Credit repair

What is your credit Score ???

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asked: What is your credit Score ?

400-500

33%

500-600

36%

600-700

22%

700-900

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debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

113 Magic Points

Wed Nov 14, 2007 9:54 pm

I can't tell you how encouraging your posts are. I think our scores are in the upper 600's well hubby's is. Mine's in the lower 600's the interest rate you got looks really good and that stipulation is very reasonable. how did you or are you going to go about paying off your charge offs? i think I have 2, one was already paid in full years ago. the other i'm dealing with now. were your charge offs giving to a CA, do you plan on dealing with the original creditor? FHA I will look into thank you so very much. You're posts are helping out a younger couple trying to make it in this world trying to get some equity. renting isn't getting it for us anymore. after we had our son we realized that we needed to grow up in many ways. thanks again!

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 192
Location: Sunny Arizona

6672 Magic Points

Wed Nov 14, 2007 11:17 pm

If your scores are that....that is great!!!!

LOOK at FHA first though.... you will be better off in the LONG run.... Believe me.... The difference is stagering... especially in this current housing market...

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 192
Location: Sunny Arizona

6672 Magic Points

Thu Nov 15, 2007 1:09 am

debtstinker... sorry for not responding to your questions sooner.... we are packing up whats left to pack...

The charge offs I had to contend with were with a JDB (Junk Debt Buyer)... I paid off the small ones... I settled a $1900 c/o (this figure is seriously inflated with all their bogus fees etc) for $500.. This was with a law firm. And, I am quite suprised they settled for that. But, I think they just wanted a little jingle and were willing to go away all together.. Part of the settlement with them was the balance (1400) would not be sold to anyone else and that this matter with this particular card was over... Which is what I wanted..

The other card... is for over 4k.... This too has bogus fees...etc The actual amount is like $700... I basically DV them so the FHA people would be happy... In short this acct. is way past my SOL (Statue of Limitations). They also tried to take me to court back in my previous state last year.. I got that whole incident thrown out since I don't live there...Basically the judge told them come here to my new state if they want this addressed..They haven't so far. They listed this account as a Factoring Account on my reports... which is a no no... So, when I get moved and after Thanksgiving, I will address that with them in regards to this violation and they will be off my reports one way or another.

Well, I am sorry for my ramble....

But, if I can get a 275K loan, 100% finaced (closing cost and all) at a decent rate... with my scores.... Then I would have to say that a FHA is the only way to go... I must add that the income my partner and I make is over 100K.... Even so, we would have gotten the shaft if we would have gone the conventional route...

I don't know if you can make sense of all this babble...LOL... but, if we can get a FHA loan with the scores and all....than I am sure there are others who can as well...

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3133

5260 Magic Points

Thu Nov 15, 2007 2:05 am

Wow, 275k, I am inspired, that is awesome, thought I did good with a refinance of $45,000 and got my rate dropped from 11% to a flat 7%. I am really happy about that.

Great job, there SunDevilsfan!

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

113 Magic Points

Thu Nov 15, 2007 8:47 pm

Yes Sun, first of all please don't apologize, i'm very grateful you included all the information about your situation that you did and yes, your post makes sense. It's obvious the FHA was certainly teh way to go for you and I will definitely check them out, have nothing to lose there and we need all the help we can get!! especially in this market...I'm sure the market will get better, has to right??? Wink

that's incredible the amount of your loan and 100% financed with closing costs and all, just amazing. congratulations!!

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 192
Location: Sunny Arizona

6672 Magic Points

Thu Nov 15, 2007 9:52 pm

Yeah, the market will get better sooner or later.... But I really don't expect to get much better for at least a year here in AZ and California area....

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 638

104 Magic Points

Thu Nov 15, 2007 11:48 pm

My credit score is pretty high, up there in the high 700's the last time I checked, I have had years and years of credit building though and continue through out my later years in life.

The most important thing is to always pay your bills on time, and if you can put a few extra bucks in there towards the principal, it may not seem like much, but every little bit counts and you will be surprised how it pays off in the long run.

Polly

Joined: 06 Jul 2006
Polly's page
Posts: 63

3035 Magic Points

Fri Nov 16, 2007 3:42 am

Hi dadummy new on the forum? Welcome welcome. I feel happy to see new people around. Great job with your score.

My scores range from mid 700's to close to 800 Smile

. 765, 781, 798. I had the scores at 835, 820 and 819 prior to this. One bad credit card and I am in this mess. Will be out soon though. Wish me luck Smile

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3133

5260 Magic Points

Fri Nov 16, 2007 3:56 pm

that is still pretty high Polly, I am sure if it is your goal to reach those higher numbers again, you will make it. Hang in there and be patient.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

Polly

Joined: 06 Jul 2006
Polly's page
Posts: 63

3035 Magic Points

Sat Nov 17, 2007 5:20 am

thanks Good. I have always maintained good credit history. Hope not to have a single derogatory.

Credit scores can be maintained if we keep precaution of not overspending at any point in time. Guys dont trust these credit cards that come in without any reason or approval. There are a lots of hidden agenda attached to such cards. Can destroy your credit. Personal Experience. Smile

Good Luck
_________________
Here Comes POLLY
Smile

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3133

5260 Magic Points

Sat Nov 17, 2007 12:29 pm

I have had some bad experience with credit cards, got late and then the fees started piling up and eventually got way out of control. they will not work with you either, they don't care why you are late, all they want is their money and their excessive fees that they add on. I am still working my way through this crap. can't wait till it is over, Polly, this is the one that is in arbitration post.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 638

104 Magic Points

Sun Nov 18, 2007 1:16 am

Sounds like you are making a good attempt at cleaning up those old cards goodnatured. Maybe in time you will get a good offer that you feel comfortable taking, this will help you build your credit. If you don't feel comfortable with the offer don't take it, they will get better with time.

anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 492

12294 Magic Points

Tue Nov 20, 2007 4:35 am

My credit score is at 710 now. Need to do some more cleaning. Have already disputed one item which shows up. The same road side promotions. I never signed the papers and now they are on my report.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com

hummingbird

Joined: 10 Jan 2008
hummingbird's page
Posts: 129

724 Magic Points

Subject: What is you credit Score ?

Mon Jan 14, 2008 9:24 pm

great topic! Love it!

NYflame
Guest

Subject: score 505

Fri Feb 01, 2008 10:22 am

I think it is 505. I'm upset because it was much higher until debt.

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