Rebuilding Your Credit

[Lasardo]

I started with 27, 2 of which were not medical and 2 judgements on EX - .8 out of 27,TU - 0 left out 17 (2 judgements) and EQ -
5 left out 18... I am over the top with my results .(TU score 708 from 554) . I was told by LL medical is the easiest to remove. ,~
Good luck

[rootpooty]

congrats on your removals. yeah with my experience medical bills are the easiest to remove. however she got into a car accident 4 yrs ago and had no health insurance and has about 35-40k worth of medical bills in collections. so it will be interesting to figure this one out. im not poor but ill get it figured out

[Repo-ed]

Great work everyone.

Regardless of being able to do it yourself.  If you are able to afford the position to have somebody elese do it, that's a-ok.

[Duncanrr]

I may see if they can work on my Cap1, Verizon and my PFD's that were supposed to be processed but still reporting on EQ.  I'll work on SM as its a sensative tradeline but I may delegate some leg work on others to them...not sure yet. 

My ego wants to say I did it all by myself

[westo12]

Just curious: Are these paid items (Charge offs, collections, etc) that are reporting correctly/incorrectly? I guess it just sounds too good to be true for me. I've been doing a lot of my own cleanup work, but I have about 6 major derogs ALL paid that I know are holding my score down right now.  

[ElDiablo]

Duncan,

A CAP1 settlement was the first item they removed. They also removed a ford motor credit charge off. TU was the first to delete these items.

[ElDiablo]

my charge offs and settlement were paid.

[jetsfan2012]

100 a month seems steep but I guess if you see results then its worth it

[ccb2115]

I only have one negative on my account ---a Bloomingdales chargeoff (a chargeoff that should fall off in February 2013). It's accurate though, so I am not sure if LL could help me. I am wondering if I should just pay the 100 bucks and see what they can do in a month. If Bloomys doesn't budge, which they havent for me, then i'll cancel. I'm also worried that having Lexington dispute a bunch with them will mess things up and it will end up not falling off in February. Is that possible? 

[MarineVietVet]

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ccb2115 wrote:

I only have one negative on my account ---a Bloomingdales chargeoff (a chargeoff that should fall off in February 2013). It's accurate though, so I am not sure if LL could help me. I am wondering if I should just pay the 100 bucks and see what they can do in a month. If Bloomys doesn't budge, which they havent for me, then i'll cancel. I'm also worried that having Lexington dispute a bunch with them will mess things up and it will end up not falling off in February. Is that possible? 

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Then there is no basis for a dispute. Only information you truly believe to be incorrect should be disputed.