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Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card info help


digracer wrote:

Thanks for the info guys but in regards to the GW letters, is it common to have 30 days lates removed when they are real and 100% my fault?


make up some excuse and be innocent..and don't worry they won't bite you :smileywink:


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Member
digracer
Posts: 6
Registered: ‎09-09-2012
0

Re: Credit Card info help

I got a personal loan today at a local bank for $10,000 based on redepositing that money in a bank CD. $468 a month for two years and reporting every month. After two years, Ill own the $10,000 and hopefully a way better CS.

8-24-2012
Experian.........565
9-10-2012
Experian-------585
Equifax---------582
Transunion----561
9-16-2012
Experian ------599
9-18-2012-----600
9-24-2013-----657
Ultimate Goal------750 by 1-1-14


Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: Credit Card info help

that's the way to go to but you also gotta take others advice for goodwill and stuff.....i mean of course they would help your credit score in a long term but i think its better for you to make a 2 3 years plan. Im sure you would going to hit your target score and goodluck.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Member
digracer
Posts: 6
Registered: ‎09-09-2012
0

Re: Credit Card info help

I have three GW letters im mailing out tomorrow.

8-24-2012
Experian.........565
9-10-2012
Experian-------585
Equifax---------582
Transunion----561
9-16-2012
Experian ------599
9-18-2012-----600
9-24-2013-----657
Ultimate Goal------750 by 1-1-14


Established Contributor
jamie123
Posts: 905
Registered: ‎03-22-2012
0

Re: Credit Card info help

Late payments that are less than 2 years old will REALLY drag your scores down. You should be able to have them removed and I can see that you have started the process. You may have to send several rounds of GW letters until they agree to delete them.

 

Your scores should really start to climb once your cards start reporting. Once your scores get above 640 you might consider applying for a Walmart card as your next card.



Starting Score: EQ 658 6/18/12
Current Score: EQ 697 10/26/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
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