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Hey everyone, I would like to know if there are any ways I can fix my credit report and FICO score.

This is what I have that's adverse in my credit report:
Bank of America: 30-2, 60-4, 90-12, settled less than full balance, payment after charge off/collection opened 5/2004. Closed 12/2007.

Capital One: Settled less than full balance, payment after charge charge off/collection. Opened 3/2006. Closed 4/2007.

Capital One: 30-1. Account closed by consumer. Paid or paying as agreed. Opened 6/2004. Closed 10/2005.

Capital One: 30-1. Account closed by consumer. Paid or paying as agreed. Opened 8/2004. Closed 11/2005.

Capital One: 30-1. Account closed by consumer. Paid or paying as agreed. Opened 6/2002. Closed 3/2004.

Capital One: 30-1. Account closed by consumer. Paid or paying as agreed. Opened 9/2002. Closed 3/2004.

Capital One: 30-1, 60-1, 90-2. Account closed by consumer. Paid or paying as agreed. Opened 12/2000. Opened 12/2000. Closed 12/2001.

HSBC BestBuy: 30-2, 60-1. Account closed by credit grantor. Paid or paying as agreed. Opened 9/2001. Closed 8/2002.

HSEHLD Finance BNFL FINC: 30-1. Closed. Paid or paying as agreed. Opened 7/2000. Closed 9/2001.

Weels Fargo Financial: 30-1. Closed. Paid or paying as agreed. Opened 8/2003. Closed 1/2004.

Wells Fargo Financial: 30-2, 60-1. Closed. Paid or paying as agreed. Opened 1/2002. Closed 8/2002.
Closed 1/2004.

Sorry it's so long. Is there anything I can do? Can I fix my credit or at least increase my credit score. Thanks for any help, ed.

Posted: Wed Dec 19, 2007 5:45 am Subject:

Only negative I see is the settled account. Continue to repair your report and add new accounts.

Posted: Thu Dec 20, 2007 1:41 pm Subject:

That is great advice.

seeme · Posted: Mon Dec 31, 2007 12:07 am Subject:

how do i repair my own credit.Dont have enough bucks to hire a professional Sad

Posted: Mon Dec 31, 2007 1:18 am Subject:

Hi seeme

The first thing in my opinion you should do is to monitor your credit report. Get a copy of your credit report from each of the three major credit reporting agencies and review it properly. If you come across any errors, out of date or obsolete information or accounts that are not yours but are still included in your report, then dispute it immediately with the bureaus.

Contact your creditors or the source of information: In case the result of the investigation done by the bureaus after receiving your dispute letter says that the disputed information is not incorrect then you need to contact the creditors directly to argue your case. If you are successful in getting the creditor or the information provider to erase the disputed item from your credit report, then please make sure that you get a letter from them acknowledging the error.

Maintain the records. Keep all the documents properly related to these disputes and investigations. You can present it to the credit reporting agency if the creditor continues to report the error.

Hope this was helpful
Take care
Nelly

Posted: Mon Dec 31, 2007 3:41 am Subject:

Good Nelly you are always so helpful!..thanks for being here!!!!!!

Posted: Wed Jan 02, 2008 10:39 pm Subject:

Repairing credit on your own is the best way out, why do you have to pay a third party for the work that you can do it yourself.

Posted: Sat Jan 05, 2008 2:09 pm Subject: Credit Repair

You can repair your credit on your own by challenging those chargeoffs. Your best results would be to hire a reputable credit service. You will see better results and a lot quicker results. Some are very reasonable and have payment plans. If you need any more help just holler at me. I know of several that you could use.

Posted: Mon Jan 07, 2008 2:40 am Subject:

With so many fraudulent companies running around with the logo of non profit credit repair clinics one has to be really really careful. As Glynis commented above that with reputable credit services you can be benefited. Thus, if you are not willing to do credit repair on your own then it is very important for you to find a REPUTABLE credit repair. lam emphasizing it again - REPUTABLE AND AUTHENTIC.

Take care
Nelly

Posted: Mon Jan 07, 2008 4:22 am Subject: Thanks Nelly!

There are several things you can do on your own but it is very time consuming. While you are learning how to do it you can have someone else do it that knows what they are doing. Your credit can be repaired and done before you get to 1st base usually. I happen to work for one of the best companies and love my job. It lets me help people straighten out ther bureaus and get their life back on track. Who could ask for a better job than that!

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