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Where to next!?
Hello everyone! I wanted to give a quick thanks to all who post their stories and experiences on this forum! I have been utilizing this for a couple years now, and am very grateful for all of the input...
View ArticleQuestion about a collection account.
I have one collection that is reporting on all three of my credit reports. I would like to raise my credit score since I am in need of a new car very soon. I know that not having that collection on...
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Rebuilding...I think it's going well?
Long time lurker, just felt like sharing. My credit took a really bad hit while I was married and subsequently divorced, my ex maxed my cards and didn't help pay, I also had other baddies. I hid my...
View ArticleHow long to Garden?
Ok so love this place, great advice and I read so much on here daily. So I want everyone's thoughts. So I have a Capital One Quick Silver $800CL, a Capital One Platinum $500, a JCREW store card $250...
View ArticleHow can I get score up for mortgage refinance?
First time posting 😃My Credit Karma scores are 619 TU & 614 EX.Applied Bank 3/05 2049/2750 (on TU only)Mortgage 5/10 119142/132000Capital One 2/04 779/1650Capital One 7/15 Closed/PaidCB/Meijer...
View ArticleHelp me REBUILD!!
I've had a rough few years bit am not stable enough with my job to be able to get my rebuilding underway. My Fico 8 with TU is 538 as of a couple weeks ago.Here's what I have:Open accountsFedloan...
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One Reason for Rebuild Accomplished
The main reasons my husband and I started to rebuild in Jan was that we wanted to reduce our car loan interest rate (2014 Town & Country at 9.9%) and to buy a house. We have decided to wait until...
View ArticleClearing Credit Records
Ok, I am reading all these "send this letter in and clear all your bad debts" so I have a few questions about it 1. Are they really as successful as the advertise, I mean essentially it relies on the...
View ArticleOpening Cards and Credit Score Impact - HELP!
Well, I got my scores up to 756 TU, 711 EQ (student loans have not reported to EQ in 4 months... wierd) and 625 EX. I am hoping Experian will be over 700 tomorrow with my last baddie going away. After...
View ArticleScores are stuck- can they improve?
I know that everyone's credit situations are different, but am I doomed until collections fall off? I have been rebuilding credit for the past 18 months and have done pretty well, but noticed that my...
View ArticleBalance and Open Status Differences between reports
I just am at the start of beginning to rebuild my credit. My first step, I pulled my online free credit reports only for Transunion and Equifax. For some reason Experian would not go through. On them...
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Chexsystems Removal
the bank verifies that you did fail to bring your account to a positive standing or that there’s still money owed, there is still one final option that may enable you to get out of ChexSystems for...
View ArticleFirst premier dofd
HelloI have a charge off from first premier. The dofd is a 30 day on Oct, 2009. When can I start asking the credit bureaus for possible removal? Thank you in advance. I love these forms. My credit...
View ArticleNeed advice from a Underwriter's presepctive?
I owe a credit union $400.00 from November of 2015. I got a cash advance from them, and I lost the job I was working at that time, and the job just screwed up everything and they didn't pay me my last...
View ArticleTrying to repair credit and clueless, please help!
my fiance and I are trying to fix his credit so that we are able to get a home loan. He is a veteran and is able to qualify for the VA guarantee of up to 36k(with approved credit). His credit is...
View ArticleRemoving paid as agreed accounts with short age? Good or bad
So some of us have have had those cards that we open and sometimes immedialtely close. In my case it was Merrick Bank, open for about a week, before I was sickened at the terms of the card. First...
View ArticleFPB C/O
So long story short I have 2 charge offs from a misguided attempt to rebuild my credit with not much info.So I have an opportunity to settle the debt and move it from charge off which keeps reporting...
View ArticleHELP! Is there more than 1 trial site for Transunion?
I had an alert on my phone calendar to cancel transunion's trial today, PROBLEM is I can't remember what site I signed up on! I don't have anything in my notes, nothing just an alert saying to cancel...
View ArticleCA call back - ACCOUNT DELETED with one email!
I emailed the collection agency that I paid a few weeks back requesting a GW delete. This morning they caked back, and left a message asking for me to return the call. The number they gave me was a...
View Article$765.00 Collection went to $167,695.00 - This can't be legal!
There is an old collection that is now being representated by a new "LAW FIRM" I use this term VERY LOOSELY. This collection was originally from an old apartment complex company I moved out of 3/4...
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