GUYS!! YOU DON'T HAVE TO PAY ANY OF THESE FRAUDULENT DEBTS! Please go to getoutofdebtfree {dot} org

You're welcome
PEACE!

that's cool I filled out the application and used the name Jackson Kristen,
It then says:

Thank you

Thank you for applying.

We've received your application and may be contacting you shortly.

Thank you.

You should see your $1000 in beverly hills 90210.
I wonder what your interest is going to be on that.

Your online application does not appear to be secure, and you want my bank and social insurance number ? Run now. Their coming to get you.

Go pick up your $1000 first. Only a bank could away with this.

Looks like more spammers are out and about... That said, Hey MONTEY, how about killing their accounts!!

Have the cops got you yet?

Hey Guys,

I have also been looking for a company which can help me about the credit card score issue.
Just glad I found Credit repair.

They've been very helpful and met my needs.

You check them here: http://dxcreditrepair.membersnap.com/

[3:44:01 PM] Jaron Cortez 123 Employee: http://consumers.creditnet.com/Discussions/newreply

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Part of the reason why it is so low is from delinquent payments about 5 years ago. I paid it all off about 4 years ago and just didnt feel comfortable applying for any credit. Since then, in the past 8 months we have gotten comfortable with our finances and decided to start repairing our credit. Our income has been stable for about 3 years and made it easier to qualify for loans and credit cards but those accounts are very new so I'm guessing they haven't made much of an impact on our credit profile yet.

Not enough information to conclude why your credit score is so low, unless there's still some negative stuff on there. But yes, if you pay everything off for the next 2 years, it should be in the mid to upper 700's by then, assuming all the negative stuff is gone. Note that it takes up to 2 years of diligent payments on an account before its contribution is fully realized on a credit score, and your utilization rate is below 30%.