You should be able to get the LATE update to pays as agreed. You’ll see how on my CD. Also on my CD you will receive 2 powerful credit-boosting accounts…. It’s not enough to get a credit card that is not “seasoned.” You should have a card but you now will have to build history. That’s not good enough for your scores.

Are you thinking you will settle the $1200 and $800 debts? Have you confirmed on all reports that these 2 accounts are 100% accurate and verifiable?

Mike

My CD will work because all 8 secrets are tested by many, many people. These secrets give you 2 powerful credit-boosting accounts to add immediately. You should and you must add these two accounts. These are just two. Most people I talk with do not have enough ACTIVE and OPEN accounts (aka “tradelines” in the biz).

Credit improvement is more powerful than credit repair!

Mike

I am in the NACA program so only the last 24 months of my credit history will be looked at. I dont have any open good accounts right now but I spoke to my credit union and they are going to help me get some good tradelines that can be reported loans, credit cards etc. I am also eventually going to get another car so I want the intrest rate to be ok. Thanks Mike

How old is each negative account? Do you know your scores mostly come from all credit activity in the most recent 24 months? Let me know what kind of negative credit you have.

Last, how many good (open) credit accounts do you have? Ideally, you will have 3 “tradelines.”

Thanks so much for your very kind words, Lisa.

Mike

A credit repair company’s ONLY strategy is to score deletions….score deletions by firing off rounds of dispute letters. Please listen carefully: there’s a time and a place for deletions.

But not EVERY bad credit account benefits from getting deleted. When a bad credit account is removed, it removes a CREDIT account, even if it’s bad. If you have little credit, what do you have left to score? Improving your credit is NOT and CANNOT be about scoring deletions. You must add credit at the same time.

With some credit accounts, the strategy might be to go after a deletion. With other credit accounts, you might want to pursue FAVORABLE reporting such as “paid as agreed.” You also might get the “LATE 30 Days” updated to reflect never late. You don’t want to delete the account. You don’t want to remove the history.

Remember, bad credit is better than NO credit. I hear from more people who are shocked that living responsibly for years on cash makes it very difficult to get any kind of credit when they actually need credit.

Hope this helps you understand that credit improvement is not always about common sense or what’s logical.

Mike

Mike