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Sadeyes

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Hi there.

 

I just found these boards today and already I feel I am farther ahead just by reading them. My backstory is this.. I will keep it short and sweet. I was real stupid - Ex boyfriend/fiance took me for 50k and trashed my credit in the process. After a few years of being very angry at myself for being stupid I finally caught the lightbulb that said I was only punishing myself by ignoring the past debt. HE certainly isnt having any problems since the new wife has deeper pockets than mine.

 

I spoke to a morgage lender and he said I need to up my scores by 60 points to qualify for a house - which again pissed me off since I used to have a nice 760 - but oh well moving into the here and now, I was advised that I needed the collection agencies to send me a letter removing negative commentary off my reports as I got them paid off.

 

So far, Sallie Mae has refused to remove any negative comments (which I gather by reading here is their normal position)

 

I have gotten ONE thing removed completely

 

Today I was absolutely discouraged when I talked to the guy from AvanteUSA who not only was a jerk but said he was the boss and there was nothing I could do and no one I can talk to other than him( which I find hard to believe because why is the boss answering the call center phone?). That they wouldn't remove it from my CR and would only mark it off as a paid settlement, which I am pretty sure is just as bad as the collection sitting there.

 

My first goal (in the next 9 months) is to life my scores that 60 points so I can get a house and move across country, then I will work on cleaning the rest of it up.

 

So far today I have Opted out of the credit agencies sharing my info and sent off a check for a National City secure credit card. Both of which I hope will help

 

My scores right now are:

 

XPN 609

EFX 582

TUC 551

 

In any case I thought I would introduce myself, say hello and mention finding this board is the best thing to come out of my day.. So thanks :glare:

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Well I just wanted to say hello and introduce myself. My name is Deirdre (aka suzzane) and I have been reading the forums for a couple of weeks and I must say.....overwhelmed with all the information. I am working on fixing/bringing up my credit and I must say I think I found the perfect forum for help! So good luck everyone; Im going back to read more posts.........

 

Deirdre

Edited by suzzane_1999

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Hi everybody

I am so happy :D to have found this site, I am obsessed with it. I hope it will help me coz I am ready to make a change in my life by having good credit scores.

 

I have started out by mailing out goodwill letters to some of the Banks for late payments , and I have also send out dispute letters to dispute my personal information. My question is, I called experian today to dispute my address information, I asked them to update my address to the current one,and they refused to delete my old address, now should I just go ahead and start mailing out my validation letter to one of the collection agency that is after 30 days or should I keep pressing on for the old address to be deleted? Trans union agreed to delete the old addresses

 

thanks everybody

 

Newbie

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Hello everyone. Been reading on this post for a while now and joined a few weeks ago. Thanks for all the great info and help posted here. Gained a few new cl's as well including Hooters $1000, Chevron $300, Crown Jewelers $1500. Previously I only had a crappy First Premier $200 and a crappy Continental Finance $250 card. Also have had $500 Orchard for a while and been treated well with cli every 6 months. Its up to $1250 now.

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New to board. I have been looking at this website for a few days. After reading a lot of the posts I decided to act and try to clean up my credit report and at the same time raise my FICO score. I have sent a letter to Equifax describing 20 items that need to be removed. Don't know if this will raise my score but am hoping. This website is great.

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Hi Everyone. I am new to CreditBoards. I am in a rut and desperately need to repair my credit. My score was a 580...it is now a 450. My life seems to being going downhill instead of up. My credit cucking so bad is greatly limiting my potential to succeed in life and by this time next year I want my credit score to be at least 600...hopefully with creditboards help I can reach that goal. If you have any tips please do let me know!!! :blink:

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Hello everyone. My name is Brian and I know Im not supposed to use my full name but anyone that gets a hold of my credit and trys to steal my identity is in for a shock! LOL. Anyway, I found this board today by Devine accident so I joined today. I have been looking at cleaning up my credit for a while but had so many questions and couldnt find answers. This place is a God send. Finally, Im on the road to success. To whoever started this site, I thank you, my wife thanks you, my kids thank you, and my bank account will really thank you.

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Hello all!

I am new to this board :D

Husband and I have not filed yet, we hope to in about 5 weeks

Still tying up some loose ends

Looks like we will be in a chapter 13 for 5 full years/100% payback :P

But that's the way it goes~ I guess you take your licks just keep on lickin' :swoon:

I look forward in meeting new friends here~ having lots to talk about !

bjb

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Welcome bluejeanbaby!!!!!!!!!!!!! So glad to have you here! Haven't we met before? :P

I think you'll like it better here! :)

 

 

Hello all!

I am new to this board :D

Husband and I have not filed yet, we hope to in about 5 weeks

Still tying up some loose ends

Looks like we will be in a chapter 13 for 5 full years/100% payback :clapping:

But that's the way it goes~ I guess you take your licks just keep on lickin' :swoon:

I look forward in meeting new friends here~ having lots to talk about !

bjb

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Welcome bluejeanbaby!!!!!!!!!!!!! So glad to have you here! Haven't we met before? :P

I think you'll like it better here! :lol:

 

 

Hello all!

I am new to this board :D

Husband and I have not filed yet, we hope to in about 5 weeks

Still tying up some loose ends

Looks like we will be in a chapter 13 for 5 full years/100% payback :D

But that's the way it goes~ I guess you take your licks just keep on lickin' :P

I look forward in meeting new friends here~ having lots to talk about !

bjb

Woo- hoo Stot~ Yes we have sweetie!!

Thanks for the welcome!!

I look forward to this forum!!

I'm having a bit of a time figuring it out thou~ :lol:

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Yes, this site is quite a bit larger than the other site we used to go to.

 

If you want to stick to the Bankruptcy forum for awhile, it's easy to find. Just go back up to the top of this page and click in the credit boards logo. You'll see a list of different forums, scroll down the page till you see the bankruptcy forum and click on it. The first group of threads are "pinned" at the top for quick reference (like stickies on the other site). Just keep scrolling down till you see the current threads, and start posting! The bankruptcy forum is all together, it's not sorted out like the other site, but I think you'll like it here - no POWER MONGER moderators! giggle

 

Again, welcome - hope you had a nice Thanksgiving!

 

Welcome bluejeanbaby!!!!!!!!!!!!! So glad to have you here! Haven't we met before? :P

I think you'll like it better here! :lol:

 

 

Hello all!

I am new to this board :D

Husband and I have not filed yet, we hope to in about 5 weeks

Still tying up some loose ends

Looks like we will be in a chapter 13 for 5 full years/100% payback :D

But that's the way it goes~ I guess you take your licks just keep on lickin' :P

I look forward in meeting new friends here~ having lots to talk about !

bjb

Woo- hoo Stot~ Yes we have sweetie!!

Thanks for the welcome!!

I look forward to this forum!!

I'm having a bit of a time figuring it out thou~ :lol:

Edited by stot-n-ova

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Hi <_<

 

Found you guys looking for ways to help my BF repair his credit. Been doing alot of reading the past few days great site here.

I even tried a few things myself.

 

Hope to chat with some of you all soon.

 

Deb

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Just wanted to say hello and WoW what alot of information. :wave:

I have been reading the boards for several weeks now and decided to post and say Hello... Looking forward to a better financial future. :D

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:blush2: Hi everyone.. I think you have a great site here!!! This is my first post and I need some help. I went to myfico.com to order credit reports and scores 47.95... The order would not go through and customer service claims three CRA'S will not release information. Nobody seems to know why. I pulled free reports and scores a month ago through freecreditreport.com... apparently this is the source of problem.

All of this does not make sense because I am paying for it this time around???? What's the deal?

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:good: Hi everyone.. I think you have a great site here!!! This is my first post and I need some help. I went to myfico.com to order credit reports and scores 47.95... The order would not go through and customer service claims three CRA'S will not release information. Nobody seems to know why. I pulled free reports and scores a month ago through freecreditreport.com... apparently this is the source of problem.

All of this does not make sense because I am paying for it this time around???? What's the deal?

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subject: need advice

 

Myfico.com claims they are unable to procure credit reports and scores after failed attempt to order. They claim CRA'S will not release information, noboby seems to know why after speaking to several CSR'S. I ordered free reports a month ago from freecreditreports.com at the time was unaware of fako scores until visiting this site.

Can anyone tell me how I can get CRA'S to release reports and true fico scores?

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Need advice.

 

After 2.5 years of reading, planning, checking it out -- PROCRASTINATION CITY!! -- I"m still a newbie.

 

But I'm starting now.

 

 

Anyway, I waited...until three judgments reared their ugly heads. Went to court and got them vacated but with stipulations of settlements with the three creditors.

 

Are their any pitfalls I'm not aware of in just sending the CRA's copies of said stipulations highlighting the fact that the judgments are vacated and need to be removed from the CRs? I can only imagine.

 

Also there's another one from 2002 from my landlord, paid immediately which was actually a technical "judgment for possession" and should never have been filed as a money judgment.

 

Will just a letter from the landlord be sufficient for the CRAs to remove it? Do they even have to remove it?

 

Thanks so much for this wonderful resource!

 

VENCEREMOS!!!

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Welcome to CreditBoards!

 

Please begin by reading the rules of the forum and some posting tips (read only, no questions here):

Board Rules, Tips and Tricks

 

Here is basic reference material (read only no questions here):

Beginner's Credit information

 

When you are ready to join in the discussion, or have a question to ask, please join in our discussion forums!

Discussion Forums

You will find forums specific to general credit questions, automotive financing, mortgages, money management and bankrupcy. Additionally there is a forum for general (off-topic) discussion.

Please select the forum appropriate to your questions.

Thank you...I am new and this is all so confusing. Hard to understand and ask a question. Hope I can get some help. TY :unsure:

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