Jump to content


  • Content Count

  • Joined

  • Last visited

  1. I have a medical bill that is past due to a for $546 and a closed account for $900. I was reading I should call to see if they would reduce that amount and ask for a pay and deletion if they do so?? But I also read not to start making payments on that $900 account because it refreshes the account and could be more harmful. Only make a one time payment if they offer a smaller amount I can afford and are only willing to delete it from report?? the $546 I’m gonna pay, but wonder if I should ask for a pay and delete also? It’s not a closed account, just shows past due outstanding. I need some advice and help please
  2. I recently had a car accident and totaled my vehicle ( other drivers fault). I’m trying to find the best option to get a car loan for a vehicle. I pulled my credit report and it’s a 540 with trans union and 583 with Equifax. I have a unsecured credit card with a $1,500 limit which I have a balance of $1,100. I know I need to get this down to 30% utilization. My credit union has 5.5% used car loans and 10.75% for personal loans. I doubt I can get approved my credit score but I haven’t tried to avoid a hard inquiry with a denial... not sure though you guys and gals may know better. There is the usual high interest lenders with 14-20% interest rates. I may have to go that route and pay on time and good standing for 6-8 months then try and refinance with my credit union. So I’m looking for any advice or suggestions... I desperately need a vehicle so I’m looking for any help. Please point me in right direction. Thank you

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information