I ran a stop sign, kind of. It was a newly added stop sign on my old neighborhood street. On my way to work, in January, the sun would rise in a direction that completely blinded me on this road. I knew the stop signs were new but stopped way too early but knew it was around that location. When I started going again, the officer was parked on the cross street of the stop sign and didn\’t see me stop (before the stop sign line) and just thought I ran it. I didn\’t want to be late for work so I didn\’t want to try and explain and waste anyone\’s time. Shortly after this incident I moved from San Marcos to Encinitas and didn\’t received my court date paperwork until after the fact (I don\’t own a key to my new mailbox, my roommate does and she had it in her unread mail stack until recently). I was holding on to my ticket but misplaced that during the move as well. Needless to say, the court appearance fell off my radar and received the failure to appear in court notice from the DMV and my license is now suspended. Is there any hope to get this off my record?
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I was sent to collections back in 2010 for a small debt ($70) for a utility bill I never paid. This actually came to my attention only several years later (2015) since nobody had contacted me about the collection. I decided not to initiate the contact myself and let it “expire” and the situation with other negatives really dealt with my score (below 500 on all 3 bureaus). I needed a business loan and I was denied so I ran to a credit specialist for help. Seven (7) days later he wiped all negatives, raised my score above 750 on all 3 bureaus and I was approved of the loan thereafter. Here is his contact details : C Y B E R D O N @ C L E R K . C O M , OR +1 802-444-1918. He’s the best I have seen.