The credit Repair Thread

[Timothy Marley]

most brehs are past this point. All I can recommend is that you don’t pay anything without it being a pay/notice for deletion. Outside of that your goal should be building your credit. New tradelines making sure you pay any bills/debts you have now etc.

Yeah I see, just found this thread today. I’m gonna get a secured card next week for groceries. How would I go about getting that in writing from the third party? Wouldn’t a dispute letter be better since they really don’t own the original debt?

 

[NatiboyB]

Yeah I see, just found this thread today. I’m gonna get a secured card next week for groceries. How would I go about getting that in writing from the third party? Wouldn’t a dispute letter be better since they really don’t own the original debt?

Just keep it real with them when they call you tell them you will pay them a amount but only if they agree to pay it off and make sure they send it in writing. These companies like to re-age credit to keep you on the hook longer. Also if they have sold it to another debt collector dispute it under the guise of they need to provide verification that you owe them in some type of proof.

At this point they are either going to get what you give or they won’t get anything. Depending on your state the statute of limitations has probably ran out end the closer you get to 7 years it can just fall off but pay attention to it

 

[Alvin]

I have an 800 credit score so my shyt is good but I always see people advertise that they do this they personally look like they full of shyt to me. Is it really possible to repair your credit? I thought you would just build it back up

 

[NatiboyB]

I have an 800 credit score so my shyt is good but I always see people advertise that they do this they personally look like they full of shyt to me. Is it really possible to repair your credit? I thought you would just build it back up

yes it is....And most people never build it back up that's the issue....It's a lot of people who have almost generational bad credit.

 

[Jahbarri]

I have an old telephone bill that was fraudulent aswell as a car rental bill that was due to me getting a DUI that I beat in court. How does one get these removed from said credit report ? Please help greatly appreciated

 

[mastermind]

No real advice but this pandemic has seen my credit score go up from the 630s to 730s and rising. There is a good chance I will be in the 800s by next spring.

I am paying down my credit card and the only loans I have is through my retirement account.

 

[DeuceZ]

Score stuck at 799 just wanna see that 800 one time.

For brehs struggling with credit read the gems in this thread, definitely helped a nukka out. 1

 

[mastermind]

30% utilization is too high guys. I wouldn't do anything above 20%.

It’s not too high, although lower is best.

40% seems to be the balance number.

 

[CASHAPP]

Navy Federal Credit Union gave me 10k credit card after only being with them for 6 months.

What is your full balance each month that you are required to pay?

 

[Mr.Plan B]

What is your full balance each month that you are required to pay?

my minimum goes up based on how much I spend. Right now it’s only 35 bucks. But I pay it off each month or a big chunk of it. My credit utilization is based off all my card so have that $10k limit help me a lot I could spend 1000 each month and still be under 10 percent utilization.

 

[CASHAPP]

my minimum goes up based on how much I spend. Right now it’s only 35 bucks. But I pay it off each month or a big chunk of it. My credit utilization is based off all my card so have that $10k limit help me a lot I could spend 1000 each month and still be under 10 percent utilization.

thanks

I’ve read not to only pay the minimum but the full amount so your score doesn’t stay the same or drop. If you got a 10K limit and spend 1000 like you said, what would you estimate your full amount required to pay would be?

 

[Mr.Plan B]

thanks

I’ve read not to only pay the minimum but the full amount so your score doesn’t stay the same or drop. If you got a 10K limit and spend 1000 like you said, what would you estimate your full amount required to pay would be?

I would have to pay just $1000. For if I wanted to pay my card fully off for that month. After that payment is recorded to the credit bureau I can start spending on the card again. Just remember after you pay off your card each month wait 4 days before you start spending money off that card. You want to make sure that your card payment has been recorded to the credit bureaus before you start using the card again.

 

[Rich Spirit]

Delete

 

[Luken]

How u have delinquencies removed ? I’m canadian brehs and got fukked over by discount rental car and video from (fraud) both sent to collections. How do I get these removed please help. Once removed I will be in. A better position to buy a house in due time

you still need help breh?

 

[Jahbarri]

you still need help breh?

Yes exactly with what I stated breh videotron phone bill (fraud)and rental car discount collections