Fix Credit Report – Repair Boost Score Ratings

Mitch asked:


I am messed up when i was younger on my credit getting credit cards and was not able to pay for them. I am paying for it now 4 years later. I am looking online to find the best way to fix my credit. If i pay the collections companies that i owe actually going to take the negative stuff off my credit report. I know its going to take a while but i am willing to take the time out and do it. If anyone has any ideas on how to help me that would be great.

Thanks
no i did not declare bankruptcy i do not want to do that.

Curtis

spillmind asked:


I am not sure what to do about this, or what my legal rights are. I tried to fix my credit once with another firm, and closed and made me apply to the state bar for reimbursement.

This time, I contracted a company in Jacksonville, Florida, called Provident Financial. I have to date sent them over $10,000.00 to have them settle my debts. They have not settled even one, nor have they sent me a credit report/progress report on the status of my account.

I more recently had wired $5,000.00 to them to allegedly finish my total contributions. Then I checked my savings account, and they are still withdrawing money from my account, after this large sum was supposed to finish my contributions. I tried to call them and send them emails, and haven’t gotten a response.

I tried contacting a local attorney and he said that I had to work with my county District Attorney about this complaint. Does anyone have any suggestions about what I can do?

thanks
joseph:

Yeah, I found them online.

http://www.pfshelp.com/

Marlese, this company had claimed to be listed with the BBB. It’s advertised on their website.

Audrey

hiii_98 asked:


this collection agency has been calling me for years about a collection over a debt my company refused to pay. The amount was 500.00. The service was setup under my LLC company’s name and tax id. But now i see that my credit score and credit report has been affected by the collection agency. I have been ignoring them for hte past 6 years because the debt (which my company protested) should have been posted against my company’s credit score not my personal. Especially with this being a limited liability coorporation what can i do to remove or dispute the charge? I had FLAWLESS credit prior to this and i’m beyond pissed. I am the ceo of the company however my social security number was definately not used when the account was setup. Any advice on how i can proceed? Do i just pay the debt and suffer the horrible score? Or where they in the wrong to place this debt on an employee?? and do i have any recourse so that i can fix my credit score? ANY advice would be appreciated.
no one knows the answer? So any employee can get reported for his/her company’s actions?!?

Pedro

LiL JJ asked:


My husband owes money to the electric company, which went into collection originally in 1998. He hasn’t paid it being the bill was actually in his fathers name, in which he past away in 1995, but the account was never changed over. The delinquent account went onto my husband’s credit in 1998 being him and his father shared the same name…. and my husband refuses to pay it being most of the high bill was from his father….
The collection stayed on his credit for the 7 years and then was resold to another collection company in 2004. Now his credit states it is scheduled to continue on record until Feb 2010.
MY QUESTIONS:::::

1. Will this delinquent account be resold again for another 7 years?
2. Is this legal for this to be repeatably put onto his credit after so many years?

I just recently spoke with a reality company and the woman there explained to me that she just found out, if an account has been inactive for at least 3 years (examples: utility has not been in use, active and hooked-up, or medial treatment was given 3 years ago or longer) then it is against the law for the companies to report it to your credit reports again.

PLEASE HELP!

Jamie

first85135 asked:


First of all let me first say I was young and dumb at 18 and got credit cards beyond my mean .. I was working for a retail store so I got two retail store credit cards which I know the APR was up there. I am currently 23 and trying to fix my credit up cause in a year or two I’m looking to buy a house with my husband. When I checked my credit report I found this under a credit card …

Paid, was a collection account, insurance claim or government claim or was terminated for default.

What does this mean?? I never paid them (I think) .. and I think this is one of the retail store credit card.

My current debt according to my credit report is $1900.00 .. my credit score is really bad at 528. If my husband whom is good with making payments to his cards .. put me on his cards as a second card holder .. would it improve my score?? will it lower his score??

Thanks in advance!!
And another thing it says that a different credit card was transferred to collections but it does not show the collections acct .. how would I get this infomation?
And another thing it says that a different credit card was transferred to collections but it does not show the collections acct .. how would I get this infomation?

Marilyn

magical asked:


I want to seriously start fixing my credit. However I have 3 ‘charge offs’ on my credit history since 2001. Do you recommend me holding off until they get erased next year (7th year) and…Would they really get erased???? please help!!!

Gail

laura asked:


we are trying to take care of old bills and things and i need to watch my report so whats the cheap one?
ive allready done the free one awhile ago so that will not help.

thanks and any tips on fixing your score great!!

Amy

Tony G asked:


I have just recieved my free annual credit report from all three credit bureau’s, and i see alot of things that i do not recall ever getting… how can i fight these claims to get proof that they are mine? i beleave it might be credit card fraud. and links will be extremely helpful.
let me rephrase the question… i want to despute everything on my credit report with all 3 cred bureau’s; how do i got by doing this? LINKS PLEASE!!!!

Jon

Axel asked:


I have 6 items that are negative on my credit report with 3 scheduled to fall off within 2 years. All the negatives are paid off and the only debt I have is a student loan and a secured credit card that I pay off every month. My credit score just jumped 20 points since I got the card a month ago. I’m really trying to fix my credit. I’ve been talking to a credit advisor and he says I’m on the right track. My score is around 600 and rising. Is it possible that I might be approved for a mortgage in 5 years once I’m out of college and have been teaching for that long?

William

Francisco D asked:


I had credit problems in the past but its been two years now since I graduated from college and now with a good job I am trying to fix my credit. I pay off already most of my old debt that was in collection. I also have one judgement in my credit report. Should I wait a few months till my credit score is better? My credit score have improved a lot in the last two years. I also check my VantageScore and that is an F or 595. Do car dealerships check both credit scores FICO and Vantage? The car I want is a Honda civic and my income is around 40 k

Marc