HELP ME PLLLLLEEEEEEAAAAASE

Discussion in 'Credit Talk' started by Mckenzie, Aug 10, 2000.

  1. Mckenzie

    Mckenzie Guest

    I HAVE PAID A FEW OF MY BILLS LATE AND I WANT TO KNOW IF I WERE TO PAY THEM NOW. HOW LONG WOULD IT TAKE FOR ME TO CLEAR UP MY CREDIT IN REGARDS TO THE 120 DAYS PAST DUE THAT IS SHOWING ON MY CREDIT(WHICH IS PROBABLY 4 CARDS) 1 DISCHARGED CELL PHONE BILL AND A PROVIDIAN WHICH IS IN COLLECTION. I AM 23 AND REALLY REALIZE THE IMPORTANCE OF NEEDING CREDIT ....ALSO MY HUSBAND AND I HAVE A HOUSE BUT I DON'T WANT TO PUT IT ON MY CREDIT WITH MY CREDIT BEING SO BAD RIGHT NOW I WANT TO FIX IT FIRST ....BUT THE ONLY THING THAT SHOWS GOOD ON MY CREDIT IS MY CAR PAYMENT WHICH IS NEVER LATE AND THE MORTGAGE .....WHAT SHOULD I DO

    THANKS !!!
     
  2. steve

    steve Well-Known Member

    RE: HELP ME PLLLLLEEEEEEAAAAAS

    2 years, I'm pretty sure. I spoke with a rep at Fair Isaac who said 100 90 day lates that were 4 years old are better than a single 90 day past due 6 months ago.
     

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