Report Share Posted April 5, 2007 I have a question about this "Book" I have seen several books on this website and am wondering which is the correct one to buy to begin fixing my credit?Good sense of humor about everything The book most likely being referred to is "Good Credit is Sexy" see the link to purchase above. It was written by the Administrator of this website~~~or Momma K as she's known in OT .Welcome aboard!!!! Link to comment Share on other sites More sharing options...
stancil1 Posted April 5, 2007 Report Share Posted April 5, 2007 Welcome Aboard! Link to comment Share on other sites More sharing options...
Mathiastheok Posted April 5, 2007 Author Report Share Posted April 5, 2007 Welcome Aboard!Hey Thanks!I see you were ST-2...in Little Creek right? I was SBU-12 in Coronado.... glad to see a shipmate here ! Link to comment Share on other sites More sharing options...
stancil1 Posted April 5, 2007 Report Share Posted April 5, 2007 Thats right! Welcome Aboard, there's alot of intel on this site that you can trust. Link to comment Share on other sites More sharing options...
Recommended Posts