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nomoreScreennames

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Help on credit karma
Last 5 years Agent Orange. 4 cancers triple by-pass. New stage 4 has arrived. Lost control on job and no income..... Now have VA 100% and SS for me SS for wife.... Missed total of 3 payments over 2 mtgs over a year ago. Prior In hospital. Now want to clear up but, I can't trust any group. , no loss for 4 years. Now can take out car loan through Credit union.. But score is still under 600 in Credit Karma...... What to do!!!!!!!!!!!!!!!!!!

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Those credit repair groups are to be wary of, they charge you money for things that you can do yourself. The best thing that you can do is to start reading all that you can, it's free to read or at least should be cheap depending on your internet provider and then you have the education to do all that you need to or can do and you are the right person for the job as nobody cares more about your credit than you do. I will give a few things for you to think about and check into:

Do some reading on "goodwill letters". This is a letter that you write to the lender that is listing late/missed payments on your reports, explain your situation and reasoning for the negative marks and ask in the most polite way for their forgiveness and removal of the negative marks. This can be difficult and odds are not in favor of it, but quite a few people have had success, sometimes several letters have to be sent though. Read on it.

Credit scores, worry about your FICO scores, most lenders use them, not the scores you get here

Auto financing, local banks and credit unions can be very picky. Look for a more lenient lender. Many auto dealerships advertise to work with all credit situations and have lenders onhand willing to finance all kinds of people. Read up on them, read up on lenient lenders in general, remember that just because one bank denies you, not all will. Local lenders seem to be the worst for people with bad credit.

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