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Showing results for tags 'charge-offs'.
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Greetings! I am new to the board and I am eager and excited to start repairing my damaged credit. To make a long story short, I have about 7 charge-offs totaling just under $4500. I have not started to send disputies to the CRA's yet. But I have been using DV letters the debt collectors. So far so good with that. No problems, yet. My question is how should I start with the CRAs? I ordered a "best selling" book on Amazon to help me stay orgainzed (I know not to follow word for word) but I am also going to use the tools that are on this board. Can someone give me any good tips or advise to get started. I would love to hear successs stories, I need my hopes to be lifted because I do understand that this is not an easy process.... Much appreciated! -
Hello guys, I am a new guy on this CB and I have a very serious issue. I have been reading success stories and wondering how I can solve my credit issues. I visited a family overseas and I thought I was going to spend 2 weeks but when I got there, more issues popped up and kept me there for 4 months. I missed all credit, student loans, medical bill payments for up to 4 months. Now I am in hot water, I need your advice. I just came and I haven't talked to any of my creditors. some have sent my accounts to collection agencies, others charged-off(whatever it means), others just posted lates: 30, 60,90,120 days... other accounts are on their way to collections... I am just pissed off and I need a clean Credit, sorry it sounds like I am not going to have this credit any more but hey, please send your advices and I appreciate your contributions towards better credit. -----------------------------
