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Showing results for tags 'DMP'.
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I just noticed something on my EQ report, haven't looked deeply into TU and EX, that 3 closed accounts, maybe more, that i had in a DMP with Consolidated Credit Counseling are still reporting on time payments after being closed. there were a total of 7 but 4 of them stopped reporting in 2011 when they were paid off. These three, Sears, Chase, and all three GERCB cards keep reporting on time payments up until last month. I don't know exactly what this is or why but i don't know if i should dispute them or what. No bad data other than i keep paying them nothing. They all show paid in full and closed. its just weird. Any thoughts? All show dates reported in 2014. -
Hello Everyone! Been lurking this forum for the past year and finally decided its time to fix my credit. I am still young and would like to raise my score to the 700's over the next 18 months before I settle down and all that jazz. My current score is 624 and all of my debt is relatively small the biggest one being $3,800 from citibank. The citibank one has been taken to collections. The other two are $600 and $200 from medical bills which both are in collections. I am rounding up grad school and just got a job and I believe I can easily pay these off aggressively. I am wondering if I should go with a non profit counselor agency that can help me reduce the interest rate of my citibank amount and help me pay off the others or should try to go on this journey on my own. Also one of the debts is like $83 with a Macy card. I want to pay them off but I am trying to figure out a way to do this and they do not just close and charge off my account like the VS card. Any help will be greatly appreciated!!!
