December 29, 2007

Credit Score En Passant

Definition of En Passant on the Broken Credit Blog: When a collection agency moves two squares forward from its starting position, an opposing consumer located immediately to its right or left may capture a pay for delete by moving one square diagonally forward, to the square directly behind it.This site is great with all the information but maybe I have one to stump the experts with. 

I have disputed all that I think I can in my credit reports but my score is still around a 580.

Here is what is still on my credit report and I assume there is no way to improve them but with time?:

1. Foreclosure on real estate in 2003.

2. 4 items in collection (but almost paid off)

3. High balances on credit accounts (can’t pay down just now)

I would like to get a home equity loan to consolidate these items but with the 580 I know I won’t get one.

Any suggestions?

Sara

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Hi Sara,

1) If It’s Complete and Accurate, Then It Stays

2) Oh Susannah, oh don’t you pay for me

3) Credit Cards And Credit Scores

Thanks for the questions and hope this helps.

Paul

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