Improve your credit score

thanx sally. how would i go about finding that first default date?

Will settle a credit card debt damage your credit?

I've had two utility company charge offs on my CRs for a few years now and have had trouble getting them off. I'm new to the whole credit repair and glad I found this forum. One is Scana Energy for $98. It says "Paid,Closed. $98 written off." Confused on the date the SOL starts on b/c there is a "reported since" date of 01/08 and a "date of status" of 05/09 and a "last reported" of 05/09. This is only on Experian and Eq. reports. Says "Charge-off" on the Eq. report.

I need advice........I am trying to repair my credit.....I am not sure if I am doing it properly. Please help!

Went through a Loan Modification 6 months ago-Complete

Paid off alot of small credit cards.

Left with

1) 1200.00 Gas Card

2) 2000.00 Loan

3) 200.00 Store Card

4) 700.00 Store Card

5) 500.00 Capital One

Help......

I want to build up my credit and try to get better credit offers.

My boyfriend and I trying to purchase a home together. We have paid off all of our collections and paid down our two credit cards. I am 14 points away from qualify for a home loan. We both need a 640 credit score. My mortgage broker suggested having a family member or friend add me as an authorized user to one of their credit cards to give me those extra points. Does this really work? I am kind of embarrassed to ask someone to help me so before I do I want to know if it is worth the trouble.

I owe a bill for $575.00 I was given a settlement offer of $287.00 from a CA. If I pay this amount, will it be taken off of my credit report? I have read on this site about a pay to delete letter but I know nothing about that. Do I have to send the letter first before I accept their offer? I would like to accept the offer and get it taken care of. Thanks for any help.

I was laid off for many almost 8 months, ending just over a year ago. We were forced to concentrate our savings on covering essentials like our mortgage, utilities and groceries. As a result, virtually all of my previously existing accounts are in various states of negative status. They total about $27,000 (excluding my mortgage) across 10 accounts. 6 of those are charge offs, the remainder show severe late status.

I have paid off all my debts. However they show ""Potentially Negative Closed"" with nothing in the payment history box. Like it's all empty.

Is this hurting my score?

Hey Everyone, i got a 501 score and have had a secured wells fargo card for two years(300). But the whole time I had it, it has been over its 200 dollar range. once over a year ago it was late by 30days. but been on time ever since. Recently i want to buy a house so i need to start getting on this. i paid it off the other day down to 10bucks and have just a few old medical bills on CR. less that 2K. and they are old.

i know that the hard inquiry gna stay on my record for about 2 years, and it will lower my credit. i have 9 hard inquiry!!
1.how much credit that will be.
2.it lowers my credit for 2 years, but after 2 years, it will automatic come up?
3.how do i find out which company did the hard inquiry on me?
thank you!