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Credit Boards has great answers. BAL HICR ratio

i would be willing to pay for some professional critique
maybe I AM stupid or terrible. i dont know. all i know is what works for me.
so if you are willing to share your positions on my terrible
i would pay you.
say 100.00 for 5 good reasons or instances of terrible
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The bad advice I saw was that people could raise their score by payingtheir cards down to 80% of their limit. That kind of usage will drop your score like a rock. Ideal is under 20%. 50% is passable. Thanks for being honest about it. We know - we've been doing this a while now. Our board is heavily moderated. Most of the other credit discussion boards will let you post links if you are participating, but if you just sign up and spam them they'll get mad. They don't have our level of expenses, so they don't care about getting agood price for their ad space - or they don't know any better.
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thanks for the reply
i worked 12 years in automobiles and finance
I actually had many people pay down balances to less than 80% and i could get them financed because the score jumped big time. even my boss who now is a banker had it happen to him. went from 720 to 600 and back to 700 over the 80% thing. he bought a motorbike on credit (that put him 100% on that line of credit) and jammed up one card. He sold the bike and paid his card to less than 80% on my advice and bamm.
So this has been done by several people I know. It's been 2 years ago but i would assume it still holds true. What the hey?

At least terrible is not as bad as i imagined, and you are very nice to answer me back as i know i have hit the wrong button with you folks. I hate it when i get these cash advance comments on my blog with a link back to this cheap site. I am sure thats how you felt. Sorry

have a nice night
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www.creditboards.com
Paying down balances always raises scores, that's true
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i must agree. 20% - 50% are optimum BAL balances to HICR ratio's.
enter balance, then / divide high credit limit figure and press equals =.

Trying to get my score up to purchase a home

Thanks for the quick response. I do have 3 open lines of credit in good standing. I have not gone over the credit limit nor have I made any late payments. One card increased my limit by $250 and another will be increased by $200 in 3 more billing cycles. Unfortunately, I opened 2 of the accounts less than 6 months ago (nearly 4 months ago). I know that is not long enough..... I have had the other card for over 1 year. They each have less than a $10 balance on them. One has $5. One has $2 and one has $8. I saw on your website that it is a score booster to keep the cards at less than 80% of the balance. I am trying desparately to get the lowest score up. I just don't know how to go about doing that? I had a negative item deleted from my credit report which allowed my Experian score to go from a 628 to a 640 in less than a month. Any suggestions would be greatly appreciated. I am going to try and purchase a home in a couple of years. I don't want a lender to reject my loan or to give me an astronomical interest rate.
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your high credit limits are low too
you have whats called a thin credit file
one needs some pretty big high credit to go for a home loan
if you have 10 to 20 % down you should be ok thought
ask to have your credit limit increased on those cards.
the 630 credit score range will get most people financed if the credit file is thick
your job is good and youve been there a while?
youve got a good downpayment

anything can be overcome with a downpayment.

Insurance collection on my credit report. I have no idea what it is for

I have an account on my credit report that I have no idea what it is for. There is no money amount. Under comments it says paid was a collection account insurance claim or government claim or was terminated default. Could you explain this to me if you can. I am so confused
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my advice would be to
dispute that item as not yours and find out.

3 open credit cards. Should I switch to a 0 percent card?

If I only have 3 open credit cards and one is offering a 0 percent interest. I would like to transfer the balances to one card. Would that cause a significant drop in my credit score? Because then I would only have one open line of credit. Is it best to just keep them separate. I have tried to get the credit card company to lower the interest rate but they will not do so.
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I "hop" credit card interest rates my self.
do it but only use 75% of your total high credit limit
if get a credit limit of 15,000 dollars do not use more that
15,000X .75 = 11250. I have to remember most credit card companies charge a .03 balance transfer fee on each transaction. That's why I say 75% rather than 80% for my credit limit ratio. If I pay the fee up front and I get 0 percent for like 6 months my total monthly obligation goes down because the payment has less interest built in. Many times I can quailify for another card when 6 months run out because my debt to income ratio goes down when I pay mostly on priciple. The main thing is lower my prinicple by paying less interest

On the down side of credit scores I must remember it will take 12 months for my new credit line to get rated.
On the upside my credit card I am giving up is rated too so My score should not be affected to much in most cases where I keep good credit and less than 80 ratios.

If you become disabled after school student loans can be forgiven

your credit repair site is awsome. I wanted to let you know something you may not know. If you become disabled after school your student loans can be forgiven by requesting a form for your dr to fill out and mail it back to the student loan agency. I noticed a lady on your blog with this problem. You can copy and paste this info and get it to her.

It is always good to know there are people like you out there. God bless...
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Two credit reports show Spiegel accounts as charged off

My problem, briefly: At least two credit reports list Spiegel accounts as charged off ( one even states Profit/Loss Write Off ) with DOLA at Dec. 2001. The same two CRA's are reporting Midland Credit Management as creditor of the same accounts and are being reported as "opened" in December 2007. In other words, Spiegel and MCM are reporting the same accounts twice in each CRA. I believe with the DOLA at Dec. 2001 plus the fact that I live in NY, the accounts have reached the SOL. Still, I don't want the MCM listings since they are neither valid nor the OC. I copied one of your validation form letters and re-worded it some to fit in with having found the information on the CR. On both CRs, MCM gives almost no information: only last three numbers of acct., no contact information and obviously the blatant misrepresentation of when the accounts were opened. Are the last four digits of the acct. number enough ? Should I send the CMRRR (or whatever the acronym is) to any one of their business addresses I find on line. By the way, I have sent letters to dispute to the CRA's, but I feel that is probably not enough.
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make them validate that debt with signatures and legal chain of ownership
or call the attorney general and ftc and bbb

SC Dept of Revenue tax lien of 9849. Tax attorney

In May 2005, the SC Dept of Revenue lovingly informed me of a tax lien in the amount of $9849. After a panic attack, I phoned my accountant who assured me that it was an error. It was an error and it was made by SC. On top of that, my accountant actually found that I was due a refund of $1200, which I DID recieve. However, after several certified letters sent by me and my accountant, to have the false lien removed from my credit report, it is still there. I am certain that this is affecting my credit score. I don't want to wait 5 more years for this to be removed. Any recommendations on how I might "expedite" this MAJOR error? Is this something I might consider discussing with a tax attorney?
Any help is GREATLY appreciated!
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contact your state attorney general
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AWESOME!! Thanks so much! That never even occurred to me!

8 Collections and charge offs on my credit report. two are paid.

I currently have 8 collection/chargeoffs on my report. 2 are paid collections neither is 2 years old. The other 6 unpaid are scheduled to fall off by this time next year. I have 3 open of lines of credit that have been never been late and in good standing for 8, 7, and 3 years which each of them report to the bureau each month. Besides being patient with father time and continuing my on time payments with the positive 3 is there anything else I can do. I know one is a duplicate. I can dispute that one. One has a different date of delinquiecy than the original creditor so i think need to dispute that also to have it linked to fall off at the correct time. Any suggestions/advice would be appreciated on the others Bo
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That is one of the most comprehensive well put questions I have ever received
One thing is missing. What is your credit score now.
Verify the debt with a debt validation letter to the collection agency. Negotiate if they can verify the debt. Dispute the account if you get no answer, or signed with company letterhead agreement.
You seem to had a great grasp of the best parts of raise my credit score fast. Make sure your open credit, show less than 80% of balance to high credit ratio. Divide the balance by the high credit limit and get lower than 79 percent %.

Where can I get help with my bad credit report 477

Is there some where I can go to get someone to help me with my credit report?
My credit score is 477 and I am trying to get a loan to repair my home. I thought the house would stand for its self but no one will even talk to me. Is there someone that will loan me money on the house with my credit
I was hoping that with the loan I could pay off my bad credit. I work really hard and have been at my job for almost 12 years and make good money. In the past I got in over my head and let something go unpaid, but I am where I can work on paying them off. I have already paid one off but how do I get it off my credit reoprt?
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477 is about as bad as it can be
you must have nothing open that you have paid on time
usually about a 620 is as low as they go for home loans
i would say you are 1 year away from having better credit
you could start here
pay money down to get someone to open a card or two
one year later you will have your job, a house with equity
and
some good credit
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What do you mean pay money down? On what?
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money down to open a new credit card
a 477 will not get new credit in most if not all cases
so money down should help

Medical collection on an insurance dispute. Remove clean delete

I have a medical collection due to an insurance dispute and would like some coaching to get it removed from my report. I am getting divorced and not receiving all the mail. My husband's insurance changed processing agents and was requesting documentation of additional coverage (which I didn't have) before they paid my claim. I was unaware of their request due to my husband's lack of notification. When I discovered the charge was on my report I called the doctor's office and paid the bill in full. Now I find out that I over paid because they were a PPO for our plan. The insurance company is paying the doctor directly and now I have to fight them to receive the overage plus they won't help me to remove it form my credit report. I haven't contacted the collection company yet and would like to know which is the best direction to go to have this issue resolved.
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the ppo would be liable for the late payments
thats why to doctor bill doesnt want to help
all they see is you were late and thats all
maybe the ppo could help

but if you already paid there is no incentive to get the doctor to help now that they have the money in hand

so i would haggle with the ppo and see wht relief you can get
and of course the my husband thing will always be trouble
until
you are totally removed from all loans, insurance and anything credit

Parking ticket collection dropped credit score

My boyfriend has a collection for a parking ticket he was unaware he had … the car was not his vehicle he was on title, it was his daughters and the ticket got sent to collections he had his credit go from 759 to 640 over night we are trying desperately to refi his home. With that one collection how do we go about removing that collection he was never made aware of the collection or the ticket.. The car had been totaled in the middle of the ticket... his daughter had taken possession of the vehicle and moved out he had given her all the paper work and released the vehicle into her control and responsibility. They had gotten into a fight and he had no idea a ticket had happen.

The daughter in the mean time moved out and was suppose to go and remove her father from title and put the vehicle in her name, well the car had been totaled in a car accident, so she went and bought a new car.

The room mate of the daughter she was living with took the car and it died on a local street and he left it there now the daughter and the father have no idea that the car had been ticketed, the daughter went and picked the car up with out knowing or seeing the ticket.. So know one at this time knew there was a ticket.

So here we are 4 months later with a collection and unknown ticket and a dumped credit score.
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you just need to call the collection agent and tell your story about how you didn't know anything and nothing is your fault. which of course is full of holes and sounds so normal.

ask for help
pay in full with interest if they will take it off

if is a second party collection
validate the debt first

negotiate anything you can

Unpaid collections and a judgment with huge interest

We are trying to currently fix our credit on our own and its a never ending battle but we got our score up to about 660, which is better than the 559 it was about 3 years ago. We have 2 questions that we cant seem to find an answer to.
1. we have several accounts that show UNPAID that are for the same debt but 2 different collections companies are reporting them. Can they do this? If not how do we get the older one removed?
2. We had a $1400 judgement almost 7 years ago. We have paid $10 a month for the last 3 years with no writted agreements to the collection agency on anything. We just gave them something because they tried to garnish her wages 3 years ago and this made them not pursue that. We assumed after all these years that the balance would be managable to pay off now but we called to get the balance today and now its over $1700. We never signed nor agreed to pay any kind of interest. Can they do this and what do we do now?
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#1 use the debt validation form and get at least on or both collections removed in most cases.
yes they can they did. is it right moral and just. Porbably not. But not paying isn't either. If one validates the debt then negotiate and pay the debt as fast as possible IF YOU CAN.

#2 of course there will be interest. The bad news is you validated the debt. The good news is many times when a creditor accpets a partial payment they usually cannot take you to court. The bad news is you have already been to court. So I don't really know what the answer to court ordered payments might be. Your in a fix here and I am not sure what to tell you other than to try to negotiate a payment in full now if they drop interest.
- Show quoted text -

My husband and i are trying to raise his credit score

My husband and I are trying to raise his credit score. We are trying to consolidate our debt into a equity loan. We need a score of 660 to qualify. The scores right now are 679, 658 and 639. One 30 day late (April 07) that the creditor has agreed to correct (we have a letter of deletion) and the last negative is the amount we owe on cc's (ratios) that we are trying to refinace.

My questions are: boyfriend

#1 if the creditor has reported it to Transunion how can I get Transunion to show it. The creditor told me it is slow on their part but they checked twice and they sent the info on their part. Also in your estimate how many points would that add back if if got corrected?

#2 Would it help to reopen old accounts that we requested to be closed to show more credit avaliable so the ratio would come down. Also if we did this would it show as an inquiry on our credit?
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a 30 day late that close to today will actually help alot. i am gonna guess 30 points but i don't know.

you can dispute the account yourself and say account not reported correctly, never late.

if you asked to have accounts reopend they would check your credit and put an inquiry on your credit report.

the ratio your talking about is not a ratio that matters avaiable credit ratio
you need to be concered with credit limit balance ratios to raise scores and debt to income ratios to show you have the ability to pay.

Trying to raise my fico score. Secured credit card or not

I have a question concerning bringing my fico scores up, if I go and get a secured credit card that reports to all 3 bureaus today will that bring my fico up or down when the credit card creditor reports it?
I am trying to bring my scores up I have a 602 at Trans union 585 at experian and a 595 at equifax.
And I also have 2 credit cards already one which I have had for 5 years they just increased yesterday (limit now is 1300.00) And the other one I have had for 6 months coming march they will increase it to 400.00. I always wanted a department store card such as walmart, do you think with these scores I can get approved for one?
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it takes 1 year to get a credit line rated.
no one can say you pay well unless they have worked with you for 12 months or more.

if you have 3 credit lines that report, concentrate on them and get no more

Served court documents for a judgment hearing on medical bill

i'm looking for advice. i was served by certified mail today for a 6 year old medical bill. i do not dispute it. i would like to know what options i may have on this $776.86 suit. like do i show up or not. let it go to judgement and if i did what could i expect to happen. and any other info you may have on what i can expect from all of this.
please help.
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it would be best to pay this before it goes to court
so the judgmen doesnt show up on your report

Collection came up after 7 years. What should I do?

Last week my credit union granted me $12K loan to pay off my payday loans and past due accounts. Well, I was thrilled, my prayers had been answered. Today I open the mail and there is a letter from a collection agency. I phone the agency, since I did not recall the bill and it was not on my credit report. Well, it turns out that the bill was from the 90s. It originally was a $2200 bill that my husband was suppose to pay in the divorce. Now they had added interest so the bill is $6200.00.

I am not trying to ignore my problems or bills. If I had known about this bill I would have put it in my consolidation loan. I wrote a letter informing the collection agency that I did not have $2200 to pay the lump sum for the settlement. I am requesting that they reduce it to $1500 and allow me to pay $100 per month for 15 months.

I just do not know why this bill appeared after all these years, and what happens if they do not take the $1500 offer?
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validate that debt
with vigor
1990's means it is more than 7 years old.

if they can't call your state attorney general, the ftc, the bbb

Trying to buy a house my husband lost job and credit cards

Hello. I have contacted you in the past. I am in credit card debt...not horribly, but in a bad spot ($3000). I filed bankruptcy in 2005 since then I have gotten credit cards and my husband lost his job. I have 4 of them. I was behind and worked out plans with 2 of them. The other two were horrible. Tribute and Aspen and I should have NEVER even gotten them. They have both closed my accounts and tell me that if I pay a ridiculous amount on them they will reopen them. Should I try to reopen them and how does this fix my credit any? I am trying to buy a house and this can't come at a worse time. What can I do to fix this situation and try to buy a house in the near future (next year or so). My credit score was something like a 450, but there were a lot of bills that I had paid or included in my bankruptcy on my credit report still. I am currently disputing some of these and providing proof of payment. I am working with a community program (Mustard Seed in Akron Ohio) that helps people like me buy homes. However, they aren't the best at getting back with me. Do you have any ideas of programs that can help me buy a house? Help with a down payment? Another question, with the interest rates being so low, should I still try to buy a house or should I scrap the idea? I am renting a house for $905 a month. I am POSITIVE I would pay less if I bought a house. In Ohio $905 is a lot of money for a 3 bedroom house in Cuyahoga Falls. Any help would be GREATLY appreciated. I am simply losing my mind and a lot of sleep.
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if you can
pay and re open the credit cards
after one year you ask them to only report the past 24 months like most revolving debt.
the old bad goes away and the new good raises your score even more.

whenever i hear someone talk about help with a downpayment and borrowing money for something, I am remided of an old finance here pay here philosophy.
No personal investment means it is too easy to walk away from.
So you really have to have some investment or most will not finance you. Maybe sweat equity or rent to own.

maybe you can't buy a house. Most of this is stable income and budget stuff. Until anyone works that out, the credit will be bad.

Medical bills sent to collections. Insurance

Hi, Bo

I emailed you before and you were a great help. But now I have another big issue that i seem to not be able to get off

I send valadtion letter to West assest after 30 days of no response I send Val follow up,
I then sent dispute letter to CRA that they sent me back as verified.

I then for the 3 and forth time requested detail bills from this company because I have had and still have medical insurance that they never billed. still with no response so I called company they told me they do not send bills

PLEASE HELP there is 17 account from them on CR
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if its insurance you have to work that our yourself
somehow

if one does not follow up on certified delivery mail
debt validation

call your state attorney general and the ftc and your local bbb

Fix my credit. Prioritize judgments and collections for payment and negotiation

I recently found your website while browsing "credit help". You have provided some useful tips, which I plan to use. My past credit history is pretty bad (mostly charge-offs and one judgement for a medical bill), although somehow I have managed to obtain a high interest car loan and 2 lines of credit in the last 2 years, with no late payments. I am a divorced mom (deadbeat ex, no child support, left me with bills, etc..) I am now at a point where I can TRY to pay off the old unpaid bills and chargeoffs (anywhere from 2-7 years old). My question is How do I prioritize which ones to pay first? I can't do them all at once. Mostly they are several small medical bills which have gone to collection, a couple of department store cards written off as charge-offs and then duplicated by collections, and one small utility bill that went to collections. The largest is the judgement (medical bill) for $1200.00. Suggestions on prioritizing? Which ones should I try to negotiate?
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forget the judgment if it is more than 2 years olds
as nothing more can be done to your credit and paying it probably will not help

With the collections i would go, one by one, with the debt validation and follow ups.if they can validate the debts
then negotiate as best you can and hope for the best.
start with the collections that are the freshest and the least.
then work your way to older and higher as you go.