I have bad credit. And I am trying to fix it.
Bad thing is that I already made pymt arrangements for my Target, Household (which was sold), and my Capital One Card which will all be paid in Jan.
and show PAID IN FULL.. I didn't negotiate. I didn't even know how. So once I am done with paying those off how do I go about getting them to show Pays as agreed on my credit report and taking all the bad off? I know I will have to request a new card, so I guess I am trying to figure out how do I go about getting them to show pays as agreed and taking all the bad off my credit report? Please help me..
I am a single mother of 3 and I am trying to clear my credit report. I do have JC PENNY AND SAMUELS that I also need to pay but haven't contacted them just yet. I am taking care of these 3 first. Target will actually be paid off on Aug 8th and then they will send me a Release Letter, when I recieve that should I fax it to the 3 credit bureaus?
---------------------------
they should all report to the bureaus that your debt is paid
or it is a violation of the FCRA but you might need to ask or make sure they do that
zero balance owedthe past bad and late marks will not be removed unless you pre negotiated. UNLESS you re open the same accounts with a down or pre payment
and pay good for 12 to 24 months
then ask them to only report the past 24 months activity.
sometimes this can be done sometimes not. if you wish to make sure stuff shows paid without calling
just dispute the accounts with the free dispute form on my website
say paid in full and as agreed.... you might get lucky and get thatmore than likely they will return reciept showing paid off zero balance fax nothing
certified delivery mailyou can mail the release letters.
make sure you include copies of your drivers license and electric bill
---------------------------
On the Form it shows Account paid in full is that what I check?
Do I have to do anything with this part of the Form

And I live with my Mom so I don't have an electric bill.
What about an account statement?
Who do I send this Form to? Sorry I am new at this.

Also, If I do this

Overlap past bad credit with present good credit. Do like I did. Mail BP OIL $200 and ask to open an account so you can establish credit, then charge your gas. YOU HAVE TO BUY GAS. Pay some extra each month. Use this letter. What if they cash the money order and I don't recieve a card? How will I get my money back?
----------------------
I would check account paid paid in full and check account never late and status incorrect
you have included only the collections section.
are you saying you are dealing with collectors and not target and the other primary or first lenders
if so let me know

send in a copy of your social security card with your license

the addresses are on the second page of form
transunion, experian, equifax
----------------------
call them before you send in the application
tell them what you are doing

this is a great card
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card.
--------------------
Dealing with the collections people..
--------------------
well you sould call the original creditors too
tell them what you want to do
fix your bad credit with new good credit
-----------------------
I was thinking of just calling lexington..Is that good?
-----------------------------------
http://www.oskie.com/remove-collections-judgments-from-credit-report.htm
http://www.oskie.com/credit-cards/bad-credit-no-credit-secured-cards.htm
---------------------------