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Frequent Contributor
MinnesotaJ
Posts: 285
Registered: ‎02-26-2008

credit repair almost done....time to plant some seeds and garden....care to help?

 
Thanks for everything everyone...I finally closed on my 1st home loan...(covered in Mortgages Forum)
 
now I filed the disputes I've been sitting on for 2 weeks (DV and 2nd DV no response by 3 companies....)   after they correct and I am down to 1 baddie from 2004 on 2 accounts and baddie free on the last I am hitting my CU and one other CC that pulls TU (only 1 INQ from the home loan) and one other CC and I am done with applying for credit for at least a year...(except I might need to apply for a car loan...but that's only of one of our cars finally dies.)
 
 
Any suggestions for a TU pulling bank (not interested in Hooters thanks).  I had a dream the other night I applied and was approved for a $3500 credit line.  (not a lot I know)
 
 
current cards. with limits and age
HSBC $250  2 years
1st premier x2    1.5 years 1 year  $500 $350
Embrace (FBOD) 7 mos  $364
Cap1 6 mos $600
 
only card reporting a balance is 1 First Premier for $350 (I missed paying it off in full to report by 1 day)
 
scores before baddies are deleted are TU 643 Eq 630 Ex 625....
 
 
THANKS AGAIN!
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: credit repair almost done....time to plant some seeds and garden....care to help?

[ Edited ]
If you're actually in Minnesota, as opposed to from Minnesota, see if you can figure out who US Bank pulls. They seem to vary in their CRA's though. There are a couple of threads currently going on about them, and they seem perfect for someone in your position who doesn't want to hit EQ for a credit union app. (Although a CU would also be perfect.)

Barclays pulls TU, but they can be pretty scary.


edit to add: although there's a grumpy entry on whogavemecredit.com about US Bank requiring 670's minimum. I'm not sure that's true, though; check the threads here.

You might need to let things cook for a bit and let your scores rise some more.

Message Edited by haulingthescoreup on 05-20-2008 04:58 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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