ok i did it! some pif, some settled, some pfd, and they are all showing zero balance!!!! but my problem is my score-its mid 500s..and i want to raise it...i would like to buy a home in the next year or so, but i know i have alot of work left to do. the only open positive account i have is my car loan-paid as agreed..what should i do to raise my score? my negs will start falling off this summmer--do i need more debt to get a good score?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.