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Got Bad Credit?? Need It Fixed??


 
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 3 years ago '12        #526
DannyStr8G 
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Only way to legally fix ur credit is pay ur bills

 3 years ago '05        #527
SquirrelXss 2 heat pts
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Hey yall, been reading this thread and its full of good info. My credit score used to be a 790, now im sitting around a 655. I plan on buying a house next year or so.

I only have 2 bad marks on my credit, soon to be one.

My question is i have a judgement levied agaisnt me at the circuit court. This was put on there about 4 years ago and as i understand in Florida its good for 20 years.

Whats my best course of action? Can i try to pay a credit repair company to takr care of it or is my only option to pay it?

 3 years ago '15        #528
AmillionMo 10 heat pts10
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Saved

 3 years ago '08        #529
Aragorn Black 1 heat pts
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my FICO credit score has only gone up 30 points in a year, its at about 690 now. is there anything i can do to help the score go up faster? i was thinking about getting a charge card

 3 years ago '07        #530
MELODY 123 heat pts123
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If anyone needs a contact to white Jacobs please send me a private message as I know someone who's a manager there.

 3 years ago '10        #531
Trilluminati GA 433 heat pts433
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new comcast job...new credit score coming soon

 3 years ago '11        #532
leem26vtec 4 heat pts
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Is it true that after 7 years items fall off your credit? Agent at the bank told me this last year and was curious on the truth to this. If so what all falls off?
Thanks in advance.

 3 years ago '07        #533
stargod 
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 leem26vtec said
Is it true that after 7 years items fall off your credit? Agent at the bank told me this last year and was curious on the truth to this. If so what all falls off?
Thanks in advance.
Every State has its own statue of limitations. Pretty sure its everything other than student loans

 3 years ago '11        #534
leem26vtec 4 heat pts
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 stargod said
Every State has its own statue of limitations. Pretty sure its everything other than student loans
cool appreciate it.

 2 years ago '04        #535
ShadyGirl420 
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Great thread thanks a lot for taking the time to make it.
I'm probably asking something that has been asked before
but I couldn't find it, and I went through most pages.

Here is my situation.
A few years ago, we got into a financial pinch, lost our business,
and our credit went to hell, that we had worked hard to get.
FF a few years, business is back and doing great, now wanting to clear the credit
to get a new house(the house we currently live in, is on a contract through the owner). So when I say our credit is bad, its bad. Mine is a around a 515, and his
is worse like a 505.
A few CC, a cell phone bill, a cable bill, and hospital bills.
Most of them went on there about 2 years ago, i really dont want to wait for them to fall off. Now finically in a better spot, I would like to pay the debt, BUT i heave read several places that this could re open the account and make credit worse. I have also read about pay to delete, but they seem not to work at all.
We are working with a VA specialist to get the home loan, and she said our credit would only need to be about a 610. I just got the 2 secure credit cards today. Any advice you could give me would be appreciated. Thanks for taking your time and helping people out!

 2 years ago '05        #536
Quddus 13 heat pts13
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 ShadyGirl420 said
Great thread thanks a lot for taking the time to make it.
I'm probably asking something that has been asked before
but I couldn't find it, and I went through most pages.

Here is my situation.
A few years ago, we got into a financial pinch, lost our business,
and our credit went to hell, that we had worked hard to get.
FF a few years, business is back and doing great, now wanting to clear the credit
to get a new house(the house we currently live in, is on a contract through the owner). So when I say our credit is bad, its bad. Mine is a around a 515, and his
is worse like a 505.
A few CC, a cell phone bill, a cable bill, and hospital bills.
Most of them went on there about 2 years ago, i really dont want to wait for them to fall off. Now finically in a better spot, I would like to pay the debt, BUT i heave read several places that this could re open the account and make credit worse. I have also read about pay to delete, but they seem not to work at all.
We are working with a VA specialist to get the home loan, and she said our credit would only need to be about a 610. I just got the 2 secure credit cards today. Any advice you could give me would be appreciated. Thanks for taking your time and helping people out!

from my experience once they go into collection the only way to get them off is pay for delete. I don't have verify good luck with pay for delete. It has never worked for me but some people say it does.


Last edited by Quddus; 06-29-2016 at 01:46 PM.. Reason: i

 2 years ago '05        #537
Quddus 13 heat pts13
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 ShadyGirl420 said
Great thread thanks a lot for taking the time to make it.
I'm probably asking something that has been asked before
but I couldn't find it, and I went through most pages.

Here is my situation.
A few years ago, we got into a financial pinch, lost our business,
and our credit went to hell, that we had worked hard to get.
FF a few years, business is back and doing great, now wanting to clear the credit
to get a new house(the house we currently live in, is on a contract through the owner). So when I say our credit is bad, its bad. Mine is a around a 515, and his
is worse like a 505.
A few CC, a cell phone bill, a cable bill, and hospital bills.
Most of them went on there about 2 years ago, i really dont want to wait for them to fall off. Now finically in a better spot, I would like to pay the debt, BUT i heave read several places that this could re open the account and make credit worse. I have also read about pay to delete, but they seem not to work at all.
We are working with a VA specialist to get the home loan, and she said our credit would only need to be about a 610. I just got the 2 secure credit cards today. Any advice you could give me would be appreciated. Thanks for taking your time and helping people out!

from my experience once they go into collection the only way to get them off is pay for delete. I don't have verify good luck with pay for delete. It has never worked for me but some people say it does.

With them being on there for 2 years I would not pay anything without getting a pay for delete. Because paying off a collection won't help you much. I would open a secured card. Since you have more money put more money down on it. It will show on your credit with that limit and continue to build.

 2 years ago '04        #538
Adwerdz 398 heat pts398
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I first encountered thus thread like 6 yes ago, I had a credit score of 580. I started doing all the stuff in this thread and getting negative erased off my credit and got a secured credit card. I slowly built my credit up and got good enough credit to buy a house and apply for store credit cards and get auto loans. Now at at a 750 credit score and just recently applied for a amex and got approved. Needless to say I'm on track and doing well, thanks to this thread and bx and my motivation to do the right thing and put in work. Thanks

 2 years ago '12        #539
Fresh.E 70 heat pts70
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Credit score is at 547. I started a car payment this year, in March and improved my score 490 to 547 so far. My bank just approved me for a secured credit card.

I have about 2100 in debt but the accounts are in collections or closed so I'll be reading this thread after work.

Want all debt cleared out and my score to be pretty decent by the end of 2017

 2 years ago '11        #540
mosdope 7 heat pts
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 Adwerdz said
I first encountered thus thread like 6 yes ago, I had a credit score of 580. I started doing all the stuff in this thread and getting negative erased off my credit and got a secured credit card. I slowly built my credit up and got good enough credit to buy a house and apply for store credit cards and get auto loans. Now at at a 750 credit score and just recently applied for a amex and got approved. Needless to say I'm on track and doing well, thanks to this thread and bx and my motivation to do the right thing and put in work. Thanks
Congrats man. You got negative accounts erased off because they were inaccurate or just in general? And did you settle or pay them off?

 2 years ago '04        #541
Adwerdz 398 heat pts398
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 mosdope said
Congrats man. You got negative accounts erased off because they were inaccurate or just in general? And did you settle or pay them off?

A few were inaccurate, some had wrong addresses and info attached to em so I just said it wasn't me

a few were over 7 yrs old, and got them to remove em.

I settled for nothing, I paid one recent medical bill off and that was it. Then started building credit with a secured card and a minimal car loan.

 2 years ago '11        #542
mosdope 7 heat pts
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 Adwerdz said
A few were inaccurate, some had wrong addresses and info attached to em so I just said it wasn't me

a few were over 7 yrs old, and got them to remove em.

I settled for nothing, I paid one recent medical bill off and that was it. Then started building credit with a secured card and a minimal car loan.
Oh wow, so even with some debt that was valid, because they couldn't find documentation, they removed them and let you off the hook?

 2 years ago '04        #543
Adwerdz 398 heat pts398
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 mosdope said
Oh wow, so even with some debt that was valid, because they couldn't find documentation, they removed them and let you off the hook?
yea after 7 yrs on closed accounts they have to take it off

anything closed before 7 yrs they try to contact the creditor, they only have like 30 days to respond back I believe, if they don't then it get's knocked off. But

If they do you are a.ssed out and they will start over soliciting you, So I wouldn't do it if that debt is in current standing and they have just stop soliciting you recently up to 3 yrs

 2 years ago '11        #544
mosdope 7 heat pts
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 Adwerdz said
yea after 7 yrs on closed accounts they have to take it off

anything closed before 7 yrs they try to contact the creditor, they only have like 30 days to respond back I believe, if they don't then it get's knocked off. But

If they do you are a.ssed out and they will start over soliciting you, So I wouldn't do it if that debt is in current standing and they have just stop soliciting you recently up to 3 yrs
Appreciate the advice!

 2 years ago '04        #545
Adwerdz 398 heat pts398
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 mosdope said
Appreciate the advice!
no doubt

 2 years ago '04        #546
zone3cp 4 heat pts
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Anybody ever used Lexington Law for credit repair?

Top 10 most propped recently  2 years ago '04        #547
Kliq 222 heat pts222
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Anyone have experience working with Lexington Law or any similar service? My credit is fu*ked and I don't know where to begin

 2 years ago '05        #548
Quddus 13 heat pts13
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 Kliq said
Anyone have experience working with Lexington Law or any similar service? My credit is fu*ked and I don't know where to begin

I don't know man. I think they give false hope. If your credit jacked it gone be a long process to get it back good if you don't have $$. I have been rebuilding mine for 3 years and still in the process. I just finally got rid of all collections on my report.

Now i am just focusing on building positive information. I don't think they do anything you as a consumer can't do yourself. But if you looking for someone to hold your hand through the whole process they are good. It is just going to cost.


Last edited by Quddus; 02-27-2017 at 03:25 PM..

 2 years ago '07        #549
Avon_Barksdale 4643 heat pts4643
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 marcchrome said
good post, educate the people. props.
11 years ago




 2 years ago '07        #550
Kinglew88 14 heat pts14
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I repair credit.

If you have any questions DM Me!

Also have job opportunities available

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