Hi, I would first like to state that i'm very happy to have found this board, and I value each and everyone's post here. I'm on the path to fix my credit as i'm looking to purchase my first home in the next 2 years. My current score is 552 and my goal is to get 650 in the next year. I tend to think more optimistically! In looking through my report, I already find some errors (a charge off, when I had already paid the balance in full with a garnish) My first path was to sign up for Lexington, in which I just did last week and i'm somewhat sorry I did after reading the many posts about them. I hope you don't mind, but I will probably be asking tons and tons of questions (keeping the search function in mind) Thanks!
Your goal is reachable. I made my first visit here on October 1st, 2003, with a score 631. As of today I am at 688. I am trying to get to 720 by next October so I can buy a car at 0%. I was a 618 when bought my home and got a 5.5% VA.
Hi Greg, Thanks for the encouragement! May I ask what your first steps were? I feel so overwhemed at the moment.
How does this look: Collection accounts: CBA Collection â?? SBC pacific - $150 Bay Area Credit â?? SBC California - $150 Bureau of Commercial â?? Los gatos PD - $131 Bureau of Comercial â?? Pacific Bell - $109 California Business BU â?? Kaiser - $255 Calif Edison â?? Edison - $16 ~~~~~~~~~~~~~~~~~~~~~~ If for example, I wanted to pay each one, what is the chance of getting it dropped from the report?
If you want to pay then send a settlement letter w/deletion. Do not send payment with a note that says 'if you cash this check blah, blah, blah'. Send a letter first, there is a sample on this forum. When it comes back signed, then send payment, and use a money order or cashiers check, these are the last people you want to have your banking information. If after 30 days or so, it is not deleted off all 3 or your CR's, then you have a signed letter from them agreeing to delete with payment. This is a pretty effective way of getting deletions. I paid a few collections off before I found this forum, and I am still fighting to get them removed. I would offer any original creditors payment in full. The stuff that is with a CA offer a little over 50%. Send everything CRRR.
Thank you Greg! I guess I could reall challange it first, but I think it would be easier to get deleted if I offered settlement.
Thank you Greg! I guess I could reall challange it first, but I think it would be easier to get deleted if I offered settlement. sxc2k =============== NNS.
Re: Re: hello all! If for example, I wanted to pay each one, what is the chance of getting it dropped from the report? sxc2k """""""""""""""""""""""""""""' Not so good if you don't get payment for deletion in writing. THE END ** *** ** LB 59
