Seriously need help!!!!
Date: Fri, 09/24/2010 - 11:44
I have got all the 3 reports, I have opted out, and I have updated/removed as much personal info. as possible. Current scores are all around 575, I want to be at a 620 or greater a year from now. My main aim is Home Ownership. I have a bunch of good marks, and just got approved for a Cap One card so things are improving and I have had a current auto loan for the past 4 months.
There about 15 negatives to fix! It seems like a daunting task!!!
I got 2 active collection accounts, 1 is out of SOL (January 2006), the other is still within SOL. Should I dispute?
I have 5 student loans which came up as negative for being 60 days late in 2008, now they are marked as current but deferred. I'm guessing my only option here would be a "goodwill letter"
The remaining negatives are mixtures of:
"Charge off as bad debt, purchased by another lender", "Payment after charge off/collection, Paid", "Settled for less than full balance".
What should I do with all these? Should I dispute?
There about 15 negatives to fix! It seems like a daunting task!!!
I got 2 active collection accounts, 1 is out of SOL (January 2006), the other is still within SOL. Should I dispute?
I have 5 student loans which came up as negative for being 60 days late in 2008, now they are marked as current but deferred. I'm guessing my only option here would be a "goodwill letter"
The remaining negatives are mixtures of:
"Charge off as bad debt, purchased by another lender", "Payment after charge off/collection, Paid", "Settled for less than full balance".
What should I do with all these? Should I dispute?
A 2006 account might be out of your states SOL for suing but it
A 2006 account might be out of your states SOL for suing but it is still well within the credit reporting SOL which is 7 years from the DOLA.
