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  1. My wife and I are wanting to buy a home but we have collections and charge offs on our credit. We are trying to raise our score to 620 for a VA loan. Just trying to get a game plan. Will we need to pay these off before we can buy? They are all over 2 years old.
  2. I just got my results back on my investigation. I got 6 medical collections removed. I still have 4 collections(LVNV Funding, Jefferson Capital and Credit Collections) and 4 charge offs which are World Acceptance, Credit One Bank, Gettington, and Fingerhut. 3 of the 4 collections are from the charge offs. All of these are over 2 years old. What are my next steps with these creditors? Any strategies? What letters do I use? Sent from my iPhone using Tapatalk
  3. I had 5 surgeries and a heart attack in 2 years which affected all of this. I have the income now I just don’t know what to pay. Do I pay off all the collections? I am trying to rebuild and that is why I need advice. I have to get a vehicle in Sept bc my lease ends. My auto loan is GM Flinancial Sent from my iPhone using Tapatalk
  4. My lease ends. I don’t want to buy it. Too many problems with it. Sent from my iPhone using Tapatalk
  5. It’s an installment loan that’s helps boost credit score Sent from my iPhone using Tapatalk
  6. I don’t want to purchase the leased vehicle. It’s a Cadillac Escalade and has too many problems. I want to get away from Cadillac. I went in last month and they ran my credit and can’t do anything bc of my score. It was 502. I got a self lender acct and made my payments on time and my score has gone up to 556. I just want to have options and not be pushed into a vehicle Sent from my iPhone using Tapatalk
  7. I am in a lease that expires September 9. I will need to purchase a car. My credit scores are 556 for TU and EQ and 592 EX. I am trying to get my scores up. I make almost $10k a month. Do u think I will have any problems getting financed? Any recommendations to boost my score? Sent from my iPhone using Tapatalk
  8. Hello I am in need of help. I have 16 total collections(13 are medical and 3 are from charge offs which are Fingerhut,Gettington and Credit One bank). I have 2 auto loans and a Conns acct. On my auto loans I have several late payments(all 30-59 day lates). I have sent goodwill letters to the auto loans to try to get lates removed. I have disputed all the collections and charge offs and waiting to hear back. I just setup a self lender acct and got a Discover secured CC. Anything else I should do to raise my credit? Sent from my iPhone using Tapatalk

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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.
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