My newly embarked upon journey to rebuild my credit.

Dec 142010
 

Pulled scores on December 07, 2010. TU fico was 606, EQ fico was 602, Ex fako was 566.

So far I have applied for a Capital One secured card, I was approved and the card is in the mail. Also I disputed an NCO CA that was only showing on the Experian report, it was deleted withing two days. I also initiated online diputes with TXU. Today I sent out four Direct Dispute/DV combo letters via certified mail with return receipt. I’ll update any results I recieve, good or bad, and hopefull so improvements in my scores aswell. Thanks for all the information that I’ve been given up to this point and all your help in the future.

Roth IRA choice?

Jul 242010
 

I am with Fidelity and was thinking about buying their Freedom Fund 2010 for my new Roth Ira. Good or Bad idea? Any other suggestions?

I get a call from radioshack/citibank telling me thatthey are just going to delete the TL

Mar 122010
 

:smileyindifferent: Im unsure if this is a good or bad thing. I had two lates one from nov08 and dec08 i had sent off a GW asking they be deleted and today I get the call. It was a card thats been closed for a few years but was opened in 2006 with a 0 balance…. my oldest line of credit is 2001. Is this going t o hurt? Thanks toe veryone on this site, i really appreciate your help :)

removing 10 year old accounts

Mar 042010
 

i have three 10 year old items showing on my credit, not reported bad or late. just there. i don’t know whether to remove them or not and who do i contact the creditor or the agencies. i don’t know if they are doing me good or bad at this point. they are loans from american general that i had in 2000. i know one of them was included in my BK in 2000 but does list as a negative.

 

and thanks for all the advice i have received so far, can’t wait to finish this thing up and start contributing to the forum. I mailed a few GW letters today for some paid small co-pay things that were listed on my report. Hoping for a deletion since they were so small. 34 dollars and 45 dollars. little things like that really stick it to you.

 

Thanks again

 

Lost Points

Feb 042010
 

I have the Eufora rebuild card. It finally posted today to Experian and I lost seven (7) points. Will I get more hits when it reports to TU and EQ? Also it reports as unsecured loan, is that good or bad?

Compass Bank

Jan 312010
 

Just got an invitation to apply. has anyone heard anything about the bank? Good or bad?