My First Post is to say thank you!

[zenjennnn]

A few years ago I started reading this forum.  My credit was in shambles after leaving an abusive ex boyfriend.  I didn't get really serious about fixing stuff until last year.  I had some good reporting stuff by then (cap 1 secured and another secured account).  I started at around 560.  I've now made it to 610 (Equifax) and 640 (TU) I still have a really old repo, around 5 CA for medical stuff, release of liens from CA state taxes and a Fed Tax lien.  I just signed up for Collection Shield 360 a few days ago.  I also just sent out a GW letter to Capital one for a late payment in 2012.  My main focus right now is to get the lien settled for the IRS so I can work on getting that off my report.  Anyone know how to work with the CA FTB to get the releases off my record?  They were taken care of about 2 years ago.  Oh and I also just qualified for 5.75% on a car loan with Cap 1.  Thanks for all that post their failures and sucess as it is what has helped me get this far  

[rmduhon]

Since you only mention EQ and TU scores I assume you got them from Credit Karma? If so sign up for Creditchecktotal for the $1 trial for 7 days and see what your Fico 08 scores are. You can cancel it before the end of the trial and quite often will be offered half off for up to 5 yours if you want to keep it. CK uses Vantage 3 scores which very few lenders use.

[zenjennnn]

I did them through Experian.  I have a freeze on my Equifax account or something so right now I can't get that credit report.