# Credit Repair 101 **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [April 2, 2007, 8:00pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976 "2007-04-02T20:00:25Z")\ **Posts on this page:** 4\ **Page:** 7
**Author:** ![tpgsr](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tpgsr/32/7374_2.png) [@tpgsr](https://forums.speedlife.net/u/tpgsr)\ **Post date:** [July 24, 2010, 7:44pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976/121 "2010-07-24T19:44:28Z")
NO, do not call them. Read all about this on [creditboards.com](http://creditboards.com) I had a SHITTY credit score, it has gone up by 100 pts, and is slated to go up by another 50 once i kill off one more bad mark. this will give me a great score. right now I would have trouble getting a good rate on a mortgage, in 45 days I will have no issues since I know that they can not provide what they need to meet the fair credit reporting acts. You may have some issues with the types of marks you have, but make sure that you avoid disputing over the internet and write letters mailed certified so you have date confirmations. good luck, and if you need help withe letters or what to do feel free to PM me. ---
**Author:** ![JustinH](https://avatars.discourse-cdn.com/v4/letter/j/9fc29f/32.png) [@JustinH](https://forums.speedlife.net/u/JustinH)\ **Post date:** [July 24, 2010, 10:25pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976/122 "2010-07-24T22:25:54Z")
Thanks for the free backdoor links. I have 18 accounts in good standing, no late payments ever, $0 in credit card debt and not one bad mark… I’m too cheap to pay the 7.95 for the actual score, but it looks good. As for the girl looking to upgrade to an STI, I would tell her not to. I’m the uncool guy who drives a paid off saturn ion bitchmobile, has a house, and is paying off student loans in FULL within 5 years. 20k left in student loans, and 40k left on the house. I’m 28 years old. Please get your priorities straight… I suggest you subscribe to the Dave Ramsey podcast. He is a little bit of a religious nutball sometimes, but most of his methods of getting out of debt really work. ---
**Author:** ![Fortytoo](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fortytoo/32/5385_2.png) [@Fortytoo](https://forums.speedlife.net/u/Fortytoo)\ **Post date:** [July 25, 2010, 1:02am UTC](https://forums.speedlife.net/t/credit-repair-101/26976/123 "2010-07-25T01:02:40Z")
Eh, to update, kept the Equinox, Myself and the boyfriend did a bunch of those medical studies through the [www.bcrc.us](http://www.bcrc.us) and ended up getting the STi after all, paid for it in cash, and actually the insurance on it is cheap, we pay for full coverage for both vehicles and it’s about 180 a month. Clean driving records for us both. ---
**Author:** ![dreid](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/dreid/32/7388_2.png) [@dreid](https://forums.speedlife.net/u/dreid)\ **Post date:** [August 17, 2010, 12:35pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976/124 "2010-08-17T12:35:25Z")
> [@dreid](#): > > Bump!! > > Adam or anyone else. > > I have some questions about removing bad remarks(paid in full or paid settlement amounts in full) that are over 3 years old. these old remarks are killing my score. do I have to call and beg the lenders and or collection agencies to remove these remarks? anyone have any answers. I see Adams been MIA for a while on here > [@tpgsr](#): > > NO, do not call them. Read all about this on [creditboards.com](http://creditboards.com) I had a SHITTY credit score, it has gone up by 100 pts, and is slated to go up by another 50 once i kill off one more bad mark. this will give me a great score. right now I would have trouble getting a good rate on a mortgage, in 45 days I will have no issues since I know that they can not provide what they need to meet the fair credit reporting acts. You may have some issues with the types of marks you have, but make sure that you avoid disputing over the internet and write letters mailed certified so you have date confirmations. good luck, and if you need help withe letters or what to do feel free to PM me. PM sent a couple weeks ago im trying my luck with TU first. I am waiting my results. if some of them come back as valid, whats my next steps as far as getting the bad remarks removed? they have estimated drop off dates of next year but Im not looking to wait that long. aftert TU is done, I will move on to the other 2 [Previous page](https://forums.speedlife.net/t/credit-repair-101/26976.md?page=6)