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old credit card went into collections long time ago. I would like to pay it and...another credit card off.

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It was a bad time for me. Actually more of a stupid once using one of my credit cards to live off of. I had let it lapse into collections years ago. another one is bouncing from 2,000-2,500. The bank canceled the second credit card because I was making late payments. So, like to know what it would take to restore my credit by paying these off. I know the damage is done. I want to buy a house in the US. I also had some old loans that were never paid off over 15 years ago. I think federal law is they are wipped off my credit profile. I tried to get a credit check on my self in the states but kept getting back info from a credit reporting agency as "not enough information" no idea what that is.


The end goal is to qualify for a house, a a repair/rehab loan if ....if I go that route or, obtain a loan from a hard money loan company. Other option is to being in a real-estate investor and use there money.


So, what do I need to do next? Also, is there any free credit check agencies online? Does my divorce from my wife show up in my credit report?


Thanks much!!




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Is this for Canada or the US? If 15 years ago, student loan rules for Canada changed around that time. If collection is on more than 7 years after last payment, it's supposed to be off your record.

Not enough information means no credit file to go by. Do you have any US credit?

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Is your debt Canadian but you want to buy a house in the US? They could have "not enough information" if you have no US credit. The poster above is right. We'll need more info.

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