Real talk...my actual credit score should be 750+ but im in the 600's

[Klyk21]

fukking cellphone(200 bux late), bank account (300 bux late) and a credit card (150 bucks and late) were all on my record in 2008. shyt, EVERYBODY had bad credit that year. Flash forward and i dun paid this shyt off back in 2010 but its still on my fukking record showing as negative. In the past four years, i havent been late on one damn payment!! Why is this not showing? Paid off a loan that i was raped by...pay my bills on-time and use very little on my credit card. That little couple hundred bucks has cost me thousands! I even paid off another auto loan in 2009. 3 years of positive payments but where is the green score? All i see is red and a sorry ass 600 or so through credit karma

 

[Tunez]

Take out loans to fukk up your credit score brehs

 

[mannyrs13]

Don't pay your bills on time and expect them to forgive you brehs

 

[Amy Traphouse]

You fukkes it up by having negative credit. Those 30/60/90 day late payments can drop your score 30pts for each debtor each time you're late. No matter how much positive you put on top of it, the negatives are there and might not go away for years.

 

[Klyk21]

Take out loans to fukk up your credit score brehs

what? Did you even read the message?

Don't pay your bills on time and expect them to forgive you brehs

....Negged!

 

[Smoke]

Did you check all the different scores? I checked mine when I was buying my car a couple years ago, and it was 3 different scores. All of them were high, but it was probably a range of like 100 points between 2 of the scores.

 

[Klyk21]

Did you check all the different scores? I checked mine when I was buying my car a couple years ago, and it was 3 different scores. All of them were high, but it was probably a range of like 100 points between 2 of the scores.

Highest was "fair". That was back in february. Im sure its gone up but credit karma has me in the 600's and they're pretty accurate as far as i know.


Edit: Damn, i didnt know this was a legit policy...thought it was only a proposal brehs...
http://www.huffingtonpost.com/neal-..._5699406.html?utm_hp_ref=business&ir=Business

 

[MR. SNIFLES]

YOU HAVE TO DO SOMETHING ABOUT IT. THE 3 CREDIT BUREAUS WON'T DO IT. CALL YOUR CREDITORS AND TALK TO SOMEONE ABOUT HAVING IT REMOVED. IF THAT DOESN'T WORK CALL ONE OF THOSE CREDIT FIXER UPPERS.

 

[The Goodz]

fukking cellphone(200 bux late), bank account (300 bux late) and a credit card (150 bucks and late) were all on my record in 2008. shyt, EVERYBODY had bad credit that year. Flash forward and i dun paid this shyt off back in 2010 but its still on my fukking record showing as negative. In the past four years, i havent been late on one damn payment!! Why is this not showing? Paid off a loan that i was raped by...pay my bills on-time and use very little on my credit card. That little couple hundred bucks has cost me thousands! I even paid off another auto loan in 2009. 3 years of positive payments but where is the green score? All i see is red and a sorry ass 600 or so through credit karma

so NOOOOOOOOOOO it shouldnt be 750+

 

[Klyk21]

so NOOOOOOOOOOO it shouldnt be 750+

shut up before i NEWEGG your ass! Did you not miss the date bytch ass boy? 2 fukking 00 fukking 8! Debt was less than 800 bucks!! People have 30-50k debts with higher scores! Its callled tiers! A person thats late on a 200 dollar debt shouldnt have his or her score be affected the same as someone with a 20000 default! Thats my whole fukking point!!!

 

[dtownreppin214]

you should have negotiated a PFD (pay for deletion).

but if they went delinquent in 2008, they should be coming off next year (7 year mark).

 

[Hersh]

real talk.. its 650

 

[Klyk21]

you should have negotiated a PFD (pay for deletion).

but if they went delinquent in 2008, they should be coming off next year (7 year mark).

Didnt find out about that till' after i paid the settlement. But with this recent news i posted above, I should be good.

 

[dtownreppin214]

YOU HAVE TO DO SOMETHING ABOUT IT. THE 3 CREDIT BUREAUS WON'T DO IT. CALL YOUR CREDITORS AND TALK TO SOMEONE ABOUT HAVING IT REMOVED. IF THAT DOESN'T WORK CALL ONE OF THOSE CREDIT FIXER UPPERS.

nah don't do that. those people are crooks.

 

[dtownreppin214]

Didnt find out about that till' after i paid the settlement. But with this recent news i posted above, I should be good.

i would submit disputes with transunion (since that's what CK uses), if they cant verify the debt in 30 days then it will be deleted.

if that doesn't work, call the company that owns the debt and just ask them to delete it out of goodwill. they might work with you since you are already 6 years out. just make up a sob story about you trying to get a mortgage and this debt is preventing you from getting approved.