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Paying off old debt

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

Subject: Paying off old debt
 
Posted on Sat Nov 03, 2007 11:40 am  

Does paying off old debt increase my credit score? I have been working on getting some old stuff out of the way, I am trying to keep caught up or current on present bills. I am probably better off trying to keep present bills current right?
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Sat Nov 03, 2007 7:14 pm  

Hi Goodnatured,
Yes, absolutely keep the present bills current as that will help you more at this point I would think than worrying about old bills. I learned the hard way that the old stuff will always be there and all you can do is try to pay what you can on the old debts. As far as increasing your credit score, i paid some old debts in full and it does help some. depends how old these debts are and if they are in collections, are charge offs, etc. good luck
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Sun Nov 04, 2007 12:48 am  

Well, most of them are already paid. I have one more that I am currently dealing with, but trying to pay the past and keep up with the present is sometimes a balancing act that is just impossible to handle. I appreciate your comments, as you see I finally found this site, thanks for inviting me, I should have came here alot sooner. Good folks with good advice.
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Sun Nov 04, 2007 12:59 am  

Hey! good to see you here for sure. You have so much knowledge good, and I have read some of your other posts here, you'll be a very valued member here. I'm very happy to hear that most of your debts are paid, that's a big relief i'm sure. I know when i finally paid all my consolidation debts off it felt soooooo good! balancing act it is and it is far from easy but it's comforting to know that other folks have gone through similar situations.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Sun Nov 04, 2007 1:25 am  

These forums are great for that, don't feel like your being judged or that someone will throw rocks at you, LOL. Did you get my PM?
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Sun Nov 04, 2007 11:26 am  

Morning, sure did and answered you back. You really have some good questions on here, especially about the arbitration process. really wish i could give you some insight on that and am hoping that someone comes along to help you out as i'm curious too. going through some stuff with a CA, gosh they just keep calling me like there's no tomorrow.
yeah no rocks here Wink i havne't seen one flamer yet which is great!!
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Sun Nov 04, 2007 12:02 pm  

I guess I will have to come on after it is all said and done and post what happened. Maybe my experience will help someone else out. I am going to check out my pm's did not want to put that one out on the board, thanks for responding.
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Sun Nov 04, 2007 2:51 pm  

sure, wish you well through that experience. i hope everything works out for your better good and not theirs!
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Sun Nov 04, 2007 2:54 pm  

I am hoping that way too, I will gain one thing from it, knowledge to pass on to others so experience is never a bad thing to me, I have to take one good thing away from everything even if it is a hard lesson learned.

Look at the bright side, I will be able to help others with or warn others I should say with my vast knowledge about the process as it happens here in Pennsylvania. LOL

Don't mean to make light of it, but there is no sense in dwelling or worrying I have enough on my plate as it is.
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Mon Nov 05, 2007 11:59 pm  

Hey I don't blame you for your frame of mind, LOL. you either laugh or cry reading your other posts you've been dealing with this particular company for quite some time, they finally 'got their act' together and went after you. I am interested to see how this turns out for you.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Tue Nov 06, 2007 1:23 am  

I will just be happy to have some kind of result, it has been so time consuming. I need an end to this one way or another.
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



37081 Magic Points

 
Posted on Tue Nov 06, 2007 6:04 am  

Well
Quote:
Rome was not built in a day
...this is repeated by sdchargers. I am saying this because I feel when it comes to financial matters it takes time to settle. You have to build with patience Smile All the best.
_________________
Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



605 Magic Points

 
Posted on Wed Nov 07, 2007 11:22 am  

Oh Laura you are so right, if you look up patience in the dictionary, my picture is beside it, lol, just kidding. I am just getting a little anxious because of the upcoming aribitration, I don't have a date yet. I think it takes about 30 days after I recieve the letter, hope they wait till after the holidays.

I am thinking I should see some positive results on my credit report over the next year. I have been working at it. we shall see, I am not gonna pull it for a few months yet.
debtstinker



Joined: 03 Nov 2007
debtstinker's page
Posts: 272



16 Magic Points

 
Posted on Wed Nov 07, 2007 1:00 pm  

Good you will do just fine, understandable you're nervous about arbitration and again i hope you keep in touch with us regarding that because we can learn from your experiences, but reading many of your posts you're strong and resourceful and it's obvious to all the forum members that you are sincere in rebuilding your credit and keeping it strong!
Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on Thu Nov 08, 2007 5:31 am  

Keep up the spirit good. You will do fine. Hope you have been answered on the arbitration question that you put. I am researching on it. Will tell you once I find anything useful that has not been mentioned.
_________________
All the Best Smile
Justin

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