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Mystickal13

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  1. This is so awesome.. its gives me hope Congrats!
  2. Im new here and I think I have the concept of validation but some points ( which may be stupid) I seem to be missing are: If I push for validation does it bring my debts out of their 3 year status to current? What if I am passed the "30 day" notification letter window? Should I validate before I get the old addresses removed from my CR's? I am thinking I should do it the other way around, but Im not sure. How long do the CRA's have to Validate before they have to remove it from my credit report? I apologize if these have been answered before, but there is so much info here my brain is literally reeling and I want to make sure I am starting off my process correctly since I have a timeline of 8 months to clean up as much as possible. Thanks for your help.
  3. Thanks for the encouragement, all of the information here certainly does make ones head spin but I think I am beginning to make sense of it. A little bit each day I think is the key. First thing tomorrow I am going to work on getting the old addresses removed. Then figure out how to get things deleted. Thanks again
  4. Hi there. I just found these boards today and already I feel I am farther ahead just by reading them. My backstory is this.. I will keep it short and sweet. I was real stupid - Ex boyfriend/fiance took me for 50k and trashed my credit in the process. After a few years of being very angry at myself for being stupid I finally caught the lightbulb that said I was only punishing myself by ignoring the past debt. HE certainly isnt having any problems since the new wife has deeper pockets than mine. I spoke to a morgage lender and he said I need to up my scores by 60 points to qualify for a house - which again pissed me off since I used to have a nice 760 - but oh well moving into the here and now, I was advised that I needed the collection agencies to send me a letter removing negative commentary off my reports as I got them paid off. So far, Sallie Mae has refused to remove any negative comments (which I gather by reading here is their normal position) I have gotten ONE thing removed completely Today I was absolutely discouraged when I talked to the guy from AvanteUSA who not only was a jerk but said he was the boss and there was nothing I could do and no one I can talk to other than him( which I find hard to believe because why is the boss answering the call center phone?). That they wouldn't remove it from my CR and would only mark it off as a paid settlement, which I am pretty sure is just as bad as the collection sitting there. My first goal (in the next 9 months) is to life my scores that 60 points so I can get a house and move across country, then I will work on cleaning the rest of it up. So far today I have Opted out of the credit agencies sharing my info and sent off a check for a National City secure credit card. Both of which I hope will help My scores right now are: XPN 609 EFX 582 TUC 551 In any case I thought I would introduce myself, say hello and mention finding this board is the best thing to come out of my day.. So thanks ** Thanks to Breeze for redirecting me
  5. Hi there. I just found these boards today and already I feel I am farther ahead just by reading them. My backstory is this.. I will keep it short and sweet. I was real stupid - Ex boyfriend/fiance took me for 50k and trashed my credit in the process. After a few years of being very angry at myself for being stupid I finally caught the lightbulb that said I was only punishing myself by ignoring the past debt. HE certainly isnt having any problems since the new wife has deeper pockets than mine. I spoke to a morgage lender and he said I need to up my scores by 60 points to qualify for a house - which again pissed me off since I used to have a nice 760 - but oh well moving into the here and now, I was advised that I needed the collection agencies to send me a letter removing negative commentary off my reports as I got them paid off. So far, Sallie Mae has refused to remove any negative comments (which I gather by reading here is their normal position) I have gotten ONE thing removed completely Today I was absolutely discouraged when I talked to the guy from AvanteUSA who not only was a jerk but said he was the boss and there was nothing I could do and no one I can talk to other than him( which I find hard to believe because why is the boss answering the call center phone?). That they wouldn't remove it from my CR and would only mark it off as a paid settlement, which I am pretty sure is just as bad as the collection sitting there. My first goal (in the next 9 months) is to life my scores that 60 points so I can get a house and move across country, then I will work on cleaning the rest of it up. So far today I have Opted out of the credit agencies sharing my info and sent off a check for a National City secure credit card. Both of which I hope will help My scores right now are: XPN 609 EFX 582 TUC 551 In any case I thought I would introduce myself, say hello and mention finding this board is the best thing to come out of my day.. So thanks

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