Hello everybody, I? Ve now been on these forums for a long time and it helped me tremendously with fixing my credit score. I? M posting for the first time because I need a issue.
Hilfern
rnI? M to go to court next month with Wolpoff u0026 Abramsom regarding a credit card that I honestly have no knowledge of. I? Ve been invited to the debt, and yesterday they sent me confirm old bills from 2000 u0026 2001 on it with my name, how is that possible? What should I do next?Reply:Absolutely
Posts Tagged ‘credit score’
Going to court for something not mine [credit score] [invoices]
October 27th, 2011 
admin 
Posted in 
Tags: 
How to maximize your credit score (for newbies) [collection accounts] [credit score]
October 7th, 2011 admin Reply:I'd also add…which score do you need to maximize?
Your FICO "Bank Card" score (closest to the one you can see), does include "utilization"…above 9%, but less than 30% will get you miore bank cards.
Your FICO "Mortgage Score" looks best if you have NO outstanding revolving credit. Open CA TLs are a bummer…they'll need to be paid or deleted.
Your FICO "New Car Score" doesn't care much about
Will Trading My Car Tank My Scores ? [debt to income ratio] [credit score]
September 6th, 2011 admin I'm considering trading in my car for a new one. However, I would like to do a mortgage, they will drop my credit score?
rn
rnNun as far as cost, says the trader, the new payment for the exact same as getting to my current or funded lower. So I'm not changing my debt to income ratio, but will the new loan on my credit file drop my score?
rn
rnIch thought it may be my history something.
?ndernrn
rnBy the way, the dealership has not definitely pull my credi
Carry a CC Balance or Pay Per Month? [credit score] [credit card account]
August 11th, 2011 admin In an effort to improve my credit card I opened a credit card account. Is it better to carry a balance or is it better to pay my balance in full each month? Which will do more for my credit score?
rn
rnVielen Thanks for your advice.Reply:"Utilization Approximations:
75% – 100% = Major Deduction
50% – 75% = Minor Deduction
30% – 50% = No Deduction/No Addition
15% – 30% = Minor Addition
1% – 15% = Major Addition
0% Usage = Min
Settlement vs Pay in full? [open collections] [credit score]
July 14th, 2011 admin I tried looking on the subject, but have not really something that would really found the answer question.
n
nIch know, have a negative account is bad on your credit report. If you are wise outstanding collections, it better credit score to pay it in full on a course of 6 months, or is it better to just try and work out a solution where you can pay in full right now?Reply:A PAID CA will hurt you just as bad as a UNPAID CA
However, what will still hurt is the age of the C
NEED HELP! [credit score] [auto loans]
June 21st, 2011 admin My credit score is 538th I have several charge offs and a bankruptcy in 1997. I have worked very hard to clean up my credit card. I made arrangements to provide creditors with 2 for one-time settlement, agreed both. The rest of my accounts are older credit cards that would have been charged off. Can I somehow remove them from my account. Some are older than 7 years and I have sent letters to the Big 3 in order to remove them. Will this work? I have some good car loans, that paid as agreed and ne
Help with a Judgement [credit score] [judgement]
June 13th, 2011 admin Reply:I know you want to pay this, but at least find out if you really have a judgment. Call the courthouse. A lawyer will tell you anything.
Also, you, the defendent, would file the motion to vacate as you would be telling the court that you believe the judgment is invalid. If you pay it, you are in effect saying that you agree with the debt and the judgment.
If you pay it, they will most likely mark your credit report with "Paid Judgment."
Repl
Status went from N/A to "Customer Disputes this Account [credit score] [current address]
June 7th, 2011 admin I disputed with Equifax for several terms and have two points Status of N / A Charge to go “off” account and it went from N / A “Cusotmer disputes this account” I am going backwards. These are not good for credit score? Right? They even changed my current address, a completely false version of an old address. What's up?
rnIch'm just nervous and need some advice I am not the creation of a bigger problem for me. Is this kind of thing normal?
rnVielen Thanks in advance!Reply:I d
Installment Loan? [installment loan] [credit score]
June 4th, 2011 admin About how long does it take to take an installment loan to avoid effects to show on your credit score? I had a car loan for 4 months, and my guests have a slight decrease, because the new account.
rn
rnEine more question, what is a good mixture of all types of loans have? I'm not looking to mortgage any time this decade.Reply:How long does it take for "history" to have an impact on history???
It takes a long time.
The best way to get the mos
EFFECT ON CREDIT SCORE [privacyguard] [credit score]
April 8th, 2011 admin I'm in the process of cleaning UP MY CR. I just did a study with PRIVACYGUARD. WHAT DOES THE IMPACT mean rating in respect of credit score if the article was deleted or PAID . WHAT IS THE SCORE improving strongly or not so strong?