New to Rebuilding! Suggestions!
I am trying to rebuild my credit after a little mishap back in 2014. My scores are EX 550, EQ 572 and TU 568. I have 8 credit cards that have gone to collections. Currently, I am disputing 2 of them...
View ArticleOther wonky Transunion issues?
So we've all heard about TU removing, and then of course returning, inquiries on your TU report. Today, however, I've encountered another head scratcher. In my usual daily check of the credit...
View Article6 Month Progress Report
Starting Point: Jan 2016EQ 599TU 576EX 580Actions:AT & T Collections - $120 -DELETEDVerizon FIOS collections - $880 - DELETEDVerizon FIOS collections - $475 - DELETEDFederated collections (utility...
View ArticleFree Experian Credit Report
maybe it's already posted but I didn't see. Experian is offering free credit report, no credit card required. Update every 30 days. UPDATE: 6/22/16Here is the link. I was browsing through the actual...
View ArticleFINALLY things are going UP UP UP!
I cannot contain my excitement right now. I had only one collection on my report in April, and I paid it in full (medical collection) in exchange for removal.After some issues with the collection...
View ArticleWas i called by a scammer?
Long time no see family!!!! I received a call from some "American Recovery Solutions" or ARS from a local area code saying that i pulled a payday loan out in 2011 (Just after i had moved 850 miles). I...
View ArticleGoodwill success - Benefical / HSBC Bank
Had a few lates removed with a goodwill letter. I was unsure if it would work as I only had a fax #, but 15 days later I received a letter in the mail from them saying they would update the CA and...
View ArticleRebuilding Credit
My credit has gone down. I have been denied by a few cards. So I checked credit karma and got my scores. My student loans are in forbearance Who can I start with to establish credit I have no...
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Haunted from the past
So long story short I opened one of my very first credit card at 18 and it was Saluate Visa card. My ignorance of not taking care of my credit went 6 feet under the ground and I never paid it. Two...
View ArticleNew Rebuilder here
A little background: Haven't had a credit card since 1997(defaulted), had a car loan from 2008-2012(paid off), currently have 16 line items from DoE for student loans after dropping out of school. They...
View ArticleDebt might be forgiven???
My fiancee is 100 percent disabled with the VA. She has a car repossessed in 2014 from ABNB. Well now the debt was assigned to an attorney's office 3 months ago, and we got a letter stating that we...
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Cap1 early increase creditsteps
I just got my first CLI with Cap1, got this card in April and I decided to hit for some love And I was approved to go from 300 to 800CL. I am so happy
View ArticleOld collection for utility bill
Ok. I need some advice here. I have a collection for an old electric bill. Apparently my parents put something in my name awhile ago and didn't pay it. Looks to have been sent to collections in 2013...
View ArticleDisputing reasons
I was looking thru the list of disputing reasons from the e-oscar system. One of the reasons are "account is in litigation". If the account is in litigation/suit, does the tradeline/account get...
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Tackling collection, AU on ex-hubs unpaid cards, 2010 and possible refi auto
Again, so happy to have found this forum, with the wealth of info and support. My introductory post is under Lola17, which outlines how/when I allowed myself to get into this mess. Currently, I have 3...
View ArticleMy Progress!
In October of 2014 I had a score of 590. I was not worried about it before that as I never needed to buy anything. Well I knew that eventually I would want to buy a house. So i made it my Mission to...
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