I had some SL 5 years ago that defaulted and have since been rehabbed over 2 years ago. Even with the loans being rehabbed and transferred to another lender with no late payments for 2 years the original loan showed 120 days late. After calling and trying to get them to update the status they refused and it was showing 4 accounts with 4 different loan amounts 120 days late. The only adverse accounts that I had on my credit were the 4 loans and 1 car loan. After disputing both through Transunion I was able to remove all of the negatives from each of those accounts. My credit score was around 602 with high usage on my credit cards which I plan to pay off fully by the end of the month. What should I expect score wise? I have about 3 credit cards all paid on time for 2 years and a car loan paid on time for 3 years along with the SL accounts that were transferred. Im pretty excited about my Fico future and trying to see what steps I need to take next.

 

My goal is 750 by the end of the year.

 

Can you guys share your experiences after you cleaning up the negatives on your CR? I am cross roads. Don’t know which credit cards I should apply for.

 My current EQ Fico is 709 without any baddies and TU is around 670 with one baddie, which I am negotiating with MCM. Some of them which dropped of my EQ and TU reports are CITI, Amex, Discover, Bof, Chase, HSBC…Long and the short of it is , I don’t know how to build , Share your experiences and any secrets and tips will be appreciated…Â