I am in a dispute w/orthodontist who refused to finish the work & was pd 5000 but still wants more $

ritasnewplace
Contributions:2

He decided that my son's teeth weren't clean enough and refused to do anymore work. This was 3 yrs ago. He still insists on the last $3000 if I want the braces that he left on 3 yrs ago and won't take off. I don't feel he should get the rest since the work was never finished. He even refused to accept $50 a month even though he knows I still on disability and I can't pay more than that. I know being on disability also caused me to be late a few times on bills. I also just found out that a bill from a county ER sent my bill to collections even though it was supposed to have been covered by the $200 I was paying the county for my son's mental health needs. So how can I improve my FICO with this on my record. Also my spouse & I split up 10yrs ago & he filed bankruptcy 4-5 yrs ago which caused me to file (some of his debts were showing up on my credit). He has been living in another state for over 10yrs. I do pay my rent every month and it is over $1000/mo. Do loan agencies take any of this into consideration?

Flag content

March 31 2010 - Los Angeles

E-mail Share RSS

Answers (6)

wetdawgs
Contributions:26830

How to improve your FICO score:

Settle all debts.
Pay all obligations on time every time.
Challenge debts of your ex-husband that aren't legally yours.
Do the first two for several years, and your FICO will go up step by step.

Meanwhile, that will give you time to build up an excellent down payment for the home of your dreams.

FICO score shows a history of responsible (or not) use of credit over the years. IT takes time with responsible, consistent use of credit to rebuild it.

Good luck

Flag content

April 01 2010

Martin Wareing, "Martin Wareing"
- 5.0/5.0
- (2 reviews)
Contributions:3772

Rita,
Lenders take that into onsideration; however, being very honest, take a step back and read your post. You have many diffferent "I didn't pay but" scenarios. Lenders look at that as a "pattern" and then simply do not believe that 1 person has this type of bad luck and even if they do.. as a creditor as well, perhaps you will not pay them because.... Some people use the legal system (like your creidtors did) to settle disputes... My suggestion: pay these people and SUE them for your damages.. Trying to persuade a lender you are really a straight and pearly white credit risk when you are in the middle of embattled othodontic collection is difficult. Your scores will rise and you might even get your money back if you are legally right. Good luck... Forget buying unless you desire paying 10X the braces amount in hgher fees and rates as a result of a poor score. Good luck.