Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
VeRsX

0 Contributions
0 People Helped
Any quick bump hints or Where to get Daily Triple Credit Pulls.....
I am very actively trying to repair my credit and I am on a very tight deadline to get into a new house. I know we are supposed to have patience, but I am in a bind. I have been purchasing a home via owner finance and the seller hasn't been making their mortgage payments. We got served about two weeks ago with papers (without my name, just the term: tenant) for foreclosure. I contacted an attorney and they told me that I can sue the seller, but that is the extent of what I can do. I contacted the bank that holds the note and they told me that there isn't anything I can do either. I have been working on credit repair for a few weeks now. I have 3 medical collections for a total of about 1200.00 that all came onto my report in January of this year that I never even received a bill for; I have great health insurance and these should have been paid and they are all from one emergency room visit that I made last year. Aside from that, I have one several year old credit card that I was behind on that is paid off, but still reporting negatively, one old medical collection that I paid off in 2011, an ATT MOBILITY collection for 700 that I don't understand (I do have an ATT cellular account, but I still have it and it is current and ATT says they don't know anything about it). And I also have a DIRECTV collection that is legit; I got mad at them because the service was in and out and the bill kept getting larger and told them to disconnect me and they charged me a cancellation fee I refused to pay because the service was horrible.

Anyway, I should have been paying more attention to my credit a long time ago it seems and I have certainly made some mistakes, but I am actively trying to get everything back in order. I just sent out PFDs on the medicals and Directv and a dispute on ATT. I also disputed the old paid off medical collection and the old credit card bill. Waiting to hear back on these now.

I got two secured credit cards with 200.00 limits each (skyblue and merrick) and I have 15.00 balance on skyblue and 0.00 on merrick. I also took out a secured loan through my bank for 500.00 and have the payments automatically being taken out.

I don't have a lot of other accounts on my credit file. I have an auto loan that I had one late payment on and that (aside from collections) is the only late payment that I have showing on my file. I paid it off in 2013; originally it was just under 12,000.00 and I had it for 3 years.

I had several other credit cards and charge accounts and never had any late payments, but they were all canceled because I never used them.

There is nothing else on my account at all.

My scores were: EXP: 565, EQU: 572, TRU: 561 a month ago. I just pulled them again and they are now: EXP: 516, EQU: 631, TRU: 582.

Is there anything else that anyone can think of that I can do to give me a quick bump, especially on TRU? I really need to get a place to live and I am hoping for a 620 middle score soon.

I have the money to pay off all the collections (about 3200.00 total) and I don't have a problem doing that. I could also spend another 1000 or 2 on doing something else to repair my credit if it would help. That would still leave me about 10,000.00 for a downpayment and closing costs on a reasonable property. There are 6 of us and I really can't afford to be homeless and we have a lot of stuff, so a tiny rental really isn't an option. My credit score has never been less than a 690 before and this has hit me kind of all at once, with horrible timing. I paid 30k down on the house I'm in and have paid over 1000 a month for 5 years and wasn't expecting to move.

Anybody know of a daily pull place that I can get all three scores from? I don't really care what it costs. I really need to apply as soon as I have the score. Time is of the essence for me right now.

Thanks for any help.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
3051 Contributions
2789 People Helped

Helpful to 0 out of 1 people

Visit www.myfico.com you can purchase your true FICO score every day if you want.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.