My credit score SUCKS!
05-24-2008, 03:42 PM
#1
1.5 BAR
Thread Starter
Join Date: Jun 2003
Posts: 911
My credit score SUCKS!
560 
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.
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.
05-24-2008, 04:10 PM
#4
3.0 BAR
Join Date: Mar 2003
Posts: 21,479
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/
__________________
Best Car Insurance | Auto Protection Today | FREE Trade-In Quote
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/
__________________
Best Car Insurance | Auto Protection Today | FREE Trade-In Quote
05-24-2008, 04:22 PM
#6
1.5 BAR
Join Date: Jul 2003
Posts: 1,368
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.
05-24-2008, 04:24 PM
#7
3.0 BAR
Join Date: May 2006
Posts: 5,322
Re: My credit score SUCKS!
Originally Posted by tekno9998
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.
05-24-2008, 04:39 PM
#10
1.5 BAR
Thread Starter
Join Date: Jun 2003
Posts: 911
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.
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.
