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Hi everyone I'm new to the credit watch world and wanted to get some insight on how to rebuild my credit. The only score I can see on the site is my EQ of 538 and I'm having a hard time trying to find a auto loan!! I get approved some places and denied at others so its been a struggle the past couple weeks.
@Anonymous wrote:Hi everyone I'm new to the credit watch world and wanted to get some insight on how to rebuild my credit. The only score I can see on the site is my EQ of 538 and I'm having a hard time trying to find a auto loan!! I get approved some places and denied at others so its been a struggle the past couple weeks.
You need to provide specifics because we cannot give opinions on just 'how to rebuild credit'
What types of accounts on there? Collections? Judgments? Liens?
How is your current avail credit? Do you have any sorts of open trade lines?
-scott
I have 1 collection I am trying to track down. No information is provided. Any insight on how to track down these 'no info' accounts?
Currently I have 'Ratio of your revolving balances to your credit limits 114%' on my report. But I think this is because of Student Loans.
Also is there a site I can get that you recomend for ALL 3 scores and reports? I've already checked my annual report but I would like something I can view more often.
@Anonymous wrote:Currently I have 'Ratio of your revolving balances to your credit limits 114%' on my report. But I think this is because of Student Loans.
Well, there is no place to purchase your 3 FICO scores, as Experian has stopped allowing consumers to buy their FICO reports. You can get your other two from here, to at least get an idea. There are multiple places to by all three reports. Just be careful, the scores they sell you are bogus. Almost all lenders use FICO to make descions.
114% of revolving. Student loans are installment. That percentage is not impacted by your student loans. What kind of credit cards are listed? Any charge offs? Are you maxed out? Charge off and maxed out accounts are killers.
Was there no information on your credit report about that collection account?
1 Credit Card Below limit as of today, I have a few charge offs from years ago and after digging I found a medical bill that had been unpaid.
I've rounded up the information and am taking care of it within the next couple days. Now to rebuild
@Anonymous wrote:1 Credit Card Below limit as of today, I have a few charge offs from years ago and after digging I found a medical bill that had been unpaid.
If the charge offs are showing a balance, this is why you are showing 114 percent util
-scott