Rebuilding Your Credit

[vetstorm91]

• I started the journey to purchase a home last April. I did purchase a home in November but now I want to be in the 700 club this year. Here is a listing of all the negative information on my credit reports. OMG here it goes:
•                                                                                                   Experian              Transunion         Equifax
•  Company Name             Owed                 DOFD                     Current Status            Current Status         Current Status
•  HSBC                              0                       7/2007                    Collection                    Collection
•  Conns                              0                       8/2008                    Collection                  Collection
• TXU                                  0                       10/2008                                                     Collection                collection
•  Nuvell                              18792                4/2008                    repo                            repo                       repo
•  Santander                       6967                  1/2008                                                       repo
•  midland/embarq             1653                   9/2006                    Collection                  Collection               Collection (reported on 11/2011)
• Credit Acceptance           2053                  11/2008                  Collection                                                 Collection
•  RS Clark                         0                        10/2010                  collection                                                 Collection
• RS Clark                          0                         2/2011                   collection                                                 Collection
•  CSBI                               56                       4/2006                   Collection
•  CMI                                 582                     1/2006                   Collection
• Litton Loan                                                  8/2009                    Foreclosure
•  Litton Loan                                                 8/2009                    Foreclosure
•  Campbell                        0                          8/1/2010                Collection
•  Inquiries TU-12 EQ-16 EXP-15
•  Myfico EQ-592 TU-630 03/31/12
•  FCR EXP(fako)-598
•  TU(Fako)-698
•  CK-632
• EQ(fako)-603
•  This my mess and I am not blaming no one but I had went through a divorce. Now I am determine to get my LIFE and FINANCES back together. The collection accounts that I have zero balance I wrote a GW. Midland sent a DV letter. Do anyone have any advicefor me?

[hateAshbury]

I'd offer to pay those collections for an agreement to delete the collection from credit reporting. Goodwill the zero-balance collections or just wait for them to wither off in a year or two.

[vetstorm91]

What do you mean a year or two the the zero balance collection will wither off my credit reports.

[vetstorm91]

+1

[vetstorm91]

csbi and cmi deleted from experian report.  Now working with credit acceptance and mcm to pfd.  Hoping i can get them to agree.

[vetstorm91]

Transunion now 684. I m on the move now I need equifax and experian to move up

[rckstrscott]

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vetstorm91 wrote:
Transunion now 684. I m on the move now I need equifax and experian to move up

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That Santander repo --- was you account originally with Santander? Or did you Repo happen with, like CitiFinancial and then Santander bought it Citi when they purchased their portfolio??

-scott

[vetstorm91]

It was a repo from when I went thru a divorce. It was with santander. It is still on credit report

[RobertEG]

Do you have available funds for making PFD offers?