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We
must have 3 - 6 open car/home loans/credit cards to improve credit
scores! It's not enough to pay off collections charges offs &
bills. We MUST have current open rated credit (12 mo's reported to
bureaus within the last 1 - 2 yrs) Get good credit
BELOW
Credit
Cards for a 350 - 599 Credit Score
Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit
Score
A public
record is a bankruptcy, lien, judgment or a criminal record. These
items can be found by any person by checking public documents that
are matters of law.
Question #1
I have 4
collection accounts on my credit report. plus I have a judgment from
capital one. I read everything you wrote about the judgment. I would
like to know is there any way I can have it removed. the credit card
company capital one didn't send me any thing, I wrote to them,
before the judgment came, asking for verification they never
responded, this was this year, so if I wait for the 7 years, I would
be in debt. for ever, but since I am making the best of a good
thing, I have a medical condition and most of my income is from the
government. disability, like most Americans barely making ends meet.
I need to get the 3 credit bureau's, I think you said dispute them.
they are all collections except the judgment. I have one credit card
in very good standing a master card with capital one, the same
company that gave me the judgment. I want to transfer the card to
another company but I am not sure they would take me because of the
judgment. (transfer card). from me reading you said to get 3 credit
cards pay them on time and that will raise my credit score? right
now I don't know the score for all 3 only one. Equifax. their score
for me is 595 what do I have to do to raise it to 650-700 with all
3. I don't care how long it takes. I just bought a printer on
credit, I paid it of should I ask the company to report it to the
credit bureau? would it make a difference?. I want to personally
thank you for your blog. you make things a lot easier with your
writing and understanding.
sincerely
yours,
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Bo
I would open one of these if I could. Get the total visa. I
trust them. If they turn me down I call and send money to get them
to approve me. Use it to buy gas each month and pay more than you
charge each month for 12 months.
If the
company you use right now does not show on Equifax it might be on
another bureau. I would call the creditor and ask them which if any
bureau they report to. If none cancel and find someone else who
does. Pay them off before you cancel though. Some creditors only
report bad and closing accounts with outstanding balances if
regarded as bad credit.
Think small right
now but think good reported credit 3 lines of it.
Judgments is a 7 year thing no matter what.
Someone went to court and you didn't I guess. A judgment was
rendered and now you have one. They cannot be removed or negotiated.
You can try to dispute the judgment as not yours. I doubt
it will work though.
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RP
thank you for emailing me back, I don't
understand, the judgment call, so are you saying just wait the 7
years. even if I paid the judgment on I couldn't get it removed.
---------------------------
yes
the judgment
is a done deal
you might get lucky with a dispute say it is not yours I guess.
judgments are recorded
in court documents and one was found against you.
Judgments are impossible. Just wait and get new
good credit
after 2 years pass and you have
2 years of good credit. the judgments will not hurt your score as
much.
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Real Person
Thank
- You for your free credit help web page.
After using your advice on how to fix my credit I was able to raise
my credit score from 575 to 640. I was in a Sub-Prime mortgage that
was about to go up to 11.9%. This was going to cost me an additional
$300 per month. Now I am going to close on a loan that will get me
to 6.875%. My mortgage payment will go down plus it is only for 20
years. This will save me over $300,000.00 in interest over the life
of the loan.
We
must have 3 - 6 open car/home loans/credit cards to improve credit
scores! It's not enough to pay off collections charges offs &
bills. We MUST have current open rated credit (12 mo's reported to
bureaus within the last 1 - 2 yrs) Get good credit
BELOW
Credit
Cards for a 350 - 599 Credit Score
Credit
Card for a 600 - 649 Score
Credit
Cards for Credit Score of 650 - 699 Credit
Cards for a 700 - 749 Credit Score
Collection Judgment Judgment
Judgements Public record records liens
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