ok, here it is.......first nat'l bank of marin (platinum card) $350 limit "pays on time" 2) beneficial "paid off, in good standing" 3) beneficial "paid off, in good standing" 4) cap. 1 "charge off", $1150 (plus alot of late pays reported) 5) car loan "paid off, no lates, in good standing" 6) emerge "charge off", $595, (alot of late pays reported) 7) kay jeweler "paid off, a couple late pays i have 6 hard inquiries i collection account $84 unpaid AND 4 judgements (2 are satisfied, 2 are not)! my fico score is 562 "PLEASE GIVE ME SOME ADVICE ON WHAT TO DO AND HOW TO GET STARTED ON THE CLEAN UP PROCESS" THANKS SOOO MUCH
charge offs - i think - are the easiest. settle for less than balance in exchange for removal of tradeline from your credit reports. get that in writing before you pay them a dime. i would recommend offering half of the balance and if you cant afford a lump sum, make monthly payments. this works on collections as well. this would also work on the unpaid judgments - except ask for the judgment to be vacated (removed) by the CA/OC. paid judgments - contact the courthouse that administered the judgments and see if you can get them "vacated" (removed) since they are now paid. (sometimes works, sometimes doesnt - depends on the courthouse) where i live, it doesn't cost you anything to do this and usually happens on paid judgments if you ask. and no, you dont have to have a violation on the CA/OC for them to do this.
i'm sure you already know this but dont do anything with the ones that are "paid as agreed" w/no late pays. on the accounts that have late pays (but aren't charged off) dispute w/the credit reporting agencies as never late.
no problem. its not as difficult as you would think. i'm in the lending industry and i still have to come to the web to find answers for some of my clients. ive had to fix errors on my husbands report (he's a junior) and in the last year his FICO went from 490 in march 2003 (w/a ton of errors) to 767 (as of the morning). keep us posted as to how it works out.
