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hey im new to this board and iam starting to use it as a resource guide to understanding credit ......

 

 

r@ndy

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Hi there - just found you guys yesterday. Want to say hello and thank you for such a great resource.

 

My eyes are near to bleeding I have read so much. (10 hours in the last 17)

 

I look forward to helping my DH rebuild his credit, and get mine back to where it should be, baddie free and rollin'!

 

Best,

Anna

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Hello. Just got my articles of incorporation in the mail and Im trying to soak up al the knowledge I can.

Thank for this place!

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Hey all,

 

I was referred to this site from a different message board. A ton of info here but I have no idea where to start.

 

A little background: My situation is not that bad but want to clean it up while I have the chance ( and before child # 2 arrives).

 

We have 3 cards with about 15G but the rates are through the roof on 2 cards. I'd like to get those 2 cards down to near nothing & have about a year to do it.

 

I'm trying to figure out the best course of action to do this but am overwhelmed by all the info on this site.

 

Any help/ direction would be appreciated.

 

Thanks.

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HELLO ALL, My Husband and I are new on the boards. 2007 brings us the year to throw away all credit cards (we are keeping AmExp and our MasterCard tied into our debit acct)!! We have been very proactive in canceling all cards...writing to them requesting that they CLOSE the account. We had too many revolving accts. They were paid off but we have been told too many revolving accts is not good. We have put blocks on our credit reports to stop them from posting what cc companies have been sending us appl..from Captial One to Bank of America to Discover to Chase to Citi!!!

 

We have allot of cleaning up to do and have allot of college bills as well.....!!!

 

Where on these credit reports do you find your SCORE??? We have a report from Trans Union and Experian!!! I did not see a score for us.

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HELLO ALL, My Husband and I are new on the boards. 2007 brings us the year to throw away all credit cards (we are keeping AmExp and our MasterCard tied into our debit acct)!! We have been very proactive in canceling all cards...writing to them requesting that they CLOSE the account. We had too many revolving accts. They were paid off but we have been told too many revolving accts is not good. We have put blocks on our credit reports to stop them from posting what cc companies have been sending us appl..from Captial One to Bank of America to Discover to Chase to Citi!!!

 

We have allot of cleaning up to do and have allot of college bills as well.....!!!

 

Where on these credit reports do you find your SCORE??? We have a report from Trans Union and Experian!!! I did not see a score for us.

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HELLO ALL, My Husband and I are new on the boards. 2007 brings us the year to throw away all credit cards (we are keeping AmExp and our MasterCard tied into our debit acct)!! We have been very proactive in canceling all cards...writing to them requesting that they CLOSE the account. We had too many revolving accts. They were paid off but we have been told too many revolving accts is not good. We have put blocks on our credit reports to stop them from posting what cc companies have been sending us appl..from Captial One to Bank of America to Discover to Chase to Citi!!!

 

We have allot of cleaning up to do and have allot of college bills as well.....!!!

 

Where on these credit reports do you find your SCORE??? We have a report from Trans Union and Experian!!! I did not see a score for us.

 

 

I hope I am doing this right, but I did a couple things, went to www.myfico.com and got a free trial and it is the equifax score (but canceling it before the 30 days) I paid for my scores with experian and transunion, at their sites. It was like 4.95 I believe.

Janie

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Hey all,

 

I was referred to this site from a different message board. A ton of info here but I have no idea where to start.

 

A little background: My situation is not that bad but want to clean it up while I have the chance ( and before child # 2 arrives).

 

We have 3 cards with about 15G but the rates are through the roof on 2 cards. I'd like to get those 2 cards down to near nothing & have about a year to do it.

 

I'm trying to figure out the best course of action to do this but am overwhelmed by all the info on this site.

 

Any help/ direction would be appreciated.

 

Thanks.

 

 

Where to start: Newbies Start Here ( on main forum page) read the awesome info, it may take days and nights and days and nights to read and re-read but its such amazing info, and is so helpful, I have been finding all kinds of stuff, also while I was and have been searching this site out, I found that at the bottom of the "Newbies Start Here", section (scroll down) it has a box on bottom right side that says topics, there are sample letters, and many many different topics there, BUT I would read the newbie section, I got this info from a friend too, and of course I was in a rush to get started and paid off a few bills, that I may not have had too, and also it may hurt me later <_< I hope it doesnt ) but it may, so really read the newbie section, it helps us that dont know how or where to begin. To get a copy of your credit reports go to www.annualcreditreport.com and you can get all 3 there for free once a year. GOOD LUCK

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Thanks so much for the welcome. I already feel at home. There is so much to learn here. I've been bouncing all over the board reading posts. This is becoming addictive! :wave:

 

 

I soooooooo agree, I have been here alot too, up til 6am the last few nights reading and reading and this site is the greatest, I just wish I found it alot sooner. I do have a question for someone though, what do you do when you get a letter from an attorney for a credit card that you closed the account for, and the bill at that time was 200, went way up to 400+ even after making a payment due to high interest i believe, now is over 800 dollars, I didnt know if we can send them letters like the ones in the letters area? Please help? You all have already helped me out so much. My scores right now are 526 experian and transunion, and 557 equifax, I have less than 2000 dollars on my report and a good credit card and good loan and another good credit line, the bads are a few old utility bills, and 2 bankruptcies from 1998, and 2000 which I never followed through on, and shows dismissed on my report, why are they there if I never followed through with them?

Thanks all for this site,

Janie

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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.

 

 

Hey I have to tell someone, I just started this site like 2 weeks ago if that, and I began the dispute process with the CRAs and guess what my first deletion was Dept of Education for a student loan it was deleted by transunion as of today, thank you all so very much for this awesome site and info, I have been not sleeping and reading here til 6am lol, I am so addicted now.

Thanks,

Janie :)

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Hi everyone. Thanks for the Welcome. I'm new (of course) and have lots to learn. But I have to share.... my credit has been so bad for so long. This is because I've found it completely overwhelming. NOT ANYMORE. I have lots of work to do but am looking forward for my score to improve.

Thanks to everyone that posts answers! I'm all ears. Right now I've started a dispute and am sending letter to CRA to remove items. Keep your fingers crossed! :)

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Yet another noobie here. Just wanted to use my 1st post to say hello and thanks for all the great info.

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was referred here by a friend. looking forwarding to getting answers to questions and to improving my credit. :clapping:

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Thanks to this site I've gained valuable information, one withstanding, as a newbie, am I limited to being able to post questions? I am asking for advice on how to pursue a mortgage with a bk on file being resolved in 11/05, if you can help it would be appreciated thanks.

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Hi, another newbie.. I am so excited about trying to clean up my credit reports. I have a lot of Medical collections so I will probably mainly hang in the thread.. :P

I can't wait to learn so much from all of you.

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HELLO ALL!!!

 

I am a new poster, but I have been reading and READING... SO much to learn! This is like a full time job!

I thought I made a HUGE error by settling with a CA, final payment due Feb 07. I was sure they would just keep taking money out of my account, but HOLY COW, I got a "paid in full" letter from the yeaterday.

Now to get it off my reports.. I am hoping this is good Karma! thanks for this board, it gives me tremendous confidence!

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Hey all! Yet another newbie wanting to get that first post out of the way. I've been reading so much I have brain ache.

 

I do have a ? that I'll post elsewhere - I've been searching/reading for hours and haven't found an answer.

 

Look forward to all the great advice & knowledge!

 

Cath

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I am new to the boards and trying to clean up my credit from a bad divorce. I have two questions my first how do I see what information the chex system has I went to get a new bank account and they said there was one item in the chex system. They didn't say what that there was. How long does it stay and where can I find the address for them? My second question is after reviewing my credit report I noticed there are quite a few names errors on my credit report as well as addresses one of them is my ex-husbands new address. Writing to correct those items will that make my credit report look a little better.

 

I have been trying to get an apartment but they keep turning me down they say because of credit what does my credit score have to be before they will let me rent an apartment.? I need help ASAP.

 

I tried to post a question but I kept getting an error message. Any suggestions?

 

:angel:

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I'm new to the boards. I am currently 27 and have not had any credit since I was 18. Getting ready to buy a house, I finally got into looking into my credit report. I have utility bills that I never got the last bill when I moved, payments missed and everything. It looked bad. I have been paying everything off and luckily after it was paid, they removed it. Now for the Final 3 and hopefully I can get some credit.

 

#1. Capital One Auto Finance - $6000 Charge Off

#2. Student Loan - $5000 Never Late // Perfect

#3. Collection (Woodcliff Estates) - $2500 (Fraudulent, but can't seem to fight it)

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Thank goodness I found this new Beacon of Hope. I have been looking online for help for some time and I think the information found here will help me quite a bit.

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Like Sugar....been here a while, no need to post. It's overwhelming but great. I just can't remember where everything is!!! :clapping:

Edited by MelSquilly

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