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Member
Posts: 14
Registered: ‎07-23-2007
0

Re: Am I a lost cause?

Yes, it is from MyFico.
Established Contributor
Posts: 678
Registered: ‎05-29-2007
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Re: Am I a lost cause?

Do what Orchard said - dispute it as "not mine" with the CRA.
" I like to live as a poor man, with a lot of money." - Pablo Picasso (who was a jerk.)
Regular Contributor
Posts: 219
Registered: ‎04-17-2007
0

Re: Am I a lost cause?

[ Edited ]
THERE ARE NO LOST CAUSES!!

With patience and by following the advice you get here, you can succeed!

I am living proof!

Read this:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=21283

And things have gotten even better for me in the last week!

I got a new car with a decent APR and no money down AND my FICO EQ score went up 84 points in 8 days.

THERE IS ALWAYS HOPE WHERE THERE IS A WILL TO SUCCEED!

Message Edited by Neblett on 07-24-2007 10:38 PM
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Am I a lost cause?



TexMontana wrote:
Do what Orchard said - dispute it as "not mine" with the CRA.


Yes, and DV the CA.
 
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Am I a lost cause?



angelfan wrote:
Yes, it is from MyFico.


So is anything on the EX and TU reports from MyFico? I presume you bought either Suze Orman or ScoreWatch.
 
Member
Posts: 14
Registered: ‎07-23-2007
0

Re: Am I a lost cause?

Congratulations Neblett! And, thank you so much - it is so encouraging and motivating!
Member
Posts: 14
Registered: ‎07-23-2007
0

Re: Am I a lost cause?

Nope, nothing on experian or transunion. Yes, I am using Suze Orman's product.
Member
Posts: 14
Registered: ‎07-23-2007
0

Re: Am I a lost cause?

Yes, you are exactly right - it was accompanied by an error message. I am pretty new to this, so I am probably not using the right terms. I can't tell you how much I appreciate all of the information. When I first set out to tackle repairing my credit, I have to admt, I felt completely overwhelmed. But I feel so much better now after getting so much help from all of you. Thank you!
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Am I a lost cause?



angelfan wrote:
Nope, nothing on experian or transunion. Yes, I am using Suze Orman's product.


OK, if you don't have any open CCs at all, apply for one. Probably only going to get a secured CC, but that's OK. It's still a CC, it's still revolving debt, and you want some on your CRs.
 
BofA 99/500 CC gets talked up a lot here. HSBC is another, but I'm given to understand they won't convert a secured CC to an unsecured. I think Cap 1 secured will convert to unsecured later.
 
Frequent Contributor
Posts: 470
Registered: ‎04-07-2007
0

Re: Am I a lost cause?

 
What this forum has done for me.  Smiley Happy  No one's a lost cause, lest I would be! 

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