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Hi. I've been trying to get my credit score up- I'm embarrassed to say how low it is, and need a question answered. I took out two 'bad credit' credit cards and I'm trying to not miss even one payment on anything. I signed up for MyFico.com and when I got my first credit report it said that my last late payment was Feb. This was for a card that was charged off and sold to a collection agency, that I'm dealing with. Can Chase charge off my credit card debt, sell it to a CA and STILL report that I'm not making payments to them? How long before a debt is considered bad? After 120 days? Thanks in advance for any help.
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Hi guys, First, I love this forum and the dedication to the science of credit report hacking here, and some incredible success stories... So I just got an alert from EX that Verizon added a fresh TL with a KD (screenshot). It looks like this is from an old account 2 addresses ago, and I wasn't getting the notices via mail/email. I'm ready to aggressively do whatever I can to have this TL *deleted* from my account, but I want to take the right steps in the right order. I just read this guy's Verizon success story here, and this is very encouraging (though, it looks like a lot of work!). Since this was just posted today, I haven't contacted Verizon or made a payment yet. I wasn't sure if I should do that immediately. Any feedback is appreciated!