So frustrated!
I've made a lot of progress over the past several months in rebuilding my credit, but all of it seems futile when lenders decide to use their own scoring system or use something other than FICO. Just...
View ArticleGW or PFD for unpaid bank loan
I'm in the process of trying to clean up my credit in hopes of buying a home in the next 2 years. My old credit cards will fall off this summer and then there's 2 broken leases, but I have one unpaid...
View ArticleClosed Collections??? PRA/Midland/Calvary and ERC!
Ok so I took the advice of going to Credit Check Total, hubhy's scores are higher than credi.com and credit karma! Experian score 554 TransUnion 556 EQ 546 Looking at his reports I am seeing his...
View ArticleRebuilding: I have two secured bank cards and an auto loan. Add Fingerhut?
I posted this in my thread but I'm not sure it'll be seen. As noted in the title, I have two secured bank cards (Cap1 and Disc) and an auto loan from January that is reporting on time. Should I add...
View ArticleHow are things supposed to update on once paid?
Verizon is my only baddie on experian. And I can't get them to delete it at all. I don't even understand how they got the balance because I had moved. But they were still billing me for months I wasn't...
View ArticleCant access credit file
My son in law has no credit. I have gotten him a job and he wants to work on his credit but everytime we try to run his credit on creditcheck total or credit karma we are not able to? He said at one...
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1 pt causing Confusion
Two days ago, my TU score went up a WHOLE BIG 1 point when I paid my fingerhut balance. To be honest, I felt discouraged as I look forward to updates & only saw that it rose 1 point across TU ....
View ArticleHow do I get CRA to remove Un-Paid CLOSED Colections?
In a previous post, I stated that PRA, Midland and ERC are all reporting CLOSED status on EX and EQ. It's an unpaid debt! What do I need to do to get the CRA's to remove them?? All 3 are on my...
View Article1099-C paid but balance remains
I received a 1099-C for tax year 2014 with the event code 'H'. I've paid the taxes on it but the OC is still reporting reporting a balance and this has the utilization for this particular account at...
View ArticleSpecific Credit Score Help
Hello, obviously I have some blemishes on my credit score, however, I have paid everything last item off. I started with a massive Sallie Mae student loan. I actually settled for less than I owed but...
View ArticleNeed help with past loan
I had a student loan debt with ACS/US BANK that was transferred to the federal gov't(Nelnet). I am currently in good standing with Nelnet but had defaulted on the student loan with ACS/US BANK. I...
View ArticleLight at the end of the tunnel
I just wanted to say how much I appreciate all the people on this board. To those of us that are trying to repair damage that we did and get a fresh start it is such a huge help to us that we have...
View Article700 Club in 13 months thanks to this forum!
I started my rebuilding in February of 2015, roughly 13 months ago, with a secured card from US Bank with a $500 deposit. A few months later, I joined MyFico and discovered this gem of a forum....
View Articlecap one prequalify
ok so I got my cap 1 rebuilder card and have made 2 payment. just for curiousity sake I went to cap one prequalify again. It says "we could not match your records to anything"! Does this mean I dont...
View ArticleWanting to become a first time homeowner!
Looking for any tips or suggestions on making this dream of home ownership become a reality! Quick overview of my credit profile:Current scores: all from myficoEq/599Tu/616Ex/612I am just now...
View ArticleNew and need help
Okay so I am FINALLY getting in gear to fix my credit. There are a handful of problems I've seen. I pay for Experian FICO and can pull my report whenever. Well I've noticed its reporting 18 accounts...
View ArticleCavalry Portfolio + BBB = Delete
Finally got Cavalry to go away with a BBB complaint. I've disputed several times with the CRA's over the last 2 years and sent 2 DV letters and even tried a PFD and NOT once did Cavalry ever respond...
View ArticleSuggestion for moving forward.
I started my journey about 14 months ago. I currently have Fico 8 scores of Trans, 772, EXP. 741 and my bad EQ. 590 as of today.. Have a bunch of baddies coming off EQ soon. I have 3 inquiries on...
View ArticleCapital One- PIF or Settle
Hello. From what I read Capital One does not PFD, does it "matter" if an account is settled for PIF when trying to reestablish credit with them?
View ArticleVery slow, but don't give up!!
I just wanted to post on my status, in hopes this will help those who feel that there is no hope. Like some people I am paying the price for years of neglecting my credit. My scores were at one time...
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