Paid judgments and collections are more serious than past slow pays, but you will deal with them with the same steps.
First, bookmark this page (press CTRL-D) and then go get a copy of your credit report and look for any incorrect information. Specifically, you need to make sure that anything you paid off shows as paid. You'll also want to make certain that your past creditor doesn't misrepresent how many times you were late, dates of late payments, etc. And, of course, look for any errors on other accounts and any signs of accounts that are not yours while you are at it. To get a copy of your credit report go to
QSpace ---
You may want to start with the "online report", but to be certain of what is out there you will need the "3 in 1" "merged" report. There are three major national credit bureaus and they don't always report the same information. Get the report and dispute any incorrect information. You can do this by following the instructions that come with the credit report or, if you need help try either of these --- Consumer Credit Repair - The recognized authority for self-help credit repair
Or
Your next step after making sure there are no errors (and that includes such things as showing late pays later than they were, more recent than they were or showing more late pays than occurred, showing an outstanding balance on paid items, etc.) should be to apply for a home loan -- you can do that online here. Return to Main Page.
