Credit Report Watch
2010
Will paying the collection agency off on my credit report bring my score up any?
In the military and have been gone a year, when I returned I ran credit report and found two collection agencies (phone, utilities) from my last move. I payed them both off. My credit score is only 600 and I want to buy a house in next 9-12 months. With this score I’ll never get a mortgage.
How fast will your score come up if you take care of the bad things on the report and pay all bills on time or in full?? Person who was watching my affairs did not do a great job.
Thank you for all the good work you do protecting America. As a Veteran, I salute you.
To answer your question, no it will not help your credit score. You have a 600 score, so you will qualify for a mortgage loan. You will pay through the nose in interest, though. But some of the lenders in my network would definately be able to get you a loan with a 600 score.
But you have another option. You could try a credit restoration. If you are looking to buy a house in 9-12 months, this might be the way to go. It will clear the negatives from your report (yes, even if they are legit) and your score will start to rise immediately. There are naysayers out there who will tell you that this is not a legitimate thing. They are just too lazy to educate themselves. If you read the Fair Credit Reporting Act, it tells you that you can have any information removed. Nothing has to stay on your report for any length of time. If anyone tells you otherwise, you tell them to email me and I will quote chapter and verse to prove them wrong. Yes, it is true that you can do it yourself. But you can also represent yourself in court, fix your own car, build your own house and buy your own insurance. But you don’t. There are professionals to do those things for you because they are trained to do so. The same is true with credit restoration. But be careful if you choose this route. There are ONLY THREE legitimate credit restoration companies in the United States. So do your due dilligence BEFORE you sign up to use one.
If you have any questions regarding credit issues, you may email me at nebula7693@yahoo.com
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