clean up my credit

Tremendously improved credit, but still in the pits. I’ve decided that I don’t care about credit. Get money, fuck credit.
I feel empowered already.

I challenged a few items on my credit report and YES they dropped off…some did anyway. Deleted like they weren’t even there. Kool Aid Smile

I defaulted on a department store credit card long time ago. I sent them a nice note saying, “Even though I owe you $620 I will only pay you $350 and you will mark all three credit bureuas PAID IN FULL. And if you don’t you’ll never get any money from me”.

I wrote similar letters to three other collection agencies.

I’ll let you know how it works out.