nbirnbaum2

it just told me i would take an 8 point loss for a new card instead it went up 23 points. no other changes. 

it  depends, espically on your current tradelines

oh or www.myfico.com       but this isnt free but has real fico scores

www.annualcreditreport.com

damage is done, dont do sqaut without a pay for delete letter.   student loans ouch, ask for loan rehibilation 

but it will show paid, not come off

you need the creditor to file or sign a letter to the court saying judgement satisfied, contact your county clerk

dont use your cards for a month, it takes a month for bureaus to update, bring to 0 debt .  The credit too is just a bogus excuse

If they havent paid, sue the person directly, by law the insurance company must represent him, then ask for his pay check to be deducted and go after his accounts, let him sue the insurance comapny.

unless your dealing with NCO, midland or people who dont care about FCRA and reage accounts

credit counceling

send them a cease and desist letter via certified mail if SOL is over. They cant take money without suing, and they cant do that anymore.

just call the lender, dont wory its a poisitive tradeline, if you get it deleted you will take a big hit, you want paid in full never late on it

how old is your credit history?? , i would recommend a credit union. stay away from chase. also get an Amex ZYNC, start a history with amex . charge card and credit will help show different types of credit.

pay for delete letter, google it, keep everything in writing. No deletion no pay.

chase....umm trust me you dont want credit from them. Do what you are doing for a year then start applying, build your history.

past 12 month is huge on scoring, get an account and pay on it.

orchard for a secured or first premier, that is if you dont mind the 150-250 annual  in fees and the 60 percent intrest rade with no grace period.

yea, you need counciling and a budget gone over with you

um scores generally drop when you pay off a loan, pay off 800 of it

sounds like inquiries, wait 6-12 months, dont apply for more credit.

if it is private student loans your SOL

yes, if it is through the gvt then he can do loan rehabiliation. expect 6-9 months minimum, then he will need to consilidate when loans are current and they will remove derogs.

yes assuming you have had current on time accounts in the past 12 months

my advice, wait 6 months dont apply for anything then limit yourself to 1 inq per 6 months