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!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
Could Somebody Give Me Advice On My Particular Situation
Just figured I'd try this out, I dont have alot going on but Im clueless as to how to improve my score and I was out of work for a while and everything went to hell.
Heres what I have.
2 Credit cards both at 90% ($500 limit and $2000 limit)
2 Credit Cards that are not anywhere on my report
2 yr old paid on-time personal loan ($3,300 current balance ($100 a month))
1 collections that was a mistake and collections company since lifted but still on my derog marks.
1 collections from cell phone company (unpaid) $1420

I have been working with Trinity Debt Relief for about 7 months and paying them on-time everytime... they own my personal loan, and all my credit cards on a 5 year plan

1) How do I get the mistaken collections off my report?
2) What should I do with the collections I have yet to pay on?
3) Is the 5 year flat rate plan with Trinity bad since its paying off my credit cards slow?
4) Would I be better off paying off the $400 balance on one card and the others that are $200-$300 and then just paying on the $2000 card and personal loan myself?
5) Anything else I can do to get my score up or do i need to get my utilization wayy down first?

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

View your scores and reports anytime.


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.