New Member
Posts: 3
Registered: ‎12-27-2012

A Little Lost and Needing Some Credit Rebuilding Direction

Hi Everyone,


I stumpled upon this forum a few days ago, and I can tell that this is a place that is going to really help me rebuild me credit. As I read through some of the threads, I saw terms like "app spree"and "gardening" and realized that I have obviously missed some things. I don't know what those things mean or how they (might) apply to me, so any help would be appreciated.


A little bit about me:


- My student loans just went into repayment (under IBR and I'm paying as agreed)

- I have a few unpaid collections that I intend to pay (but I think I should PFD these if possible, right?)

- A few baddies that have been paid, but still appear on my credit report (as paid)

- No late payments on my one credit card (Capital One secured card) or the personal loan I have through my bank


I don't know what I should be doing at this point (other than keeping the card's utilization low) to get my credit score up. When I checked my credit score this month (FAKO through Equifax), it was 590.



If anyone can point me in the right direction (especially to a few threads that might be beneficial to me)...



Many thanks. 

Starting Score: 640 FICO (TU)
Current Score: 640 FICO (TU)
Goal Score: 715

Take the myFICO Fitness Challenge
Established Contributor
Posts: 505
Registered: ‎11-05-2012

Re: A Little Lost and Needing Some Credit Rebuilding Direction

do you have a credit card?  list your full credit report then we can help you better

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Posts: 9,674
Registered: ‎01-28-2010

Re: A Little Lost and Needing Some Credit Rebuilding Direction


Welcome to the forums !


I'd suggest taking a look at the threads in the link below ~ also take a look at the sticky threads posted in each forum, there is a wealth of information available:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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