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Subject: Debt
Posted on Fri Dec 17, 2010 4:25 am  

Hi everyone, Im new to this but not to debt. I do find a lot of these forum helpful. I al need more help, How can I ask for help in one on one base here?

Subject: Credit Repair
Posted on Fri Dec 17, 2010 11:54 am  

Hi everyone. New to the site as well. I hope someone can help me. Being ignorant and foolish, I need all the help I can get. Pulled my credit bureau and I need assistance to resolve a few things.

1. Civil Judgement filed. How do I remove or resolve?
2. Should I send out a debt validation letter or debt verification letter?
3. Read in another post that I should send out a letter to the CRA's to remove CA's. I confused now.

Joined: 31 Dec 2010
straightgride's page
Posts: 2

37 Magic Points

Posted on Fri Dec 31, 2010 7:00 am  

Not really sure what my exact score is, i've never checked it, but appearently I'm 19 and my credit is already ruined. Just asked a question 5 minutes ago on this site. My name is Stephanie.
Matt Wegner

Subject: Intro
Posted on Tue Jan 04, 2011 2:50 am  

Hi everyone. I'm new to the forum, and a little weird because my credit is ok but I'm not worried about my credit. I'm debt free and don't borrow money so I don't worry about my credit score. I check my credit report but the score is meaningless to me. Kind of a weird place to be compared to most people out there but it's awesome to not have to worry about debt!


Joined: 31 Dec 2010
MattWegner's page
Posts: 1
Location: Sheboygan, WI

0 Magic Points

Subject: Oops - logged in as a guest before
Posted on Tue Jan 04, 2011 5:27 pm  

Thought I would re-post this under my actual profile since I posted as a guest before. Glad to be here!

Hi everyone. I'm new to the forum, and a little weird because my credit is ok but I'm not worried about my credit. I'm debt free and don't borrow money so I don't worry about my credit score. I check my credit report but the score is meaningless to me. Kind of a weird place to be compared to most people out there but it's awesome to not have to worry about debt!

Joined: 10 Jan 2011
mykkyee's page
Posts: 1

0 Magic Points

Subject: New to forum
Posted on Tue Jan 11, 2011 1:05 am  

I am new to the forum and looking for any advice on repairing my score of 451. I know I need to start by getting a copy of my report which is in the process. I have several issues including payday loans, child support and other problems on there and looking to get it cleaned up because my significant other and myself would like to purchase a house. Any suggestions would help! Thanks!


Joined: 19 Jan 2011
Allmostthere's page
Posts: 1

0 Magic Points

Subject: Welcome Wagon
Posted on Wed Jan 19, 2011 6:44 pm  

I just joined the group though I have been struggling with debt for over 3 years. I live just outside of NYC. Glad to have a support system. It is tough going through this alone.

Joined: 25 Jan 2011
williav3's page
Posts: 3

32 Magic Points

Posted on Tue Jan 25, 2011 7:16 pm  

Hi I am new to this site. I was introduce to this site by accident. I was looking on my credit report and saw HNB-IND on it stating I owe 10,000 to them. I don't know who they are so I googled it and
it brought me here to this web site. However, it must have been a god sent because my credit is very bad. So, if someone can tell me more about the site. Also, if someone know's anything about HNB-IND please inform me.

Joined: 11 Feb 2011
KelelinaAnne's page
Posts: 1

0 Magic Points

Posted on Fri Feb 11, 2011 2:07 am  

Hello I am Kelelina.I have at least two judgements against me that I know of. I live in New York State. I am totally confused from what I have read this evening. One place says a judgement is good for 10 years while someone else says it is good for 20 years.Can someone let me know the facts in the matter.I am disabled and on a very small fixed income, so I have a tough time with having much money.I am trying my best not to use my credit cards, but at times I must use them.

Joined: 03 Mar 2011
Jewelybug's page
Posts: 3

19 Magic Points

Posted on Thu Mar 03, 2011 8:00 pm  

Hello Smile I am new to this forum (obviously), and wanted to take a minute to introduce myself. ALthough I feel like my credit is completely helpless and hopeless, I'm going to give it my all and over time hopefully I can get my life together. I've spent hours and hours reading advice from people, and I look forward to being able to post and seek the help of the knowledgeable contributors on the forum. Thanks to everyone who help both myself and others.

Joined: 08 Mar 2011
rlugo's page
Posts: 2

10 Magic Points

Subject: Introduction
Posted on Tue Mar 08, 2011 6:35 pm  

I'd like to introduce myself. I'm Ricardo and I am very much hoping this community will help me understand the various topics of credit reporting and credit repair as I can't seem to do anything right in terms of getting favorable results in my credit report.

Subject: Hi
Posted on Fri Mar 11, 2011 7:30 pm  

Hi. My name is JJ. I just wanted to introduce myself to this community as well. I read many of the posts here and was very impressed with most of the observations and suggestions made here from other users about credit issues. I have started working and repairing my own as well. Most answers can be found by doing the proper research on the internet and taking the time to budget your own financial issues, not by a quick fix it scheme. Credit Repair does take time and hopefully most people have realized there is not magical power to automatically erase a bad credit score and even more so your debt will not go away. There are ways to fix these issues, but they begin with the person themselves, mostly including lifestyle changes. When I recently budgeted my finances I freaked out when I realized what was happening. Furthermore, I received my free credit report and analyzed my history. I realized how my mistakes were negatively affecting my credit score, so I made a promise to myself to get myself out of debt and raise my score at the same time. Unfortunately I do have some late payments in my history that will not fall off my credit report until I hit the 7 year mark in 2013, which by then I am sure my credit will increase that much more. Every little bit helps. LOL. Anyways, I have reviewed a lot of issues and it is a waiting game. There are little things you can do to start fixing your credit and that is to make sure that on all balances, especially credit cards, get them to about 20 to 30% of the limit. This will dramatically increase your score. Always repay your bills on time. Start showing a positive credit history. Its never too late to start. If you are planning on buying a house or car, prepare in enough time. Don't expect dramatic changes to your credit within a week. It takes months to even years to fix depending on your situation. Like me, I have 2 more years to deal with the negative impact. Another thing to help improve your income is buy utilizing a debt repayment system known as the snowball effect. It actually works. Since January 2011 I have paid off 4 credit cards and am now working on another one. Yes I was young and stupid, but I am now 29 and need to start preparing for my future. I do have one daughter (many expenses for her, but all worth it), 29,000 in student loans, 10,000 on a car, and was 8,000 in credit card / other personal loan debt. Fortunately I do have a secure job for this economy now. I have made the initial steps towards a recovery in many aspects and I found many ways to cut expenses in lifestyle. I have even dragged the rest of my family into doing it. I currently have only 4,500 more in credit card debt and 8,000 on the car. Yes the loans are still there. Hahaha. My goal is to make become debt free in 2 years while raising my score. I realized to balance my debt to credit ratio as this highly impacts your credit score by not having too high of balances on my account. I will also not get to the point where I will be a high risk by having too much credit open as well. (I had to mention that point as well.) So by preparing now and do the necessary changes not only for finances and lifestyle my credit is actually improving. I recently reviewed my credit report again and disputed one item which had been placed on my report. I did this on my own and lucky for me I could prove with out a reasonable doubt that this item was false. Remember the bureaus can not remove items which are legally verifiable. Otherwise, just sit it out as I have done and wait for them to fall off. It takes time, but its not the end of the world. Make changes now. For those who have trouble making payments on time, fix those issues with debt management. You won't fix anything until you can fix your own budget. It takes time and patience, but in the end its worth it. Try reviewing the snowball affect where one pays off smaller balances first. This will help to free more money to pay off debt. I hope in 5 years to have the house of my dreams and move out of my condo (yes I own it) so my daughter can have that better life than I did. Make the necessary sacrifices to make your goals and dreams come true as well, especially if it means giving up your everyday starbucks or whatever. Build credit. Don't charge on accounts if you can't pay them. Bring down your balances. Diversify your credit. There is Good Credit and there is Bad Credit. Beleive me, I had both.

Joined: 26 Mar 2011
sprayking's page
Posts: 3

27 Magic Points

Subject: Hey Everyone....Low Score here!! LOL
Posted on Sat Mar 26, 2011 6:06 pm  

Hey guys , Yes gotta take care of of my credit now and my internet searches landed me here!! Good place. Well i got a 501 and no major derogs except a few medical bills from 03-05 less than 3K, no credit card collections, no tax liens, Just no credit. Only good thing is a wells fargo secured limit of 300 had it 2.5 yrs but pretty over 200 bal the whole time. I just paid it off and want to get my score up over 640 so I can buy a house. I really want the fastest way to get my score up but have no real plan. more secured cards?? any help is appreciated.

Subject: buying a house while in a chapter 13
Posted on Wed Apr 13, 2011 1:11 am  

I am in the final stages of a chapter 13 and i am trying to buy a house. I have credit scores of 643, 633 and 623 and not ableto find a lender. Could anyone give me some pointers?

Joined: 02 May 2011
RafesHD's page
Posts: 1

0 Magic Points

Subject: Credit is as much a job as my job is.
Posted on Mon May 02, 2011 9:32 pm  

I just started the Credit management track. 10 years ago I paid off all, after a divorce. I have not financed any thing. My score is a womping 575, I have a couple medical bills from a couple years ago that I just found in collections. The collection companies sure do jack up the balance. My Fiancee has student loans and lots of credit that we have to work off too. I find this site helpful and will be here often in the next months to come.

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