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 Report
Profile Image

Question By

0 Contributions
0 People Helped
Credit score 2 year slump NEED HELP
2 years ago I began paying off old debts that i found on credit reports (credit score 552 transUnion). Credit score now is 558 .

I have a medical bill from 2007 $249 that have no ideal where it came from. A charge off on a a vehicle of $134 (due to fall off Feb 2014 which is my x-wife's bill) every 6 months I dispute the charge off and they validate it and add a late payment notation on my credit report.

I have a $1219 vet bill (x-wifes) which they are saying that because the check she wrote to them to begin services had both our names on it makes me liable also. I'm not paying it, it falls off 1 year from now.

Have a court judgement now for $6000 thru a shady "good ole boy court system "

The rest is paid collections with 0 balance.

Luckily my house mortgage is owner financed but there is a clause in contract that says within 7 years must refinance into a bank to get out of owners name. That is coming up next year. But they did say they would sign paper to send to the bank that my payment history was good.

And I have kept my credit inquiries down to 3 for past 2 years which should also fall off next year.

What can I do to fix my problems? Only have a 11 month window

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.