I have contacted all my creditors listed on my 3 credit reports and settled my long past due accounts with all but 1 and will work on this 1 this month. Here's the deal - I am longing to be a home owner and my score is poor (535). I have made mistakes in my 40+ years and now ready to do right. I need to know how long will it take for my credit report to reflect my payoffs (I made the payments in February). I have sign up with My FICO and nothing has changed todate. I would also like to know if I can get my daughter to write a letter indicating she is paying the car note on the account that holds her as a co-signer (the child could not get a car in her name and I let my guard down and signed for the car) by the way I notice she paid the car so far in one year late 3-4 times.:rolleyes: Any feedback you can give me about when my credit report will reflect my payments would be a sign of relief for me.
Thanks,
clohman