need c redit score to be 620 in six months

Submitted by jimblack on Thu, 08/05/2010 - 22:27

We just applied for a HUD loan and have a credit score of 614. The agent sent us to a debt consumer counseling service to boost our score. I am very hesistant on agreeing to pay off these old debts. I can get a 2300 dollar judgmant to show as paid, since i have the receipt of paying it two years ago. Another debt will automatically drop off in 3 months. That leaves only six negatives left and four of those are charged off. Do I really need to agree to pay of these debts, I actually already live off a tight budget with no room for errors. I mean she is only talking about 6 more points after all. The only other thing is a truck that got repossed in 2005. It shows i owe 13,000 on it. My total debt is 18,000.
I hired lexington law firm a year ago and it cost 70$ a month. My credit score went from 460 to 614 in the last year. Unfortunately my rent has gone from 500 to 750 and I am stuck in a lease. Any ideas or advice is greatly wanted.
James

Hi jimblack,

It is better to pay off the debts. Even if your score increases, but you don't pay off the debts you can fail to qualify for a loan. However, before you start making payments to any off the debt, find out if the Statute of Limitations on these debts has expired. You can then try to dispute those items off your credit report.

I can get a 2300 dollar judgmant to show as paid, since i have the receipt of paying it two years ago.

Yes, you should do this immediately.

You can also get the charge-offs removed if you pay off the debt with the original creditor or lender. For that you will have to request the original creditor to pull back the account from the collection agency. However, not all creditors agree to this and this will also depend on the account sell off.

You can try repairing your credit on your own, rather than joining any credit repair s4ervice. You can rather forward the money that you will pay toward the credit repair service, to unpaid accounts. Before making the payments also request the creditors, and colelction agencies accordingly to agree to "Pay for delete" (PFD) agreement. With PFD the negative items get deleted from your credit report.

You can also get added as an authorized user to a relative's account who has a good credit score. This will increase your score in short time.

Thanks,

Aaron

Fri, 08/06/2010 - 07:19 Permalink
magician (not verified)

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Wed, 03/27/2019 - 09:19 Permalink
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Sun, 03/31/2019 - 18:20 Permalink
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Mon, 04/01/2019 - 08:04 Permalink
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Mon, 04/01/2019 - 08:16 Permalink
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Mon, 04/01/2019 - 17:29 Permalink
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Thu, 04/04/2019 - 22:42 Permalink
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Fri, 04/05/2019 - 03:43 Permalink
Stephanie Quintanar (not verified)

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Fri, 04/05/2019 - 06:45 Permalink
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Wed, 06/12/2019 - 16:16 Permalink
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Thu, 06/13/2019 - 10:55 Permalink
Kyle Abraham (not verified)

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Sat, 06/29/2019 - 01:06 Permalink
Gerard Sanderson (not verified)

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Sun, 08/04/2019 - 19:43 Permalink
Ray Harrington (not verified)

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Sun, 08/04/2019 - 23:07 Permalink
Jacob Smith (not verified)

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Sun, 08/25/2019 - 21:42 Permalink
Jessica Grigori (not verified)

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Tue, 09/03/2019 - 22:40 Permalink
Jack Anger (not verified)

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Sun, 09/15/2019 - 17:13 Permalink
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Wed, 10/09/2019 - 10:57 Permalink
Christy M (not verified)

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Sat, 10/26/2019 - 18:49 Permalink
David Carbajal (not verified)

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Sun, 10/27/2019 - 19:54 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Tue, 12/24/2019 - 07:15 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Tue, 12/24/2019 - 07:15 Permalink
pat cadwell (not verified)

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Mon, 12/30/2019 - 21:43 Permalink
Manuela Queck (not verified)

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Tue, 01/07/2020 - 23:30 Permalink
BelleAllen (not verified)

I was all in debt and was confused about what to do with my life until i found this great hacker on the internet with wonderful reviews in different blog about credit repairs and how good he is. So i contacted him and explained all my problems to him and i was surprised when he said he's ready to help me with the little money i have with me. He help me clear all the negative items on my credit report, late payment were marked as paid and increase my credit score to 825 excellent and i got approved for car loans, house loans and all. He's also help me clear all my credit cards debts. He's real, honest and affordable. Kindly contact him with the following details and get your credit fixed fast.
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Wed, 01/15/2020 - 23:52 Permalink
Austin Benedict (not verified)

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Mon, 01/20/2020 - 22:26 Permalink
Bodaway Cliff (not verified)

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Tue, 01/21/2020 - 00:14 Permalink
Calon Jossy (not verified)

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Tue, 02/11/2020 - 12:25 Permalink
knicolelaw (not verified)

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Mon, 02/17/2020 - 23:26 Permalink
Elisa Brownson (not verified)

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Tue, 02/25/2020 - 17:55 Permalink
James M (not verified)

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Thu, 02/27/2020 - 23:04 Permalink
Harry Clifford (not verified)

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Fri, 03/13/2020 - 02:04 Permalink
Stewart Cliff (not verified)

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Wed, 03/25/2020 - 14:22 Permalink
Kristopher Graysen (not verified)

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Mon, 03/30/2020 - 21:40 Permalink
Alfred Ryan (not verified)

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Thu, 04/02/2020 - 01:46 Permalink
EOGHAN MOORE (not verified)

I got the 609 credit repair program from QUADHACKED@GMAIL.COM some months ago. He got rid of 4 out 5 charge offs after 3 rounds of letters. My credit score went from 578 to 725 and will go up more from now on. Thanks brother for not only helping me fix my credit and peace of mind but, educating me on how credit scores work and how to keep it top notch. You are the man. Best $200 I ever spent. If you need to delete blemishes from your credit report or increase your credit score , Write the email address i'll be leaving below, telling him of your credit service needs, you'll be glad you did so,especially if you've had eviction blemishes and collections wiped off your report. QUADHACKED@GMAIL.COM

Sat, 04/04/2020 - 02:56 Permalink
Frank H Koch (not verified)

I had a terrible credit score, dead credit profile... But after so many reviews on Disquss, I had to use their service to fix my credit. I thought they weren't really going to do anything but to my biggest surprise I got notifications from IdentityIQ my negatives are falling off and score improved by 277points in few days. 760 Plus Credit Score as the name implies is simply the best credit repair team. Quickly contact via 760pluscreditscore@gmail.com or text: +1(304) -774 -5902.

Sat, 04/04/2020 - 10:25 Permalink
Frank H Koch (not verified)

I had a terrible credit score, dead credit profile... But after so many reviews on Disquss, I had to use their service to fix my credit. I thought they weren't really going to do anything but to my biggest surprise I got notifications from IdentityIQ my negatives are falling off and score improved by 277points in few days. 760 Plus Credit Score as the name implies is simply the best credit repair team. Quickly contact via 760pluscreditscore@gmail.com or text: +1(304) -774 -5902.

Sat, 04/04/2020 - 10:26 Permalink
Robert Olivia (not verified)

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Wed, 04/08/2020 - 01:56 Permalink