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imreddy

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About imreddy

  • Birthday 06/21/1973

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  • Location
    Maryland

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  1. imreddy

    question re approval

    How many different credit pull before approved?
  2. imreddy

    My Credit is a Mess!

    Thanks!
  3. imreddy

    My Credit is a Mess!

    Thanks to you all! I just pulled all of my credit reports. Boy does it look UGLY!
  4. imreddy

    My Credit is a Mess!

    Thanks. Here's the begging of my journey. Wow, I'm overwhelmed at how helpful everyone is. I'm grateful!
  5. imreddy

    My Credit is a Mess!

    Thanks!
  6. imreddy

    My Credit is a Mess!

    Do I wait for AFNI to fall off or dispute? For some strange reason, I don't think that they every go away, because they keep updating. Thanks for the link. I'm gonna read the info. Yes I disputed addresses and old names. Some came off and some didn't. I started my credit repair back in April then stopped, because I thought I was gonna file BK, but I'm not gonna go that route. I really appreciate your responses. I need all the help I can get. Has AFNI ever been sent a FOAD letter? I've never sent them a FOAD letter. I'm looking for examples.
  7. imreddy

    My Credit is a Mess!

    Thanks for the encouragement and information. I'm gonna read read read! I really appreciate your response.
  8. imreddy

    My Credit is a Mess!

    Do I wait for AFNI to fall off or dispute? For some strange reason, I don't think that they every go away, because they keep updating. Thanks for the link. I'm gonna read the info. Yes I disputed addresses and old names. Some came off and some didn't. I started my credit repair back in April then stopped, because I thought I was gonna file BK, but I'm not gonna go that route. I really appreciate your responses. I need all the help I can get. Has AFNI ever been sent a FOAD letter? Thanks a million! I have no idea what a FOAD letter is, but I will do a search now.
  9. imreddy

    My Credit is a Mess!

    OMG! I loved it! I just saved as a fav on youtube! Thanks!
  10. imreddy

    My Credit is a Mess!

    Thanks! About to look at them now. Thanks a lot!
  11. imreddy

    My Credit is a Mess!

    Thanks Lynn. It's been a rough ride for me. An abusive now ex-hubby in jail for 8 years for assaulting me. As a result I have never been able to go back to work and am on long term disability because I was just messed up! So I'm grieving, because I want my life back! I want my credibility back! My life changed the whole time I was married! Luckily by the grace of God I was able to work in a place with excellent benefits. Sorry to vent! This is depressing!
  12. imreddy

    My Credit is a Mess!

    Do I wait for AFNI to fall off or dispute? For some strange reason, I don't think that they every go away, because they keep updating. Thanks for the link. I'm gonna read the info. Yes I disputed addresses and old names. Some came off and some didn't. I started my credit repair back in April then stopped, because I thought I was gonna file BK, but I'm not gonna go that route. I really appreciate your responses. I need all the help I can get.
  13. imreddy

    My Credit is a Mess!

    1 public record is my BK discharged in 2002, 2 are tax liabilities, 1 is a recent judgement from a repo (which shows as a charge off too) As for cell phone bills with AFNI, att was placed for collection in 2006 (AFNI keeps updating, sigh) and Nextel now Sprint was placed for collection with AFNI in 2007. The phones were delinquent in 2005. AFNI keep updating. No I haven't read whychats removal method for judgments. Thanks, I really need some encouragement right now.
  14. imreddy

    My Credit is a Mess!

    Here I go again! I checked my fico for TU today and my fico is 486. I'm embarrassed to post. I was discharged fr BK in 2002. I was contemplating do it again, but I read the BK forum. Totally changed my mind. The only reason that I wanted to file was to discharge very old taxes and repo judgement. I read something about keeping my car...if I'm late one time after BK the bank would take my car without hesitation even if I'm only a day late. I've never been late with my current car not, however I have been 15 days late. Anyway, I've decided to work on getting collection accounts off of my CR and figure out what to do with my unpaid taxes later. I know that my taxes aren't going to go anywhere, but if anyone has had success with OIC please share. I'm currently on Long Term Disability and am on a fixed income. My score is based on: 9 collections (some recent medical, recent credit card charge off, AFNI for cell phone) 4 public records 2 good trade lines (auto loan, credit card) By the grace of God I was approved for a car loan in June 2008 with over $100,000 back taxes and I have a CC from 1st premier. I'm so depressed. I did this to myself and there's no excuses to be made! Is there a light at the end of the tunnel?
  15. imreddy

    AFNI

    Thanks! I will do this. I appreciate your fast response. There's hope after all with them.

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