Untitled
2 weeks ago
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.
How to clean up my credit
It made me
say - "YEAH!" 
"Daunting, confusing, time-consuming, stressful, frustrating and educational all at once!"
How I did it: I read everything and anything I could get my hands on regarding credit repair. I had worked as an investigator and developed excellent skills in fact finding and reading regulations so learning about FCRA, FDPA and how to capture the errors on my credit report was helpful. I requested all my credit reports from the credit bureaus directly and started reviewing every detail on who reported information in me, who inquired into my credit history, the codes that were used for my credit relationship, like balances, paid on time, lates, collection companies and dates, when the accounts were reported late and when they are reported as opened. I reviewed every detail to get familiar with the language and terms.
Lessons & tips:
- Be honest about your credit problem. If its spending, set up a budget you can live with; most credit problems begin with lack of budgetting and over spending.
- Read everything before you sign in it even the fine print! Credit card applications are loaded with tricks that can get you into trouble.
- If collectors call you, do not tolerate harrassment, let them know that you have no business with them!
- Confused about late payments to a credit card company, get the facts request a record of payment history - the answer that could lead to a deletion lie in the records you get.
- Be patient, your credit problem didn't happen over night, correction takes time.
- Be willing to make lifestyle changes that help you stay out of debt.
Resources:
- Fair Credit Reporting Act
- Fair Debt Practices Act
1 person found this helpful
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Entries
EmilyLenore is online too much today. The rain.
Cleaning up my credit.
1 month ago
I need a new life, one where I’m autonomous. I’m planning on a future in a new place with my children. I want a home with a yard, a place we can grow in. I need to have my credit fixed in two years so that I can get there.
Credit Clearing.
2 months ago
I don’t really owe a lot of money, but I have rubbish credit from when I did owe money.
This is bad.
I need to change it.
Challenge !
4 months ago
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 started today
5 months ago
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.
ldeann7 workin' on it
analyzing and planning
5 months ago
i cant say that i have made much progress but i can say i’ve put more things into perspective, i’ve started to pay my bills way before due, and as soon as i get caught up with paying certain bills ie traffic ticket, laptop lease and school fees, if i still have a job, i’ll be able to deal with my depts one at a time, some thing i did do was pull my credit and analyze what i owe and how long it should take me. i also get updates every few months so i can keep track and really make changes if neccessary, im in good spirits and i know this will take some time as other things in life take precedence but believe i can handle this. i just have to stick to the plan
ldeann7 workin' on it
Untitled
6 months ago
I want to bring my score up to at least 700 to start. A lot of changes have happened with my finances lately and now I’m only able to pay my reacurring bills ie lights gas food car note etc. I owe 3 credit cards a hospital, an overdrawn bank account and student loans but thats deffered right now…i give myself until 12/2009 to bring it to at least 600 and by 2010 to 700
hgfire238 is on that grind :(
500-
9 months ago
I have really never had very much credit, but I’ve found out that it doesnt take much. Just abuse the little you DO have! I’ve dug a hole and threw myself in, but Im determined to get it together…to make a better life for myself!
I want a credit history to clean my credit
9 months ago
I have moved away from the US but need to clean up my credit. I have no idea where to start
