I was kinda wild with the carelessness from ages 18-24 and ran my credit to the ground. I know this is the coli where everybody is balling and credit scores way into the 900s, but I'm trynna clear my line up before I'm 30( I got 4 years :tellmemore: ). Trying to get a house and all that jazz, ya feel me.
I got some stuff on my record that may have been off because of statue of limitation, but I'm unsure on how that works.
like my first car I got @ 18, all by myself...went into default and like in early 2006, got charged off and my balance was/is like 3k.
-I dunno if I should pay off the balance or just leave it be since it's been a pretty long time(over 7 years).
My student loans defaulted too, but I worked out something with the department of education last month, so as long as I make these payments thru Nov, I should be straight and eligible for another student loan (and it comes off my history, according to them). I owe almost 8k but they would settle for 5800.
I cosigned on another car loan in 07( I dont even know how)
That vehicle defaulted, but its now fully paid off as of last month. ( Me and the owner had to pay garnishments) Now I need to figure out how can I get that off my record since its paid.
Those were the most expensive on my history, but I'm sure I got some smaller amounts on there, although they may be old. Like a medical bill I didnt pay for in 06 for like $1500, credit card in 05 for about $300, cable bills and old sprint bill from 05 as well. Most of my dept, stems from 04-07, outside of my student loans.
I have no problem trying to pay these, I just wanna know if its necessary. I've read online that paying very old(4+) could bring new activity to old bill and still may bring ur score down, even tho its paid
Before my Student loans defaulted(in 2011) my score was still very low(sub 600) but after it got on my record, it dipped me down to sub 300(
)
I'm not afraid to say it, cause I know I can get it back up to adequate levels, I just need to know how to go about it. A nikka working 3 jobs, I ain't got nobody to blame but myself. Drigo did that, so hopefully you wouldn't have to go through that.
I got some stuff on my record that may have been off because of statue of limitation, but I'm unsure on how that works.
like my first car I got @ 18, all by myself...went into default and like in early 2006, got charged off and my balance was/is like 3k.
-I dunno if I should pay off the balance or just leave it be since it's been a pretty long time(over 7 years).
My student loans defaulted too, but I worked out something with the department of education last month, so as long as I make these payments thru Nov, I should be straight and eligible for another student loan (and it comes off my history, according to them). I owe almost 8k but they would settle for 5800.
I cosigned on another car loan in 07( I dont even know how)
That vehicle defaulted, but its now fully paid off as of last month. ( Me and the owner had to pay garnishments) Now I need to figure out how can I get that off my record since its paid.
Those were the most expensive on my history, but I'm sure I got some smaller amounts on there, although they may be old. Like a medical bill I didnt pay for in 06 for like $1500, credit card in 05 for about $300, cable bills and old sprint bill from 05 as well. Most of my dept, stems from 04-07, outside of my student loans.
I have no problem trying to pay these, I just wanna know if its necessary. I've read online that paying very old(4+) could bring new activity to old bill and still may bring ur score down, even tho its paid
Before my Student loans defaulted(in 2011) my score was still very low(sub 600) but after it got on my record, it dipped me down to sub 300()I'm not afraid to say it, cause I know I can get it back up to adequate levels, I just need to know how to go about it. A nikka working 3 jobs, I ain't got nobody to blame but myself. Drigo did that, so hopefully you wouldn't have to go through that.
