• 1rst Get your Free Credit Score plus credit history's at Transunion Experian & Equifax as seen on AOL MSN YAHOO! Find out what is affecting your score so you know what to attack.

• Get this so you can monitor your results and find the "DOLA" or "Date Of Last Activity" which is when your 7 years start or more importantly when the most important part of your credit starts 2 years back from today. 2 Years back from today is 70% of your credit score.

• What are public records? Is a judgment a public record? Is a lien a public record. 
  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,
  
  
  
  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.
  
  
  
• 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.
  
  

• 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.

 

Because you don't know whats on your report till you check

 

 

To raise credit scores you must have 3 - 6 major credit acounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here
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