Rebuilding Your Credit

[Jane_O]

Hi everyone,

I'm new to cleaning up my credit because I'm trying to qualify for a mortgage.

I just got the score watch alert with this jump. It didn't exactly tell me it jumped so I ordered an EQ report to compare it with my last. First, my utilization went down from 30% to 26%.

I also noticed that Capital One removed a 60 Day late I had from June 2006! I have a 30 Day late from 7/2010 and a 90 Day late from 7/2006 left. I called them last week to see if they could take them off. I pretty much begged them. The CSR said that she would put in a request, but couldn't promise anything. Well, sure enough, one has come off. Do you thing the two remaining ones will follow?

Call first, it works!!!!!!

[Jane_O]

Why it jumped*

[LIGHTNIN]

Congrats on 13 points Keep up the good work!!

[Epcot]

Nice going, Congrats on the increase!

[Shogun]

Congrats!