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Found 3 results

  1. Hello, so I am trying to purchase my 1st home, and unfortunately I have less than 3 months to do so or I have to move. I am 50 points from qualifying for the mortgage and this is what I have on my CR: $2885.00 Chr. off with Amex that's about to turn 7 years $1492.00 Chr. off with capital one which I have negotiated a settlement on for $750 $500 medical collection. I need advice on what I can do to get my credit score as high as possible with in the next 3 months. please help! much appreciated!
  2. I applied at RBFCU over the past few days and was declined - supposedly my TransUnion score was a 119! (told verbally - asked them to repeat it twice) No idea how that is possible or how that is being calculated - not all that familiar with TU. I didn't even think a score could even be that low - apparently I need to pull it myself and see what is going on..my Experian and Equifax were in the low 700's 30 days ago. I never bothered to pull TU since it seems to be so rarely used. Apparently RBFCU uses it tho. Any ideas - this a new low?
  3. Hello! Long time creeper, first time poster! I'm starting to get really fed up, frustrated and embarrassed of my situation and have no idea how to fix it. Back when I first turned 18, I applied for a credit card ($500 limit) and was approved straight away. I lost my job about a year later and was unable to make even the minimum payment on my balance (it was completely maxed out because I was an salamander with spending) and it went into collections. This credit card that went to collections still pops up as an "active card" with every place I've applied to get a credit card (including my
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