20 point bump

Jan 292011
 

Just got an alert and went and pulled a new equifax report from myfico, and I went from 620 to 640………….Im very happy.  I have been working like crazy the last 3 weeks to get some movement.  I have read every thing there is to read on this forum and signed up for everything.  With the knowledge gained here, I removed myself as a AU from a friends home depot card which carried a 10k balance on a 15k limit.  I then paid down some of my revolving credit and then filed dispute on current balances on those revolving accounts……………….and boom, I have my 20 point bump today.  I still have 2 revolving accounts showing wrong balance(I have also paid these way down as well) so when these accounts report, I should be due another good bump.

 

Funny tho I didnt get my alert from scorewatch.  I got it from my membership with Equifax.  I have all my alert settings set just like all these forums say to do and still no alert.  Thats a bit frustrating.  I really dont want to have to pay membership at equifax, however, it seems as though thats best way to get alerts.

 

Im really tempted to pull another TU and see what it has jumped to as well

Adverse accounts previously discharged in bankruptcy

Nov 092010
 

I have noticed I have several “red flagged” accounts on my credit report marked as seriously delinqent (my last late payment was 5 1/2 years ago) that are affecting my credit score.  These accounts were discharged in bankruptcy in April of 2005, as were several other accounts that do not show up as being red flagged.  Are these accounts something that should be changed to show discharged in bankruptcy, and will doing this affect my score?  In other words, it seems as though I/m being double dinged by showing (1) public record and several deliquent accounts that are actually part of the bankruptcy.  Is this normal?

My goodness…here’s another one. I think I just sprouted another grey hair.

Sep 302010
 

Good day to all. Needing some help. Lookin at the hubbys cr. It seems as though two collection agencys are reporting the same account:

                   Equifax                 Transunion              Experian

                reported                  not reported          reported

                  WCI                                                       ER Solutions

               #same                                                      #same

  Date opened 4/2010                                         Date opened 4/2010

  balance amount 542.00                                 balance amount 542.00

date of status 4/2010                                       date of status 4/2010

closed                                                                  closed

Need help with this one…

New to this Blog but I need help on how to repair my credit

Aug 302010
 
I was sent to this site from yahoo answers website. I was told this is the best site to go to for help. I am so tired of wrestling with my credit right now. I have paid for everything with cash in the last 5 years. I have several collection accounts, credit cards that are marked as charged off, and medicals personal loans and now I have student loans that were supposed to be in default and they aren’t! What else can go wrong? I’m 35 and need to buy a house. I earn 80,000 a year and can’t seem to get my credit together. I have paid a company 100 a month to clear my credit but it seems as though it was a waste! Most of my collections are over 5 yrs old. Should I just sit around for 2 more years and hope they fall off or should I just pay them off and hope that it doesn’t update my negative credit trying to do “the right thing”!! I’m a complete mess. I pay rent of 975 a month along with lights, water, electricity, cable and can’t get a home in my own name!! I’m never late on these items either. Whats really frustrating is that I just got an orchard bank card, a secured credit card through my credit union and opened up a loan in a furniture store to help fix my credit and it has actually dropped 56 points!! Why? Can I get some serious answers to resolve my situation please? I really need help. I’m willing to do whatever it takes.