topic Re: want to rebuild not sure where to start in Rebuilding Your Credit

want to rebuild not sure where to start

ajac09 — Tue, 09 Oct 2012 23:05:00 GMT

so we are wanting to buy a house but need to fix my credit so here are my debts. Any advice on where to start?!!? I just feel completely worthless right now.

LVNV FUNDING, LLC

940 total owed.

Status Details: This account is scheduled to continue on record until May 2014.

FIRST PREMIER BANK

418 owed

Status Details: This account is scheduled to continue on record until Jun 2014.

CONTINENTAL FINANCE/1ST BANK DE

High balance 1539. Credit limit original 300

Status: Transferred,closed. $539 written off.

DIVERSIFIED ADJUSTMENT

Sprint 92 dollars (will be paying that asap)

CREDIT ONE BANK

Credit Limit/Original Amount:
$200

High Balance: 606

ARVEST BANK

623 total owed

Status Details: This account is scheduled to continue on record until Aug 2014.

Status Details:
This item remained unchanged from our processing of your dispute in Apr 2009.

Re: want to rebuild not sure where to start

Tran92 — Tue, 09 Oct 2012 23:12:17 GMT

Have you tried contacting them for a PFD?

Re: want to rebuild not sure where to start

ajac09 — Tue, 09 Oct 2012 23:35:38 GMT

nope just found out today what that is lol how do I go about that?

Re: want to rebuild not sure where to start

windupbird — Tue, 09 Oct 2012 23:55:21 GMT

Hi - I am new at this too, but please don't feel "worthless"!!!! I am a very emotional person and I can tell you that the best way to begin is to realize that you want to help yourself - that's why you're here; you want to deal with these bills and that is very good!!!! Just try to set aside the negative emotions and thoughts. I have been mostly lurking here for 4-5 weeks and based on advice here and just educating myself, I have raised my EQ score by 20 pts and my TU score by 10 pts. You can search PFD and read about it. I have had some luck just calling CAs to ask for PFD but I have also written letters, both hard copy via CMRRR and email. More experienced people will be able to give you some good advice.

Re: want to rebuild not sure where to start

ajac09 — Wed, 10 Oct 2012 00:16:11 GMT

I duno I just look at it and go "what the heck do I do". I mean compared to alot of people its not much but I just cant figure out how these people get 50k in debt and I can barely get a credit card