My credit score went up

@yukimori right. My thought is that because I have that balance now - using up a higher percentage of my available credit - versus when I didnt have the debt - probably makes a difference :-(

The amount of the balance doesn't matter. It's how much of the available credit on that account you're using as well as whether you're paying on time.

@maezee Every payment you make lowers that as long as you're not using the card for more purchases, so it's probably going up a little at a time if you're working to pay it off. At least that's how it seems to go for me.

Yeah Me too. I am happy

@carebear29 It's certainly understandable. I hope it continues to get better.

@dodo19 Me, too. If sales start rolling in and I get caught up in bills I'll start paying more stuff off

@yukimori I'll just deal with it. They will come off eventually.

Lol. Might be good though

If you weren't married at the time you can dispute that account. I don't know if there's anything they will do if you were married. You can probably dispute it regardless. At that point it's on the agency to validate the debt and prove it's yours, and in a lot of cases they just won't do it and the debt is removed from the credit report. Apparently some times all the collection agencies get from primary creditors is a list of names and amounts, so they don't have the evidence they need to validate the debt.

Yes I am also taking extra money I make and putting it towards my Walmart credit card

@yukimori Yep, thanks

@carebear29 That's the way to do it.

Right thanks

Yes it is actually. That was the first thing I said when I seen my score yesterday

Wow that is good.