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 Report
Profile Image

Question By
blaksnake

7 Contributions
19 People Helped
I need to ask what to do if I do this...please read
I too am about to get my TAX refund check E-File in a few weeks.



I have been checking this site for my score frequently. Last week it read 585, now it reads 575. Confusing to me as I have done nothing different in a week. But besides that, I signed up with a company called, DMCC, and they called the 4 on my Transunion Report and made some deals with my creditors. They tell me that if I pay the entire report off, I should see my score raise within a few months. To get an apartment here you need to be in the high 600's.

My concern: I am showing only 4 with Transunion, but 9 with Equifax. Do most places use Equifax? Experian shows about the same info as Transunion. If you guys were me, what would be the best move here? I am getting married next year and I don't need all this going on in the background. I am paying off everything on Transunion Report in a few weeks. Now some of them are charge-offs and some that I have PAID IN FULL don't even show a history - just says balance $0 and closed.



Thanks,

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.