we've sold our home, are moving, and would like to buy a home in the near near future.
i'm a SAHM with very little income, so i've really focused on paying down the things that are adversely affecting my husband's credit because he'll be the one applying for a loan.
we've paid off his baddies, i've challenged a few things and gotten a couple removed thanks to the credit forum (thanks!)
he had 2 collections (both paid)
he had 6 accounts that were
Archive for January, 2011
raise or lower score? [credit forum] [forum thanks]
January 31st, 2011 
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Fee's for taking CC"s? [speeding tickets] [credit card fee]
January 31st, 2011 admin It is not illegal, a “service fee” for free for the taking of a credit card? My state is charging them for the payment of traffic fines by credit card.
Please don't laugh but. [old apartment] [nose dive]
January 31st, 2011 admin Ok – here it goes —
I am graduationg from college in 2 weeks. (Yeah!) I have a job and already my husband and I want to buy a house. Here the problem (s) is . our credit is really took a nose dive since I've been in the school where we will forward to his only income, but I live to see if there is a chance that we can with these issues on our credit to get approved.
1. an old house we moved out in 2001 just after NO correspondence since 2001 due to our report of the rent for br
Approx FICO point boost with removals [pallisades] [student loans]
January 31st, 2011 admin Two collections Cavalry (800ish) and palisade (250ish). Reporting opened in 2004, is total. I opened a loan after 2001, except for student loans. So . if they fall to increase the kind of results can I expect?
Crap 1 Paid CO.still reporting. [cap one] [loan type]
January 31st, 2011 admin I do not know what you pay for with this account . CO to do, but below is what it shows on my CR . and I want it gone. Do I dispute with the credit rating agency, because it is different from SOL (6 years in Massachusetts) will appear. Help.
Credit Card
Cap One status as the [?] May
Date opened in 2007 [?] July, 2000
Date of last activity [?] May 2007
Date the last payment [?] Mar 2007
Date closed [?] Not reported
Account number [?] XXXXXXXXXXXX
? on paying for Bankruptcy [attorney fees] [bankruptcy]
January 31st, 2011 admin This may sound a little vague but when you file for Bankruptcy do you pay for the attorney fees and actual filing up front or do you pay some when you file and the rest later on in the process?
Charged off but still reporting? [bad debt] [bk]
January 31st, 2011 admin I am at the beginning stages of credit repair and then I see this………..BOA……Charged off but still reporting? This account was included in BK. Filed BK 6/25/2001, Discharged 12/29/2005. What to do?
TransUnion Experian Equifax
Past Due: $3216
High Balance: $3320
Terms:
Limit: $3000
Payment:
Opened: 01/28/2000
Reported:08/28/2006
Responsibility: Individual
Remarks:
[TransUnion] Charged off as bad debt
Canceled by credit
Do you feel the credit freeze thawing? [baltimoresun] [weblogs]
January 30th, 2011 admin http://weblogs.baltimoresun.com/business/c.ze_thawing.html
Is this CC late charge legit? [cc bill] [couple days]
January 30th, 2011 admin Hi All…
I'm hoping someone can answer a question for me.
I was charged a late charge on a credit card, and I don't see how they figured it this way. Here's the scenario:
In November, I had a cc bill due on 11/28. Paid it online a couple days before, payment posted 11/27. A few days later, I decided to go ahead and pay December's bill early, because it would be due right after Christmas on 12/28. I didn't want to take any chances on forgetting to pay with all
In Aug 2009 FICO CEO states the average score is "somewhere in the mid 600's" [fico scores] [quality credit]
January 30th, 2011 admin In an interview on 6 August CNBC about a company study, pushed the FICO CEO, “average is somewhere in the mid 600s.” [2.50 in Video]
The exchange in context:
INTERVIEWER: What do you think the low end? What do you consider the high-end? What do you recommend
FICO CEO: Well, the score ranges of the FICO scores range from 300 to 850 of the low to high. So, usually something under 640, 620 is considered a low-quality credit score, and is above 720 or 740 to be high. 600s.
lin