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My FICO Scores Suck!!!My FICO Scores Suck!!!
DoItMyself said: "I almost laughed when I saw my low FICOs which are in the 450's. After college and no job, all of my the credit cards wanted their money.... No kidding!!!
For the most part they have "Charged off as bad debt" all of my accounts were sent to Collection Agencies that sent me letters..
If I challenge this with my CRA's, how hard is it to remove these from the reports?
If the CRA's remove the accounts after I challenge them, will they ever reappear?
Should I just settle with my original creditors and in return request, they be removed from the CRA's?
Or Should I deal with collection agencies?
Any info is appreciated..... I like challenges and this is a good one. :D"
bouchard3775 said: "READ THIS
[url]http://www.credit-repair-forums.com/thread1623.html[/url]"
anchorbob said: "Hell, you just have to get started. With time you can raise your score."
bouchard3775 said: "I hear ya fellow newbie...I'm already starting to realize that there are only 2 things that are going to make credit repair work for us....1. PATIENCE 2. PERSISTENCE!!!! And i'm so impatient that is going to be so irritating for me!!"
DoItMyself said: "Thanks for the encouragement as well as the link of [url]http://www.credit-repair-forums.com/thread1623.html[/url]
I am going to get started this weekend.
I see 800 FICOS in my future :D"