Got Bad Credit?? Need It Fixed??

wow....this thread is still going???

so I fixed my credit buy going to the 3 (trans, equifax, and experian) on dec 27 2007 and disputing any and everything they would let me and on feb 5 08 (not all the same day but close) I got an e-mail about the disputes saying each one had been deleted except one F*CK YEA!!!!!! to me this is the easy way to go about it and they just apply for the small cards with low limits and keep it moving!!!!

I tried reading through the thread but didn't quite understand the steps to take. Do I just send out those letters, then let the rest do the talking? I don't even know the negative marks on my account, so how will I know what to send and to which companies?

well what advise do you have for me. my credit was messed up and i took steps in boosting it up. right now i have cleared major debts, kept credit balance to a minimum and my i have increased my credit limits. the problem is my transuinio scores sits at 710 and i keep monitoring it and it always increases every months. but when i checked equifax and experian my scores are still terrible there and seems there is no major changes. i have one negative report on my history and that was because i was a co-signer. is there anyway i can dispute it despite the fact that the account is closed and paid off.

so i just got all three of my credit reports. theres like 3 things in collections right now. do i send the dispute letters to the 3 credit bureaus and to the collections companies, or just to the credit bureaus?

I have a student loan I haven't paid in about 3 years. For three years I haven't gotten a call about the loans, I guess they had my old number on file which have been changed. Anyway, now I'm trying to go back to school in the fall, I applied for Financial aid earlier in the year and they got back to me and told me that I'm DEFAULT on one or more federal student loans. So they say I can't get a federal loan unless I take care of that default loan and on top of that, I'm starting to get calls from a collector about the debt from 3 years ago. Now I don't what I should do, should I try to dispute this debt or should I just get on a payment plan with the collector?

What I want to know is how do you get all the negative items you do have to pay off taken care of, in regards to a monthly basis? Can't I get it all summed into one payment a month?

so i have my credit report and scores, i'm on myFICO now. no late payments, no collections, nothing that's really bad except i have high balances and several student loans that have resulted in a bunch of debt. i have to wonder how i can help that cause.

Ok I checked FICO n did all that. My score is 607 cuz I have a few late payments.. I have a few loans that I have paid off already that are still on my credit report, but I have a late payment on one of them. Should I get those removed, or should I let those remain on my report, to show that I have paid things off. I guess what Im tryna say is what, things should I remove from my credit report?