My credit score SUCKS!
#21
Re: My credit score SUCKS!
Damn. I got 570 on the CreditKarma thing. I just paid off two old bank charge-offs like a month ago ($125 and $325). Both companies said they'd report the debt as paid, but f it's just as bad, it seems like this was not the way to go. What should I have done instead, if anything?
I'm also about to start making payments on an old (my first, from 2004) credit card. I owe $750 total and they want $125 a month. The guy said it'd look good on my credit since they'll change the status to "making ontime payments". Is this a good idea?
I'm also about to start making payments on an old (my first, from 2004) credit card. I owe $750 total and they want $125 a month. The guy said it'd look good on my credit since they'll change the status to "making ontime payments". Is this a good idea?
#22
Re: My credit score SUCKS!
Originally Posted by Secondaries
Damn. I got 570 on the CreditKarma thing. I just paid off two old bank charge-offs like a month ago ($125 and $325). Both companies said they'd report the debt as paid, but f it's just as bad, it seems like this was not the way to go. What should I have done instead, if anything?
I'm also about to start making payments on an old (my first, from 2004) credit card. I owe $750 total and they want $125 a month. The guy said it'd look good on my credit since they'll change the status to "making ontime payments". Is this a good idea?
I'm also about to start making payments on an old (my first, from 2004) credit card. I owe $750 total and they want $125 a month. The guy said it'd look good on my credit since they'll change the status to "making ontime payments". Is this a good idea?
#24
Re: My credit score SUCKS!
Originally Posted by ososlohatch
lol i have the worst credit .. im 22 and have nothing in my name :P
#25
Re: My credit score SUCKS!
If you want to improve your credit score, you need to go to http://www.creditboards.com/mambo/ and do a lot of reading. They have template letters to send, will tell you how to get free copies of your credit report and how to get things removed. Each situation is different, but they may be able to help you.
#27
Re: My credit score SUCKS!
Originally Posted by ghettoturbo
really? when i was applying for my loan with my gf they told us that if her score was below 600ish that we might have trouble.
Originally Posted by ToeJam
If you want to improve your credit score, you need to go to http://www.creditboards.com/mambo/ and do a lot of reading. They have template letters to send, will tell you how to get free copies of your credit report and how to get things removed. Each situation is different, but they may be able to help you.
Originally Posted by Jorsher
Dr Boost, write a "how to fix your credit" thread for all of us that fucked up
Hmmm....not a bad idea. If you really want to get into credit repair you should check out the creditboards website. I don't know ---- compared to some of the people on there.
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#28
Re: My credit score SUCKS!
I have an Idea, When my account went into collections they kept sending me bill after bill. Eventually they start decreasing and I ended up paying only like 40% of the actual total. Should I talk to the Collection Agency and tell them that if they take the charge off from my credit I will pay the remaining balance?
#30
Re: My credit score SUCKS!
Originally Posted by 90zcrex
I have an Idea, When my account went into collections they kept sending me bill after bill. Eventually they start decreasing and I ended up paying only like 40% of the actual total. Should I talk to the Collection Agency and tell them that if they take the charge off from my credit I will pay the remaining balance?
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