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New Member
Posts: 16
Registered: ‎01-04-2013
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Tradelines

what are these tradelines you speak of? i've never heard of them before.

New Member
Posts: 16
Registered: ‎01-04-2013
0

Re: Tradelines

I have:

12 installment accounts

3 revolving

 

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: store card

[ Edited ]

In my experience your scores will not improve until you start addressing those negative items. My advice would be to check out the rebuilding forum

 

 

You will find a wealth of information here!  I am going to suggest that you start the journey by reading the following threads: 

 

 

 

What Steps Do I Take?

 

 

 

That will give you a great place to start!   Also you want to opt out first before contacting these creditors... to opt out go to: www.optoutprescreen.com

 

 

 

The next advice I can give is to contact and deal with each creditor one by one. Best of luck and if you use the search function to search for each of your creditors yoi can see how others have dealt with them successfully in the past. A lot of members have had.much success with simple goodwill requests to remove a few late payments... especially if your overall payment history was good. Best of luck!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: store card

In addition you should check out the goodwill thread: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Member
Posts: 16
Registered: ‎01-04-2013
0

Re: store card

i have already contacted sallie may and the Dept. of Edu. they have strict policies and refuse to budge. those are dead ends that i have to live with.

 

the other ones, i am in the process of working out. hopefully i can get them removed. 

 

thank you very much for your advice. 

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: store card

No problem! Good luck!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Member
Posts: 16
Registered: ‎01-04-2013
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Opt Out

what is the benefit of opting out of getting firm offers? i don't understand what the benefit is.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Opt Out

Sometimes if your credit score starts to dramatically improve; a collector will file a collection or judgment because they buy the info from the bureaus. If you are opted out then it makes it harder to notice that you are improving and you can stay under the radar. Its not uncommon for debt collectors to try to collect on bogus or zombie debts when someone has an initial pull for a mortgage. Some of this activity is illegal on their part but for convenience sake I rather not deal with them. I have been opted out since 2008.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
New Member
Posts: 16
Registered: ‎01-04-2013
0

opt out

i am considering it. thanks

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