Rebuilding Your Credit

[Smarty0103]

Hello My Name is Smarty0103

I have 5 charge offs, 6 collections, and 2 judgments

After years and years of being misinformed and irresponsible, I am currently in repair mode.

[Smarty0103]

Correction.... Make that 7 charge offs and 10 collections... :/

[QAMngrGirl]

My name is QAMngrGirl

One baddie left, a CO that's $0 Paid but HSBC is not cooperating with any GWs. Won't fall off until 2015 =/

Oh, and too many inquiries on EX & EQ, none on TU 

Edited to add accomplishments since I have joined myfico:

Got the courage to call the ph# on the "app pending" screen for Discover & got it!

Learned and have been diligently used GW letters/emails

Set and met personal financial credit goals (small but important), and keep going forward

Realized it's OK to close a card that benefits me in no way at all

Not one denial since I joined, I have been able to research what requirements are needed, what cards benefit me, etc.

[trix_r_4_kids]

"...Inigo Montoya. You killed my father. Prepare to die."

Sorry.  I couldn't resist

* 4 paid State Tax Liens from 2007, 2008, 2009, and 2010 -- Waiting for them to age off

* 1 HUGE unpaid repo -- However, I just got a 1099 that I filed with my taxes (goodbye refund!)

* 1 PITA collection from Portfolio --  sent PFD without any response from them

Since I've joined the forum -- I've successfully rehabbed my student loans, gotten a PFD from RJM, used HIPAA to remove a medical collection, and corrected 2 errors in reporting on my credit report.

Thank you for starting this thread.  I love the support this forum provides!

[fused]

My name is fused.

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.

[guiness56]

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fused wrote:

My name is fused.

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.

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What a reunion!  First Byrdman now fused.

[ktl72455]

Hello! my name is KTL72455, I started out paying CA and then found this forum, boy have things changed for the better since then!!

I started with:

2 AU on DH  CCards, none of my own

1 Tax Lein ( paid in 2008)

2 CO ( cap 1)

3 Judgements

3 AU Charge offs showing

3 medical CA

1 utility CA

1 Verizon CA ( afni) paid off next month

1 Forclosure

I now have:

4 CC  400, 550, 300, 300 & 1 FH/300 Plan to keep all zero balance becuase of being AU on DH 2 CC. 

2 AU on DH

1Forclosure ( drops 2016)

1tax lien (drops 2014)

3 Judgements ( 2 will be removed after paid March 8th)

2 CO (drops 2015)

1 Verizon CA ( afni) paid off next month

I will keep GW the CO until they drop in 2015 :-)

[Shogun]

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guiness56 wrote:

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fused wrote:

My name is fused.

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.

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What a reunion!  First Byrdman now fused.

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Don't forget scamp and whirledpeasplease just made an appearance!

Hiya fused!

[PrettyGyrl]

This is good!!!! Keep it up! Bump

[mmmlive1999]

Mmmlive1999

 I have :

- 2 tax liens ( 1paid/1 unpaid),

-1Charge off,

-1 Reop,

-3 Collections

......and this is a huge improvement from before