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Thread: Hello Everybody

   
   
  1. 05-20-2011, 02:39 PM #1
    johndoe001
    johndoe001 is offline White Belt
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    May 2011
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    Default Hello Everybody

    I am a 53 yr man in AZ, I am disabled and living on SSD. Hopefully in a year or so i'll be able to go back to work, with better credit.

    I have a Visa with a $500 limit that I use for just about everything and that I pay off every month. I my accounts I have $5000 in one online saving account and at a credit union where I get direct deposit of my SSA payments I have a $2000 in savings and a varying amount between $100 and $600 in checking.

    My credit score on March 25th 2011 was 607, my report has:

    • 2 emergency room visits and 1 ambulence ride payments in collection from '07

    • California '99 Tax lien for $12,000 listed as satisfied/released that is wrong, I actually had a $99 refund

    • $121 from Verizon that is also wrong

    • Salli Mae that was not paid on for a long time I just paid off for $2400


    I hope with the help of some of you fine people I can build a good credit score and repair my credit report.
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  2. 05-23-2011, 04:03 PM #2
    Magic69's Avatar
    Magic69
    Magic69 is offline Green Belt  
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    Oct 2007
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    Default

    You can write dispute letters for anything on your credit report that the bureaus are reporting inaccurately. They are required, by law, to remove inaccuracies unless they can prove they have it right. Getting those things fixed will certainly boost your scores.
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