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Newbie here

New Member

Newbie here

Hello everyone. I am a newbie to this site but I have been working on credit for over a year now and honestly I feel I haven't gone anywhere with it. I have read alot of the postings on here and I will try some of the things posted. If anyone can give me any other advice, it will be greatly appreciated.
As of 10/6/07 Equifax 610 Experian 596 TransUnion 602 Baby steps. Gotta make it to 620!!!
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Newbie here

What is your situation?  Scores?  Baddies?  Please give a background, so we can try to help.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Message 2 of 8
Moderator Emeritus
New Member

Re: Newbie here

Well my situation is that I have paid off alot of things on my CR that I knew I had to but they remained on the report just reflected as paid. I was reading on here about trying to send out a GW letter. Would that be the best way to go?
As of 10/6/07 Equifax 610 Experian 596 TransUnion 602 Baby steps. Gotta make it to 620!!!
Message 4 of 8
Moderator Emeritus

Re: Newbie here

yes,anythig that you paid!!!!!
Message 5 of 8
Valued Contributor

Re: Newbie here

GW everything. If they refuse, send it again. then again, then again.
Message 6 of 8
New Member

Re: Newbie here

I think whats killing me the most is the collection items for some payday loans me and my fiance did. We were going through some rough times and took out a couple of those and they are reported to a collection agency that we are paying on a monthly basis but it has not been updating that we are paying on them or taking the balance down. Any suggestions?
As of 10/6/07 Equifax 610 Experian 596 TransUnion 602 Baby steps. Gotta make it to 620!!!
Message 7 of 8
Moderator Emeritus

Re: Newbie here

dispute them as inaccurate  with all CRAs that are reporting.
Message 8 of 8