My credit score SUCKS!
 

560 :o I had no idea it was that bad. Been reading on the net and I've seen that the biggest thing dropping my score is a charge off I had with SCBandT bank back in 07. It was only $150!!! ----.

I've been looking online and I see alot of websites are recommending Lexington Law Firm to help get rid of negative things on your credit report. Anyone used them before?

This sucks cause I was hoping to buy a house coming january but I don't know if I'll even get approved with that score.

Re: My credit score SUCKS!
 

take care of the charge yourself. Lawyers are legal scammers

Re: My credit score SUCKS!
 

I think hotrex's is even better then that :-X

Re: My credit score SUCKS!
 

I can tell you all you need to know to get your credit fixed. ;) You can get a loan for a house with that score. If you could get it up to around ~580 you would be golden. Where did you get that score from? Is it an actual FICO score? Anything other than FICO is worthless.

BTW, here is a FREE site that gives you your Transunion "FAKO" score. It's a worthless score, but it gives you a very general idea of what your credit score looks like.
https://www.creditkarma.com/
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Re: My credit score SUCKS!
 

I just got my credit reports for free, but they wanted to charge to show me my FICO score. Is there any place that does it for free?

Re: My credit score SUCKS!
 

nope and you can dispute that chargeoff for free thru equifax transunion and i forget the other one. I just disputed somthin on mine they took that ---- right off. my score is 780 but dont have enough credit history for it to matter.

Re: My credit score SUCKS!
 

If you paid a debt off, will it be removed or stay on there and show it was paid? Will disputing it get it removed?

Re: My credit score SUCKS!
 

Creditkarma shows 825 :-\

Re: My credit score SUCKS!
 

just did credit karma it showed 690

Re: My credit score SUCKS!
 

So how do I go about getting these negative things taken off my report?

I can dispute the charge-off but what do I say?

The only other directly negative things I have are a couple accounts that I made late payments on. Is there anyway to get those off?

I also have a $2100 car loan that I will be paying off shortly so maybe that should help a little.