All 3 credit reports and scores

Hello Bo, I have ordered all 3 bureau reports and I have TU =596, EquiF =783 Exper= 541
from the credit bureaus and from Freecreditreport.com
I sent out my disputes for Experian and TU so they should be taking the old accounts off and other inaccuracies. When I went to apply for a loan they said I have no credit scores? The service was Credit Link, they say I have no Beacon, Fico or Empirica scores showing - Why? Any ideas why the CR
agencies have scored me but Citibank, WellsFargo and 5thThirdbank for a mortgage do not see a score for me?
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i cannot answer that question
all i know is you might not have any current rated credit

Improving my credit and my husbands credit.

I am in desperate need of improving mine and my husbands credit score. Could you please give me a little direction on what I should include in any dispute letters and what i need to include to show that we have paid off most of the debts and would like them removed? Also, do you know whether i should send to all three credit bureaus or just transunion? I am very young and need a lot of advice. If you have time I would grealty appreciate any advice you can offer.

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I would just dispute them as paid

send copies of your drivers license and utility bill for indentity proof.

if you have documents you can make copies and send them with the disputes.

If the accounts are only on transunion.

That is the only place you should send the disputes.

I assume you have looked at all three reports
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I am not sure how I can fix my credit score. Paid Collection cell phone court

Im not sure how I can fix my credit score. I currently have paid off all my bills and collection fees. Really the only thing I haven't paid for was a few cell phones that I naiively opened under my name. I am now having to take these people to court. I paid everything off but I saw no changes in my score. I was denied cable and cell phone service. But have my power, water, gas, and rent all under my name with no problem. I don't understand, seeing that I just paid all these bills off after the fact? Help, any advice would be greatly appreciated.
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BECAUSE
paying off collections is not good credit....... you have to have good current credit
http://www.oskie.com/raise_credit_score_fast_quickly_free.htm
I must have at least 3 reported credit lines or personal loans that are current the past two years) and rated (open at least 12 months). This is the very best way to raise a credit score 50 -250 points over no more than a 2 year period and sometimes in as little as 6 months. it is that simple
you have no good rated lines of reported good credit
all you have done is paid off collections.paid off collections is just that. paid off bad credit. get new good credit use this
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.
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Credit for you. Student loans 120 days late and credit cards not reported to Experian

Hey there, just happened to stumble upon your website and read your story. I am in a similar situation now (at least I did not think i was) but let me tell you a brief synopsis about myself:
- Credit for 11+ years- Married- Have not been late on any payments for several years- Some inaccuracies on Experian report I need to square up- $0 credit card debt balances all have been paid in full and still open (4 total)
Here's my problem....
1.) I have been great at paying on time for year, but around 5-6 years ago I had student loans that I was not even aware of which went into default 120+ past days due several times. Since then I have never missed a payment. They are government lenders for Student Loans and wondering if it's possible to negotiate with them at this point because I keep paying and the balance goes nowhere!
2.) I have 2 joint Credit Card accounts with my wife in both of our names and both are missing from my report, including a huge mortgage we paid off since we sold our property last month. I couldn't believe it wasn't on the report.
I have to say when I opened up my score from Experian at 606 I was shocked. We make good money, never miss any payments for the last several years now but feel like I have been ripped off and now can't even think about applying for a mortgage at this point unless I get the score back up and feel totally helpless.
Any help or insight would be tremendous ~
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i would ask the student loan folks about the one time forgiveness plan they have on loans

you may not qualify and it you may not be able to change your past lates
but I do know they have a forgiveness program. I am not sure about details at all
just call them and ask them

your credit cards and mortgage may have been reported to the other two bureaus or just one of the other two bureaus
or none may have been reported at all
always get your report from all three bureaus

who was your mortgage with
who were your cards with. what bank AND were they a visa, master card, or american express? here again.
i would call the banks and ask if they reported
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Thank you for the reply. I will call the school loan folks and see if I can help myself first. Is it possible to settle for less with same lender and not have that show up on your report as being "settled or less"?
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not really
if you settle for less, why would someone say you paid in fullunless, they are desperate for your money and, you are a good negotiator
i would not plan on that happening.
it is good to get, the date of last activity and zero balance marked in stone though.
after 2 yrs, the settled for less becomes meaningless if you have good current rated credit and, the account shows zero balance
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how soon is to soon

I Have raise my credit score from a 514, 522and 520 to 610,620 and 620 in 3months. I have paid all my bills, but have three paid after charge offs on my credit report. however been able to open a new credit card...I know that i need three open lines of credit to get a good score, but is it to soon to apply for another card...(I open my card in april)
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i would try it for suremy wife always tells me to get my ostrich head out of the hole

Credit help

I truly have the worst credit in America and I feel hopeless. I have 11 negative accounts. that were all charged off. My credit score is 515. Where do I begin?> and from reading your website. I feel that by understanding the pattern given by you in details is the key concept to making agreements with the creditors but not to push my luck. Do I contact the original creditors or?
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contact em both
negotiate, validate and dispute before you pay. Get sign on company letter head agreements before you pay.
reopen anything that is possible with an upfront payment.
and get new credit started even if you have to pay a secured card to get something going
here is the best bad credit, credit card place I know of

Oh and no you dont
350 is the worst and there are plenty of them so hold your head up

Raise credit score question. Paid off accounts how much will my score improve

I would like to ask about credit scores. my son and I are trying to improve our credit scores. my son paid off all debts on his credit reports ( all three) and I am working onmine too. His score was 515 554 596 mine is 503 520 544 with all paid off do you know how high this will raise our scores. And how long does it take to do so. Thank You so much
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just do not close the accounts
i would hope these are not collections only
if you keep good open, reported, credit cards and car loans.
and this is what you paid off your score could jump into the mid 600's
if you only paid off only collections and have no reported ongoing good credit then your score will not improve much at all.
so get and keep new good credit that has been open for at least one year for best results.

My husband and I have past due on our credit reports

My husband and I have a lot of items that are past due on our credit reports and we are finally going to fix our credit. Do you recommend just consolidating everything into one monthly bill or take one bill at a time and negotiate one at a time? Thank you
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thats a case by case study
i would venture a guess
legally validate each debt first
then negotiate each debt, tell them you make one in full payment not a payment schedule
if you cannot find a creditor dispute the accounts
then consolidate all settled and non settled debts

My credit score is a 452. How do I raise it?

I have credit score of 452 and I am determined to raise it. I am a little overwhelmed, but my question to you is where should I begin first. Should I start with the most recent bad creditors and work my way toward the older ones. I have some that should be removed this year. Should I let them go? I already went to all three credit reporting places on line and started disputes with those who had wrong info. OK. Thanks for your help.
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i would try hard as hadees to work on anything bad from today back two years dispute anything on your credit report older than that and pray. get new reported and rated credit do what i did to fix my credit report with and how i negotiated a bp oil charge card charge off, if you have anything like thatjust charge your gas for a year to stay out o more trouble. and hope nothing else bad happens to you in he meantime.
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I am getting ready to make my calls. I am going to tell them I would like to settle my account and would they please totally remove it from my credit report or to report as paid in full as agreed. If they agree, I will ask for something in writing say they agree to that? Should I ask them to settle for a lesser amount? Or is that pushing my luck? I also have a car loan and two credit cards that I keep current on, so that should take care of my 3 open credit accounts in good standing. Had them for a little over a year.
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I called my first creditor. (Comcast). I asked if they would send me something in writing and he said that is a LEGAL issue and they don't do that. He said it was illegal for them to remove it. Best he could do would be marked paid in full after I pay it, so I said I would. Is the LEGAL part of his answer true??
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in truth yes
but they could change it and say it was their mistake, if they were asked, which they never would be asked. So legally they can change. most utilities do not negotiate. pay in full or don't. they reall do not care, because next time you go to get cable and they check your credit you are stuck unless you pay. the best ones to help you are collections and charged off credit cards which you reopen with full payment and a extra downpayment to show trust. in the end if you pay the bill you have one less unpaid bill in the past due column
AND
you have reduced your balance to high credit limit ratio. your credit may take a instant hit but it will quickly recover with new good credit that is at least 12 months on the bureaus books

Do we close all our credit cards but one or two to get our score higher

I have been doing a lot of reading and still can’t come to a conclusion on what to do. My husband and I have a credit score of 788. We have had a lot of debt but have always been on time. Recently we have worked really hard to get all our debt paid off. I am happy to say that we only have about $7000 left—we have paid off $20,000 in the last few months. My question is: Do we close all our credit cards but one or two? They all have a zero balance, but I don’t want to hurt my credit score. We are going to be applying for a home loan soon and want the best score possible. We currently have 4 credit cards and 1 line of credit, all with a zero balance. What is the best solution?
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i wouldnt close anything out as it lookss good to have a low debt to high credit credit limit ratios accross all your credit cards
788? good gosh dont worry be happy, my credit union used 684 for the best rates some mortgage brokers will maybe go as low as 5.5 30 fixed
but one normally has to pay a point even with a 788. i refuse to pay points
they have these huge fees, 3500 range for 30 yr fixed.
i think i am gonna sell my house in a few years
i got a 5.125 7 yr ballon with figuured on a 30 yr fixed
closing cost 1200 that way when i go to sell i haven't added 3500, plus a point or like 5000 more
and of course
they say no money down or refis, so what, they do is add the fees into your loan.
that really bother me
one needs to decide how long they are going to stay in the house and make correct decisions
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So how do you get out of paying points? One of my husbands (and mine) biggest gripes is the huge fees we are charged when we buy a home. Tell me how to get around that! The loan costs on a mortgage are outrageous.
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points add on to fees to buy down the interest rate on conventional fixed rate loans
i refuse to buy down rate or pay points PERIOD feees on conventionals
ad up, lenders fee 795, title fee 350, credit reports 35, deed search and on and on.
ask em what they are
they add up to 3000 dollars at most lenders but vary
my credit union will do 2800 but countrywide who has my loan called me and said 6.5 fixed with 3500 fees
i called credit union they said 6.0 with 2700
i called tyrone back at country wide and said DUDE
you have my loan now, you emailed and mailed and called me. and you can't beat my credit union. call me back when you can get REAL

i kept asking for lower fees because we plan to sell in less than
she said the lowest fees go with ballons
the bad end is ones credit could go south in 7 years and it might be hard to refi
OR one thing i found out when i refied this house. My friend with mortagage connection tried hard to get me to finance more and pay a point...... i refused. when i signed the paper i saw on one line that said brokers money. he got paid 3500 range as a percentage and would get like half the points had i paid them. it pi...... me off
i think 4000 to finance my home is too dang much. and i refuse to use a realtor for 6 percent. what are they smoking those crazy people. They have this high paying lobby thing. we are stuck until we break em up a little. it is happening as we speak. forsalebyowner.com gets listed in the mls.
this really p..... the realtor lobby off and they are still fighting-----------------oh i got lost.)^^%$#@@ sorry----------------the interest rate could go up and i might pay more money for a refi later since i plan to sell, i will have to refi anyways o i am willing to risk it, matter of a fact i have to risk it if i plan to sell and the fees are half for a ballon an the rate is lower 5.125 rate, 1200 - 1300 fees
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if you plan on staying
get a conventional loan an d pay th least amount of fees and rate you can call a credit union if you have one
a mortgage brokerand maybe your current lender ask each one to break down the fees.
tell them the best man wins, plain as day but with a conventional you will have to pay those fees you can find places that have lower fees tho

The collection agency and the orginator never notified me of my requirment

I sent the attached debt validation letter to an agency. The collection agency and the orginator never notified me of my requirment to pay this debt. I was never sent a letter or notice. When I sent the letter to negotiate with the orignator they said they showed I owed the money. They did not have any documentation that I did not pay or for the book. They said they had the incorrect address and when it came back to them they just sent the account to collections without trying to find out another address. The collection agency sent me a letter back with computer printouts of the school showing I owed money for the book, that my tuition was paid, and that I took the class, but no real proof that I owed the money for the book. What would you suggest I do now?
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was the book honestly not paid by you
how much is the collection you could negotiate payment and removal if you pay in full.
if the account is small i would suggest this route to be done with it sounds like they may not have validated the debt
also
might send the debt validation follow up letter
moving and finding addresses is one reason they have credit reports
that way creditors do not have to spend more than it is worth to hunt some one up they just slap it on your report and it goes where you go

FICO score question

How do I know what past debt to pay off first in order to raise my FICO score FAST? Is it true that I should pay the most recent items first? Thank you
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i would negotiate to have the most recent or less than 2 years old accounts removed from my report if i pay in full right notget signed on compnay letterhead agreement before you make payment in full if they will not remove it, pay it anway and, it will show zero balance which will help your score. anything more than 5 years old i might ait out for it to fall off or validate and dispute the debt hoping to get lucky my negotiation travails

Credit Inquires

I was reading all of your info about how I can raise my score up.... I had only 2 major credit cards so I applied for 3 cards on the same day...I as turned down for 2 of the cards but was approved for a Master card...I have been watching my credit score, the next day my credit scored dropped from a 585 to a 572 just like that... I understand its because of all of the inquires with in a period of time.... How long will it take for the inquires not take effect on my credit score????
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in 12 months your new credit will be rated and your score will go up big time

Get a mortgage with bad credit

I need help. I am having to relocate due to a new job and a divorce. After two divorces, my credit score is low…. About 522 or so. I have several credit cards that have been closed and are maxed out with untimely payments. I also have 2 car loans and a credit card with good payment history. The credit card is about 6 to 7 months old and is used for business so it may be maxed out for 30 days and then paid down to zero – about to pay it off again to zero. One car loan I have had since September of 2007 and it has always been paid on time. The other car loan I have had since 2004 and also has all on time payments with only about $4,000 left of a $26,000 loan. All of the other credit cards will be paid off in full over the next 7 days. I have now seen where I should negotiate to have these removed from my credit – what exactly do I need to do in order to accomplish this? How much can I expect my credit score to raise? I make a little over $100,000 a year. I have opted to NOT payoff the car loan that has $4,000 remaining but instead to continue making the remaining monthly payments. After next week, the two car loans are the only debts that I will have. I will also have approximately $15,000 to put down on a home and another $5,000 in the bank. I have found a house that I want and it is going to cost me approximately $145,000 (not including the $15,000 down payment). Got to love Midwest housing prices! Is this achievable and how much would you expect to see my credit score raise and in what time frame? Any suggestions appreciated as I am up against the wire in a town with no rental options…
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many mortgage lenders will insist the old outstanding debts be paid in full befor they can finance youi would ask if you can pay them offhow much they areand how old is the date of last activity you might consider a higher interest rate loan to start with for people with bad credit, but a god job and low debt to income ratio.I want to say it was a baqllon type loan where all i paid was inerest and is easier to quailify forand after6 mos, a year, 2 year try to roll it back into a conventional mortgageusually a local banker will work with local people who have god jobs to get them started I did this with traders national bank in tullahoma tni cannot remember what my score was but not good enough to go straight to conventional mortgageafter only 6 months i was rolled into another conventional loan and i did have to jump through as many hoops as I had been approved and paying on the house for 6 months. the only problem here is most cannot report your payment activity to a major bureau and thus your score is not helped in the least. go talk to a local banker recommended by some home builders.they know how to get people financed and where to go.

715 FICO score, how can i raise my credit report score

I have pretty good credit (715 middle FICO score) but I have a lot of debt. I mean like $100,000 in credit card debt. I know, I know, what was I thinking. It's a combinations of stupidity and despiration. I was young and stupid and put college on credit cards and then later a divorce and just life in general got me here. Having said that, I have never made a late payment on anything no matter how many jobs I had to have to do it. I just seem to hang on with God's help. I have a question for you that I don't think I have ever seen addressed anywhere. I wondered if you had run across anything that might help me. I have a lot of old accounts that are in good standing. I'm wondering if I should ask the credit agencies to take them off my report. I'm not sure if they hurt me because they are just hanging out there as potential credit that I could tap into one day. I haven't in the past 7 years, but they are still there and available to me and I'm wondering if that factors into my score. Is there such a thing as too much available good credit?
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680 FICO score is average
you are above average and should be happy with a 715

if you want neon super credit person, you might get it down to one credit card and one home loan.
plus your home loan should be less than 80% owed
and your card should be less than 50 % owed against high credit limit
so you can have a low balance debt to high credit ratio

but i doubt it hurts your score much to have very old credit you might possibly use one day

i have seen very few 800's
most haveonly about 3 lines of credit with almost nothing owed on them

715 is a great score and i like the flexibility of having open credit myself

I need a credit score of 680+ to keep my investment job

My credit score according to American Cred Co (mortgage credit check) is 680 EXF, 610 TU and 610 EXP.

However when I checked each bureau individually my credit score was over 700 with each one.

Without a 680 score across the board it is making my investment career impossible.
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you have no data for me to analyze mark
drop balance ratios to less than 80% 10% if you want to be super credit man
if you have tons of credit lines
consolidate them down to as few as possible

i assume you have no late payments

I'm implementing all of your suggested methods to improve my credit

I'm implementing all of your suggested methods to improve my credit. (I was recently turned down for a car loan.) My biggest problem is that my credit is young, so that can only be fixed with time. However I did have one question. How does a deferred student loan affect my credit? It appears as pays as agreed on my report, however it also appears in the debt to available credit ratio. Any idea?
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i dont know what your score is now at all three bureaus
or what else is one your report.

but i would guess 10-40 points maybe
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well my credit's in the crap hole to be honest. It's only 10 months old, each one of my cards has a late mark on it (60 days or less, nothing more). I have paid off and cancelled one card that was paid as agreed. I currently have three, $500 limit cards, and after seeing your site I will not be charging them over $400. All three report to my credit report. I have one student loan that is marked as paid as agreed.

Also there was one collections placed on my account, but it was paid, and I'm trying to get it removed. It was a medical bill, that was covered by my health insurance ($56) that I never knew about, so it went to collections. I paid it before I saw your site, so I'm trying to have it removed since it wasn't really my responsibility.

Thanks for all the help. Sadly, my credit score is barely 500.
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the insurance company should be on the hook for that
and the hospital should show, SOME help with a "this not my fault" transgression
i would open the bad closed credit card back up with the same account number
10 months of credit on a credit report does not a credit report make
12 months is rated credit so expect your score to go up if you pay these current accounts on time
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defaulted on 9 student loans and am now in garnishment

I have a question. In the past I was very careless with my credit and now am reaping the "rewards". How do I fix these problems. My score is 613 and shows I have 18 negatives on my acct. I had defaulted on 9 student loans and am now in garnishment. The loans have been sent to Texas Guareented and I am in the process of rehabing my credit. Each loan shows up as well as the previous creditor that originally owned them as "paid collections" or "transfered to another lender". I also have charge offs from credit cards. And I have 1 collection agency on my report. I do have an instalment that is up to date as well as two credit cards that are perfect. Should I negotiate with the two credit card co. to pay and remove the item and what about the original student loan creditors. Any help will be appreciated.
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i would first try to get lucky and dispute some of he old student loans and, hope maybe a few fall off.

I would validate the collection with debt validation and they do not comply call the state attorney general
see what i did with my charged off BP oil on my credit card
- Show quoted text -
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appreciate your help. I am disputing some of the closed accts. due to length of time (over 8 years) and are validating 3 others due to I don't know who they are. I hope it all works and thankyou again for taking the time to return my letter.
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Medical collections, paid off, duplicate accounts, 7 years old, refi my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info

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last question
if the bill was sold for pennies on the dollar to the collection's, they can collect, but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states, or cities, or accounts or whatever and find out if you can get some of that merged (deleted). Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

need to get my credit score up to 600 to refinance my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info
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last question
if the bill was sold for pennies on the dollar to the collections they can collect but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states or cities or account or whatever and find out if you can get some of that changed. Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit