Credit counseling and past late payments paid off.

I have two credit cards that i went through credit counseling, and even though i paid every month, I paid lower monthly amounts that my credit counseling told me to pay but they didn't finalize the agreement with my credit card companies yet. I didn't catch this right away and now I have late charges on my account for not paying enough. I have been on time for the last three years and know they are paid off, but I still have negative reporting. Also, i was late on my student loan, but know paid in full three years ago. Is there anything I can do to get the negative off my report. Two years ago I was at 520 now I am at 670 but I can't get any better. I have three credit cards with little balance and higher credit limits. I haven't missed a payment in over three years, but two years ago I paid of two collections, and I didn't negotiate with them before i paid them off. If you could help I would really appreciate it
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you can dispute those old accounts and hope
but more than likely you have done all you can for now other than wait

oh
a 670 fico score is pretty good

Remove a credit inquiriy. Bankruptcy or Credit Counseling

is there any way I can get a Credit Inquiry that I did not authorize, removed from my credit report? The on-line dispute won’t allow me to dispute it and the phone for Experian (your right!) is useless… See following events:
I’ve been working on consolidating my credit cards and I applied with my bank, Wells Fargo. I had specified very clearly that I want a Dept Consolidation loan. They pulled my report, said they could not give me a consolidation loan based on my dept-to-income ratio, but did want to “sell me” a small additional credit line instead.
Then they (a person on the phone at my branch) said I should call their (Wells Fargo) financial department to see if they could help. I assumed that this was a division of WF. I was given the phone number to call. I talk to a person there and was told that they could review my credit report and see what they could do. They did Not ask me if they could pull another report, so I assumed that they had the same data base as my bank’s branch.
After reviewing my info and calling me back, they also told me they could not do a consolidation loan and they also want to “sell me” a small credit card (not problem with that!). I stated for the third time that I was Only want the consolidation loan and said I didn’t want an additional account.
I use “Credit Expert” for 3-in-1 reports. I review my reports often. I decide to pull a report and saw that I had 2 credit inquires for the incidences listed above!!!
One from Wells Fargo Bank
One from Well Fargo Finance
Both on the same day! I called Wells Fargo Finance (second place I talked to) and told they I did not give permission to put my report and that I was not told they would. And I assumed that they could review the info pulled from the bank. They said they always pull a report and that they are not a division of the Wells Fargo bank!!!. They actually called me 3 more times trying to influence me to get the additional card! It sounded like the same card as my branch. This was after I was mad about their actions.
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they cannot review your credit without putting on inquiry on it
inquiries are frivolous pursuit for better credit.
let that go
pay down debt

what they did is sort of a normal chain of events
with local and done businesss with them before accounts

you ask them to review your credit
they pull an old app
inquire
then call you back with what they think they can do

ive done it hundreds of times here in
Tullahoma tn with customers who want to know what they can do with out going in
if you don't walk in
how do you think they are goind to review your credit
unless they pull a report with info from the past.

let it go

sounds to me like you could look for a credit and budget counselor
not another loan
try that. i think it will help you the most
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Thanks for your help. I am already set to see a counselor.
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thats the best bet
ask them everything you have asked me

sorry about the inquiries and i can see why you are angry
it just doesn't seem right i know

in the end inquiries do not really hurt score

your debt to income ration has to stay below 45%
if you are pushing that and it sounds like you are

a counselor will be of some help
remember they are salemen too

to listen and go home and think
talk to your firend

do not do anything right then
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Should I file bankruptcy or use credit counseling

Hi my name is Tanecka I would like to know If going through a Credit Counseling Service looks bad on credit I was told that If I did that and tried to get a Loan etc... that I would be denied I am trying to buy a House with in 2 years, I was told that I should file bankruptcy but I just don't think that I should. Please can you give me advice on this.
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on filing a bk
consult a friend
a cpa or budget counselor at your local bank
someone you know who filed a bk but has ome out of it


credit counseling will show up for 7 years after you make you last payment
what if it takes you 2 years to pay it off
then for 9 years it will show couseling

both a bk and counseling look bad on ones report.
bk's are usually considerd less a of potantial risk as one cannot file but once every 7 years
so re establish credit quickly or try to leave a couple active reported to a bureau accounts open if possible
same with counseling. Leavs on or two ouf of counseling and pay them religously