Your going to have to give everyone a little more information. How old are you and have you ever had credit? Being in your early 20's with no credit will have a way different answer than being in your early 30's with messed up credit. Are you hoping to make a large purchase in the near future or are you just looking to clean things up? Is your income low, middle or high - what resources do you have for rebuilding?
Improving your credit is a very individualized thing, that is why credit repair in a box companies do not do that great of a job. You have to tailor your plan to the individual and the particular circumstances surrounding the clean up to get the best results.
I am 46 and my wife and i have over 45,000 dollars in collection accounts we are trying to get our credit back to at least the 600's and thats bad but we are trying to rebuild our credit so we can in the next two years buy a house but for now we just want to get these collections off.Some are ours but most of them are from a insurance company from a old job that didnt pay the claims and i find it difficult to get these darn collection off i have tried to write the credit companies and they have taken some off but it is a nightmare please someone Help!!!!!!!!!!!!!!
Can you provide more details on your debts? What are the status of the accounts, and how many accounts do you have? Are all of these credit card debts?
I'm 46 years old, as well. My credit was HORRIBLE, a few years ago. As I followed people's 'guidance' on the Forum, I really started seeing my Credit score go up. Was able to 'dispute' some items and get them off my CR. Others, I dealt with the OC's, myself and was pretty successful. The Forum has alot of letter formats to use.
I have to get updated reports but mostly medical collections that are more than 120 days and most of all the accounts have been sold to third parties and i tried to dispute them but no luck i will get updated reports and them tell you more accurately whats on the reports but mostly medical collections.
Your going to have to give everyone a little more information. How old are you and have you ever had credit? Being in your early 20's with no credit will have a way different answer than being in your early 30's with messed up credit. Are you hoping to make a large purchase in the near future or are you just looking to clean things up? Is your income low, middle or high - what resources do you have for rebuilding?
Improving your credit is a very individualized thing, that is why credit repair in a box companies do not do that great of a job. You have to tailor your plan to the individual and the particular circumstances surrounding the clean up to get the best results.
Credit help
I am 46 and my wife and i have over 45,000 dollars in collection accounts we are trying to get our credit back to at least the 600's and thats bad but we are trying to rebuild our credit so we can in the next two years buy a house but for now we just want to get these collections off.Some are ours but most of them are from a insurance company from a old job that didnt pay the claims and i find it difficult to get these darn collection off i have tried to write the credit companies and they have taken some off but it is a nightmare please someone Help!!!!!!!!!!!!!!
reply
Hi cockroach,
Can you provide more details on your debts? What are the status of the accounts, and how many accounts do you have? Are all of these credit card debts?
Thanks,
Aaron
credit
I'm 46 years old, as well. My credit was HORRIBLE, a few years ago. As I followed people's 'guidance' on the Forum, I really started seeing my Credit score go up. Was able to 'dispute' some items and get them off my CR. Others, I dealt with the OC's, myself and was pretty successful. The Forum has alot of letter formats to use.
Credit help
I have to get updated reports but mostly medical collections that are more than 120 days and most of all the accounts have been sold to third parties and i tried to dispute them but no luck i will get updated reports and them tell you more accurately whats on the reports but mostly medical collections.