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Emergency Credit Solution

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white.shelby6



Joined: 28 Feb 2010
whiteshelby6's page
Posts: 1



31 Magic Points

Subject: Emergency Credit Solution
 
Posted on Sun Feb 28, 2010 8:54 pm  

Hello! I not only need to pay off all of my overdue credit cards, but I need them to remove all of the negative (past due, deliquent, charge-off) information from my credit report. How do I do this? I am a veteran and I need to utilize my VA Home loan, but my credit score is 411 and it needs to be 620+. I was out of work for 6 months, resulting in all sorts of negative info on my credit reports. I want to try to get it all fixed before the Home-Buyers Credit expires in April... please help!!!
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Sun Feb 28, 2010 11:32 pm  

Hello AND welcome You could try to call your credit cards and see if they will agree to a pay for delete. This is where if you agree to pay the debt they would remove it from your report. Usually this works best if the original creditor still owns the debt and has not sold it off to any collection agencies. If they have then the original creditors marks will remain on your credit report and still effect your score.
cinnamngrl



Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320



6413 Magic Points

 
Posted on Mon Mar 01, 2010 12:03 am  

annual credit report dot com to start.

Please describe the negatives
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Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: improve credit score
 
Posted on Mon Mar 01, 2010 6:00 am  

Hi White,

You should first pull a copy of your credit report. You can then check the accounts which are under collection, which are due, and how many charge-offs are there. Try to pay all these off, after settlements with the creditors and the collection company.

During the settlements you can ask the creditors and the collection agencies to agree to a "Pay for delete" (PFD) agreement. With the PFD, the creditors and the collection agencies will report your accounts as being paid. After settling to pay off the debts, it is better to pay off the dues in full. Paying the charged off accounts improves the credit score the most, as it removes all negative details on the account.

Hope this helps.
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