Rebuilding Your Credit

[Sassy_Taurus]

Hello! I've been looking around this forum since January and have found very useful information here. I'm on a journey to rebuild my credit. As a young adult until now I never really took care of my credit. Now that I want to become a homeowner my credit is coming back to bite me. January I ordered all three of my credit reports after a realtor ran my credit. 

 I disputed almost everything on it. Today I went back to see my realtor and to my surprise my scores went up 43-75 pts between the 3 bureaus. I've applied for the Orchard unsecured cc online and it said that I was approved so I'm just waiting on it.

 I also applied for the Capital 1 secured card and made the deposit as well. Any advice as to what else I can do to get my score up? Any advice would be greatly appreciated.

Thanks in advance

[Guava]

I would target the remaining derogatives on your report such as collection accounts, charge-offs, or late payment if you have any. Send out debt validation letter on any debts that you're unsure about its legitimacy, offer PFD for unpaid debts, and GW paid debts/late payments.

[LIGHTNIN]

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Sassy_Taurus wrote:

Hello! I've been looking around this forum since January and have found very useful information here. I'm on a journey to rebuild my credit. As a young adult until now I never really took care of my credit. Now that I want to become a homeowner my credit is coming back to bite me. January I ordered all three of my credit reports after a realtor ran my credit.

I disputed almost everything on it. Today I went back to see my realtor and to my surprise my scores went up 43-75 pts between the 3 bureaus.

I've applied for the Orchard unsecured cc online and it said that I was approved so I'm just waiting on it. I also applied for the Capital 1 secured card and made the deposit as well. Any advice as to what else I can do to get my score up? Any advice would be greatly appreciated.

Thanks in advance

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 Welcome to the forums,

Well you've came to the right place, to learn about repairing and rebuilding credit.

Do you have any baddies reporting now, on your CR's?  If so, what's reporting?

A posting hint......If you have spaces or paragraphs in your post, you may see more replies because it's easier for us to read.

You can do that by editing your post, at the top right corner of your post, click on options, then on edit.oh and of course post.

[Sassy_Taurus]

Thanks Guava

[Sassy_Taurus]

Thanks for the posting hint. Yes, I still have a few baddies. According to EQ I have 5 accounts that are hurting my score. 2 are scheduled to fall off next month, a student loan and a old cc thats in collection.