Credit One GW Success
This was one of the first GW attempts I made, but it seems to have worked. Had a C/O from them from 2014. Got a jump in scores and went to check out why, seems they removed the entire TL!
View ArticleOne month 50-pt drop = wake up call
Hi guys and gals. First time caller, here. I just had a wake-up call while poking around on the Citibank site and saw this: http://i.imgur.com/bxGQwM7.png. No es bueno. I pulled my Equifax report...
View ArticleCredit one Good Will Success and rebuild!
Hey guys, I had one 30 day late on my Credit one account. Early into credit rebuilding due to being young and stupid. I wrote Credit One on 4/27 and got an email back a few days later from an assitant...
View ArticleMy Rebuild Results
I started my rebuild in September 2015 with 0 credit cards and multiple negatives, from collections to charge offs. Starting scores were TU 549 EQ 570 and EX 569 when I pulled them for the 1st time...
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Is this closed collection reporting correcty?
I have been trying to figure out if this account is being reported correctly and whether or not I should pay it? The DOFD is in April of 2014 I believe, so it is just about 2 years old. They do not...
View ArticleEOS deleted from both reports
Disputed EOS old phone bill as not the correct balance and TU deleted in 2 days. Ex has been 20 days and EOS updated on my exp report a few days ago so I thought bummer! But today I get the results...
View ArticleProgress on rebuilding after ID theft - and a question.
I gave a background on my journey here - http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-After-Identity-Theft/ In January of this year I had credit scores in the mid-400s. No credit...
View ArticleI listed both names on my dispute with a CRA. Did I do this wrong?
I did an online dispute for two items on my credit report with Experian. One item was listed as (company name) on some reports and (collection agency name) on others. In my dispute letter I listed both...
View ArticleDiving in !!!!
I have been dealing with credit problems for year. I have finally started doing something about it . Last summer, I paid off a cople of charge offs and been on top of my bills. I have disputed and TU...
View ArticleShould I finance a car to rebuild my credit or buy one with cash?
I just found out my current car that has 200k miles on it now needs $3-4k worth of work done to it. I can't decide whether to fix it, finance a car or to buy one with cash. I have $13k in savings due...
View ArticleRecovering from 2 repo's
Both my husband and I have repo's in our past. Mine was mid 2011 and his was late 2011. Both were reported far later though like in the past few years activity was reported. both were also paid off...
View ArticleCapital One e-mailed saying I will get $500 CLI in November 2016....
....if I make next 5 on time payments that I would get $3,500 CL (from $3,000 currently). Wondering if $500 is firm or subject to change with the CLI amount? just curious. I know I could ask for CLI...
View ArticleDisptued PRA and Midlany with Equifax once again!
Wish me luck! I just disputed once again that the collections on my husbands reports are showing under closed accounts, instead of collections! UGH! I'm so tired of this fight! I have my fingers...
View ArticleMerrick Bank
I received an offer that said I was pre-approved. $700 now and $700 in 7 months when paid on time. I need to thicken my file some. I have 3 Cap1's and a Preditor1 that is SD'd. Does Merrick do a hard...
View ArticleRebuilding credit and getting approved
Hello All-This is my first post. Looking for friendly advice as to applying for new credit. Here's my story2 years ago I had several collections. I didn't know much about credit and the negative effect...
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Finally :)
Just a small achievement After trying for a while, I finally got my Capital One increases QS: $300 --> $800QS1: $500 --> $1500 My credit steps increases are due in June and July. I logged on...
View ArticleMidland Question
I have three "small" collections with midland. I know midland won't PFD so I'm not going to waste my time. These are UNPAID at the moment. I believe from reading around here that paid is more...
View ArticleAre my former mortgage loans reporting wrong?
I only have one house in recent credit history. We made a lot of mistakes and are rebuilding. Our mortgage loan has been sold a few times. It has been current and paid on time for over a year now,...
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