I didn't get the score as I just don't have $8 for that right now but I did get the report. It's not a pretty sight but I thought it would help me figure out some of the old debt issues.
Now what do I do? Write the people and request verification that I owe them or what? I'm not sure what to do.
A friend of mine got divorced and had horrendous credit. She spent two years and very little money working to clean it up and it's much better now. I believe she said the first thing she did was get verification from every single debtor on the reports that she owed the money and they had the right to collect it. Apparently, this somehow enabled her to not pay some of them. Also, she didn't pay the ones that were soon to be off the report. There are a few that show on this report due to be taken off between July and December of 2008. Should I pay them or just let them go? And I don't know about things marked as "charge off". I don't know if I should try to pay those or just ignore them.
Okay, off to google to find some good credit sites!
I got my credit report from TransUnion
January 2nd, 2007 at 03:03 am
January 7th, 2007 at 03:09 pm 1168182545
http://www.debt-consolidation-credit-repair-service.com/forums/forumdisplay.php?s=6298e68a8a177f4348f46ab59d8c54b5&f=173
I am paying off 2 current things now and making payments towards one debt, but had to fight for the payment plan.They wanted all or nothing (does that even make sense?)
It will be a long frustrating journey, but I have faith you will get there... and having your other half on board makes a HUGE difference! best of luck!! keep us updated!
January 7th, 2007 at 07:28 pm 1168198122