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Information to help with identity theft protection
April 12, 2010 by
Filed under fight identity theft
i wanna pay down debt, which is less than 20%dti and pay off outstanding balances but scared it will lower score a lot first just confused and need help fast. only 9000 in debt (because of identity theft) so i wanna settle some that are less than 200 and the rest im still fighting any advice?????
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you need 12 months in a row on credit report with no delinquent accounts. then you will be fine.
get a credit report call the agent who has the claim ask them if they are willing to do a settlement and 9 times out of 10 they will and you can even do payment arrangements on them and that brings it to your credit report as in good standing.
You should pay off your debt before even thinking about buying a home.
If it was true that is was identity theft then you should not be paying that amount at all. You should have contacted the authorities and put the person, even if he/she is a relative, in jail for the id theft.
nyb
hi I am in the same boat that you are in, and here is what my banker told me. I went to look for a home and my real estate agent gave me the name of a banker to aquire a loan from, but my score was low too, so he gave me my credit report and I simply went down the page of that report and paid off all of my creditors, the banker told me it may take months before it will appear on my report that all was paid in full. in the mean time he said I have to show revolving credit, I have to show that I can handle credit payments. he wanted me to get a credit card, gas card ect. and make minimal payments, the credit cards will increase my credit quickly and will show that I can handle having credit.
Now I have heard people say do not get a credit card that it will mess up your credit. and it is true that the more people look into your credit score the more you credit will go down. so i was told by a different bank not to do anything just let it lay. and wait for the score to increase.
so I am getting mixed messages, so I went back to my realestate agent and banker and this is how it was explained to me.
if I have paid off all my debt. yes it will increase my score alittle but my score will be stagnet. it does not show what I have been doing since eliminating my debt, it doesn’t tell the bank that I have learnd to handle credit and have a good history of credit payments in a timely fashion, that is what they are looking for. can you repay them on time??
secondly, if you are already in the process of paying of debt its o.k at this point to obtain a credit card because you score is already low, having someone look at it at this point won’t hurt it besides you are still paying things off. also if you are making car payments that counts as revolving credit as well, so if you are then don’t get the credit card just keep making the car payments on time.
third, check you credit report and if there are any errors at all call the companies and the reporting agencies and have them remove them. you are entitled to one free credit report annually so don’t get scammed. don’t let someone tell you, you have to pay for them. get the one that is free from the reporting agency itself. experian, felfax ect. ( i don’t remember how to spell those credit reporting names).
now I don’t have a car payment so I plan to either aquire a master card they have some for people with poor credit but its a lousy card with high intrest rates. still after you can show you can handle credit other companies will invite you to recieve thier unsecured credit cards with more resonable rates. but if you are going to do a credit card do it now while your score is already to low to care. it can only go up from here. if you trully can’t handle a card the you can wait but it will take much longer maybe year or two before you credit is up to a decent score. bottom line is you have to show you have a good credit history with revolving credit i.e. car payments, house payments, gas card, credit card ect. Debit cards and checking accounts do not count as credit. I hope this helps and I wish you luck. and wish me luck too, the prices of homes at least in my area are too good to pass up. some are as low as $9,000.00. I kid you not.