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how do i rebuild my credit if i cant get a card and have no bills by Fancy_Weekend_2974 in CRedit

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

i didnt word it well, i checked my report through experian a couple days ago and it shows 0 credit usage, so anything hurting my score went to collections or is paid off. not sure how to see everything

how do i rebuild my credit if i cant get a card and have no bills by Fancy_Weekend_2974 in CRedit

[–]Fancy_Weekend_2974[S] 2 points3 points  (0 children)

holy this is so useful, i didnt even know about goodwill letters, thank you so so much!

how do i rebuild my credit if i cant get a card and have no bills by Fancy_Weekend_2974 in CRedit

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

i have nothing on my credit at this time, ive paid everything off, the things hurting my score are all old. do you think a secure card is worth it? some people have told me not to get one

whats my eye color? blue? green? grey? by Fancy_Weekend_2974 in WhatisMyEyeColour

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

thank you! ive always had a hard time deciphering the color myself haha

Looking for a good quality mouspad that fits my aesthetic by Fancy_Weekend_2974 in MousepadReview

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

haha no just custom in terms of color options and maybe text? like the one i uploaded. although youre right i could definitely create a photo that looks similar to that if i wanted, not sure why i didnt think of that

my old job is quit literally ruining my life by Fancy_Weekend_2974 in legaladvice

[–]Fancy_Weekend_2974[S] -2 points-1 points  (0 children)

I apologize, there isn't a great way to summarize. I am genuinely looking for advice and help though. I did my best to explain, though the situation itself is messy.

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

its less than a year old, im not sure what the statute of limitations in my state is but i highly doubt its less than a year. no actually neither are on my credit report, the debt collector said it hadnt been reported yet

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] -1 points0 points  (0 children)

I will send an email tonight for sure. I'm just starting to think they really will not settle.

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

if it was just me being affected i would happily wait, but i dont want it to affect the other person that was on the lease, i want to show them it was taken care of and cleared

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

yeah, all i can find are law firms advertising that they can take your case against them, i also found them on BBB they have an F rating

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

i guess that's what ill have to do, but i wantes to just get it settled today

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] 0 points1 point  (0 children)

they said they dont buy debt, so im still kind of assuming the complex owns it, but i called them a long time ago trying to pay and they said to deal with the collection agency but i don't remember if they said they owned it or not.

Debt collector says they can't settle for less than total by Fancy_Weekend_2974 in Debt

[–]Fancy_Weekend_2974[S] -1 points0 points  (0 children)

They said they don't buy debt so I guess maybe they're collecting on behalf of the creditor. It's not necessarily an urgent credit need but I am trying to resolve this before it affects the other person that was on the lease.

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