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Originally Posted by DirtyDanza
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not looking so much to have a better score just don't want all the negative.. which is 90% medical anyways.... and those who say medical does not go against you with loans... I just went through it and medical does hurt.. cause it hurts your score then you get nailed with the intrest... so basicly I just want to pay em all off and I guess "start fresh"
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Medical is fucking brutal...I got hit with a double whammy of a 40k tax bill and a 40k hospital bill one year...of course both wanted to be paid immediately lol...
Anyways, long story short I've had fun with credit shit in the past...here's what I know has worked for friends/family/associates...
1) send in a HAND WRITTEN letter at a specific time of the year (yes it's coming up soon)...they have xx days to respond with proof of items listed (between the 3 agencies) and what they can't prove has to be taking off...this is almost always an easy way to knock a few pieces of bad items off for the cost of a hand written letter + a stamp
2) whatever credit lines you have open, pay them down to 30% of max...and maintain at those levels...if the monthly payment is say 50 bucks each month...make TWO payments of 25 bucks each...this creates more 'positive' credit inquiries that help 'stuff' your other 'not so nice' credit inquiries...
3) hire lex to do the stuff that wasn't cleaned up with the above 2 processes
dass eeet...
if you want a copy of a hand written letter I know was sent in (just prior to the holidays - reasoning is that it's a slow time of the year and very UNlikely that they can respond in time on some of the items that they don't have proof for)...
just email me at mainstreamcash at gmail and I'll find a copy and send the text of it over...