I don't know all the specifics of my credit history off the top of my head but back when I started college I had trouble with one credit card and one bounced check. The credit card was settled but since it went through several collection agents they still appear on my report. I have had no late payments or derogitory info in the past 3 years.. I have no idea what my credit score is or how to repair the damage that is done. Since I am planning on purchasing a home within the next year do you think it's worth it to hire an attorney to clear up the stuff on my credit report, I'd rather not pay a 9% interest rate.
Welcome to the board, lisamar378. Short answer, no, it wouldn't be worth it to hire an attorney, at least based on the information you've given us. If I were you, I would 1) get copies of my credit reports to have a better idea of what I'm dealing with; 2) search and read postings on this board that might pertain to my situation(s); and 3) put the money that I would have used for an attorney towards the home. Good luck, wajaba
"DITTO" and WELCOME! This board is ALL that you need to help you. It has been wonderful for me. I have learned so much in a VERY short time! You are smart for planning ahead, too. One year is not at all to early to begin your credit repair process. Good luck and see you around.
