lucillekeas

People need to realize that BANKS are not the only places to go. Local credit unions will also provide lower rates, no annual fee's and they're run by real people AND they're FDIC insured. Check out suze ormans website for a list of GOOD credit unions in your area and good luck.

Three years ago I also had a score in the 500's and orchard bank did give me a non secured mc with a $300 limit but it cost me $200 to get. But even if you get a secured on your credit file it won't be reported as such. There are only 2 options to increase your credit score and the FIRST is paying off your debt to zero balances. The second is rebuilding by disputes or time as they fall off of your file. There is no easy or short term solution. It took me 4 years of disputes and paying off old debt to get back to the good.

There are a few things you need to consider when it comes to public judgements. First of all, in order to have one placed on your credit, the creditor has to go through the legal motions to do so and you will be served to go to court. If you ignored this, the judge will automatically approve the lien. Once this happens, even IF you make payments or have an arrangement the judgment stays. Now, if you have proof that you've paid the judgment, you should certainly dispute that. I had a judgment once, had the papers from the lawyers proving I paid it but because I didn't know what I was looking at on my credit report I had NO idea this judgment was open and marked unpaid until a mortgage broker asked me about it. Also, the law firm that filed the judgment against me, never updated the paid in full status and went out of business. Based on that fact the new law firm that takes over the case load [my file didn't disappear it was just moved to a different firm] filed a notice to vacate the judgment and only THEN was it finally removed from my credit.

Comcasts latest scam is to get you to sign up for a 3 month promotional deal but lock you into a year contract. At best, [not even for a year any more] they'll give you a good rate for 6 months. Don't waste your time. In the midwest, you can get a 2 year locked in rate for 6mb dsl AND there is no contract AND they'll guarentee you a rate of like $35 a month for 24 months. You can cancel at any time. The only difference between a cable modem and dsl is speed. Don't let people tell you the transfer rate of cable is better. If you're a programmer-fine stay with cable but if you're an average household, email and browse joe user [which 90% of the world is] dsl is just fine for you.

I had a credit score of 673 and 0 balance on all 3 of my good accounts, and was denied fyi.