okay just ordered my credit scores: 584 is average score on all three. My main problem is having gone through EDR the payments are late. What can I do to improve this? By March 1st all balances on delinquent cards will be zero and closed out. (4 accounts) settled at amt less than balance.(3 of 4 already at 0 balance what can I do with these?) Also, why is my mortgage not listed on my credit report? Have been paying 1100.00 two years always on time with extra going to principal? I have cards on my report I forgot about from college..applied, got em, never used, shoudl I keep those as they are zero balance with credit limit and not delinquent? What can I do to try to improve my score? Is there a credit card I can apply for with zero annual fee? I don't care what finance charge, I just want to have one with a lttle balance that I pay off to try to raise my score. What are my options. Please somebody help I am desperate at this point. I have $$ to pay, just found myself in a bad situation with Emergency debt relief. Thank you to anyone with some answers. erin
thanks for response! Is there anything to help those "settled for less than balance" statements. Also, the balances show $0.00 but they aren't showing a closed status. I would rather have them be closed, right?
