plumschool868

Well I've been having some really hard times lately. Both me and my spouse lost our jobs. I am still unemployed. I get a small unemployment check and he got a job that doesn't pay very well. In the mean time I haven't been able to pay anything I owe for the last year. Please see below for what I owe(there could be more, this is a rough list). I am moving out of the state to seek better employment and the only bills we have been able to keep up with is our cell phone, our internet, and our storage bill. Please if you have any suggestions I would greatly appreiciate it. Thanks!!!! Direct Tv Bill 153.34 Sun Loan 539.00 Tribute Credit Card 639.03 Chase Credit Card 878.42 Chase Bank 237.50 Merrick Credit Card 1119.29 Fingerhut Card 295.31 Chevron Credit Card 356.00 Capital 1 Credit Card 350.00 Newport News Card 451.74 Macys Card 338.38 Applied Credit Card 1424.57 Ringtail Medical 342.00 Riverview Medical 259.00 Riverview ER 246.00 Compass Bank 709.63 Valley View Medical 315.00 Colorado Pediatrics 88.00 Colorado ER 316.87 River Gardens Appt. 329.00 Baron Pest Control 60.00 YouAreApproved 195.00 Mohave Electric 130.22 TOTAL: 10433.89

Both collections were phone bills One $37 legit One $405 in dispute (not accurate)

Credit Accounts: USA CREDIT 1 yr. LIMIT $5,000--- No Monthly Payment CHASE CHEVRON 6 mo. LIMIT $200---$30.00 Monthly CROWN JEWELERS 8 Mo. (1 30 day late) LIMIT $500--- No Monthly Payment CRESCENT JEWELERS 6 Mo. LIMIT $2,500---$79.00 Monthly CAPITAL ONE 6 mo. LIMIT $200---$15.00 Monthly Macy's 6 mo. LIMIT $100---No Monthly Payment NO CAR PAYMENTS STUDENT LOAN IS IN REPAYMENT $93 MONTHLY As for where I live. I live in Southern California (Desert Area). I don't think I would spend any money to live in the ghetto would you?

New Situation: My credit scores are: Credit History 18-20 months old Equifax 661 Clean Transunion 590 1 collections under $500 Experian 640 Clean Income: $28,000-30,000 Been at job: 4 yrs. Debt: Student Loan $9,000 (Defered until 2007) Sun Loan Paid OFF Credit Accounts: CROWN JEWELERS 6 mo. USA CREDIT 1 yr. CHASE CHEVRON 6 mo. CROWN JEWELERS 8 Mo. (1 30 day late) CRESCENT JEWELERS 6 Mo. CAPITAL ONE 6 mo. Macy's 6 mo. His: Credit history 3 yrs. old Equifax 517 1 Collections under $200 Transunion 565 1 Collections under $200 Experian 567 1 collection under $200 Income: 18,000-20,000 On Job: 5+ years Debt: Student Loans $15,000 (1 30 day late) *New Homes Costs In our Area 150,000-300,000* Does this seem to help my situation any???

bump

Those should be off too. They were his mothers accounts.

I hope to have both collections of my credit by then. I have already got them off the other bureaus but TU is giving me a hard time.

My and my spouse hope to get a mortgage in about 6-8 months and I was hoping for any tips such as what credit improve, type of mortgage, down payment/closing costs, etc.... Here is our situation: My credit scores are: Credit History 11 months old Equifax 661 Clean Transunion 590 2 collections under $500 Experian 640 Clean Income: $28,000-30,000 Been at job: 4 yrs. Debt: Student Loan $6,000 (Defered until 2007) His: Credit history 2yrs. old Equifax 517 2 Collections under $200/5 Transunion 565 2 Collections under $200 Experian 567 1 collection under $200 Income: 18,000-20,000 On Job: 5+ years Debt: Student Loans $15,000 (1 30 day late) *New Homes Costs In our Area 150,000-300,000*

I haven't heard anything from toyota financial as far as interest rates. I'm suppose to find it all out at the dealership, but the last time I worked with toyota financial my rates were high, but my established credit isn't even a year old yet so I expected that.

Ok. I applied thru Toyota Financial. They gave my info to a local dealership. The dealership called and I told them I only had $500 for a down.. They said they could get me in a car (Certified Pre-Owned 03'-04'-05' Camry)with that they mentioned something about a college program, but I am still in college not a graduate and have 2 yrs. left. Is this possible??? I'm only asking because I have had about 6 dealers tell me that and when I got there they give me two crappy options(someones beat up trade in). Reason: Have little credit history, one collection on TU and too many inq and no cosigner. Scores posted in my sig. Thanks for any response I'm getting tried of wasting my time.

I'm so glad all of you found some interest in this post. It did take a few days to get them reporting on each bureau, but it has raised all of my scores dramatically. Good Luck All. p.s. They don't pull credit for the approval.

They are reporting to all 3 bureaus. They show my limit as 1,500. I did make a small purchase! Still awesome!

Started reporting today! My score jumped 57pts.!!! Yay!

How old are you? 20 What is the length of your job time? 3 yrs. 7 months What is your gross monthly income? 2000 What is the $ value of the collection account? 505 What is the collection acount for? Old Phone Bill

Mine came through e-mail next day. Did you get a reaponse?