Collection, Charge Off, and Late Payment Removal Help
Hello, I've spent a decent amount of time reading around the forums and getting an idea for the credit rebuilding process. However I have a few questions about my circumstances and how best to proceed....
View ArticleQuestions about how stores work and Kohls approvals in particular
I've never had a store card in my entire life and today I used the SCT to get approved for $2,500 each on Wayfair and Pottery Barn! I'm super excited. I would like to add a third store card, and Kohl's...
View ArticleHard Pull Delete Letter
This summer my wife purchased a vehicle. I don't know what I was thinking, but the salesman asked me to apply as well. He made it seem like it wouldn't be a hard pull, but it was. I know better now. I...
View ArticleJust App'd for Local CU Help!
myFICO® Forums(0)ForumsUp0 RepliesNew TopicRebuilding - Just App'd for local CU Help!Matt4200 Matt4200 Regular Contributor6:19 PMSo I'm in the process of rebuilding and need (it would help a lot) to...
View ArticleCan I DV the same CA for two acts?
I am helping someone start their journey to repairing their credit. He has two collections on his report, but both are from the same CA (Central Service Bureau). Is there anything wrong if I send one...
View ArticlePinnacle says updates to Paid in Full but I didn't pay!
I'm finishing up a round of early exclusion requests for two collection accounts. I have a collection from Pinnacle Credit that I requested EE for. A week after the request (online) they sent me a...
View ArticleConfused.... Do I have a leg to stand on?
Hello all this is my 1st time posting but Ive been folowing the advice form everyone for sometime now. I need some help. On my credit report from myFico there is an old First Premier Bank account...
View ArticleSeeking to reopen old store cards, requesting advice
I've been reading on MyFICO and basically some say you can and some say you can't reopen old accounts. I had Sears, Mervyns, and Wards cards some 20 years ago, and behaved irresponsibly, resulting in...
View ArticlePay Day Loan 6-7 years old
I took out a payday loan close to 7 years ago. It appeared on my credit in May. I have not received a Dunning letter but I believe Midland/MCM is calling me. There's a code listed on my credit report -...
View ArticleAmex Authorized User account ***NEW INFO***
So I was just speaking to AMEX about my AU account I have, my wife is the primary... I asked about removal and they said no problem, they will close MY card and report on the CRAs "Account closed $0...
View ArticleNeed advice on Rebuilding!
I've been reading around these forums and it's really inspiring to see and read everyone's success stories! It definitely makes me feel less alone and less like my credit is scarred forever! I don’t...
View ArticleTU just went up 102 pts
So, it's been a long process to get the state of California franchise tax board to file a "filled in error" on an erroneously filed tax lien but today it was removed from my TU report and my fico 8...
View ArticleDoes a Utility CO ruin scores and credit
So i gave this utility CO from SCE in the amount of $890. This was on my property that my cousin was renting and had reopened an account in my name after i had him change the accounts to his name. Long...
View ArticleExperience with Cap1 deletion?
Cap1 recently agreed to do a GW delete on a tradeline (a CC that had some negatives from years ago), within 30-60 days from now. I noticed yesterday (about 5 days after I got confirmation from Cap1)...
View ArticleLots of Questions
Last time I posted in here my posts were super positive about the success my husband and I had with creating positive credit profiles in the hopes of purchasing a home. Things were going really...
View ArticleDerogatories Impact on Credit Scores
I am rebuilding my credit after my husband suddenly passed away September 2014. I have eleven derogatories that all have been paid in full. The death is the catalyst that put credit card accounts and...
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Need advice! Reached 700! Should I CC app spree?
Hey All! Last month, all of my scores were very poor. Mid 400 and 500s across the board. Over the past 6 weeks, I have sent out disputes via SkyBlue and have watched several collections drop off my...
View ArticleRebuilding credit advice needed desperately
Hi this is my first ever posted his board although I've been reading through the board for about a year and found some really really helpful information on here. So I'm coming here to ask for some...
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New Derogetory account - should I send PTD letter?
After 4 long years of busting my butt to get my credit back to good shape (last "baddie" to fall off in November), I have now just had a derogetory placed on there for an electric bill I didn't even...
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