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My Rebuilding Log! Any Advice Is Appreciated.

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Anonymous
Not applicable

My Rebuilding Log! Any Advice Is Appreciated.

I started reviewing and acting on my credit report 9/24/15.  My score on that date was as follows:  Equifax 533 Transunion 490 and Experian 528. 

 

 

 

I have disputed and have had removed the swissy colon (was not mine), Springleaf with acct number 8111 removed after dispute.  I am disputing currently the HSBC and Portfolio.  I am waiting for a removal fro those two because they are not mine.  Porfolio is giving me a run around.  HSBC is being crazy because they changed my Experian report to reflect good credit which I have no understanding of why when it is not mine.  I am trying to do a setlement with CACH, LLC but they are doing a settlement with me without PTD which I dont like because it will not help me?  Correct? 

 

I had nothing as actively open to help me gain with payment history so I have opened up a Fingerhut Fresh Start and a Secured Capitol One Card.  Capital One is not reporting yet.  Made a payment on Fingerhut which has not reported yet.  My score today sits at Equifax 553 Transunion 512 Experian 532. 

 

I have home and land paid for and I am trying to get a cash out loan to renovate it, pay off old debt, and send kid to community college.  I have the income and work length and history.  Credit score is the only thing holding me back. :-( 

Message 1 of 4
3 REPLIES 3
Pway
Valued Contributor

Re: My Rebuilding Log! Any Advice Is Appreciated.


@Anonymous wrote:

I started reviewing and acting on my credit report 9/24/15.  My score on that date was as follows:  Equifax 533 Transunion 490 and Experian 528. 

 

 

 

I have disputed and have had removed the swissy colon (was not mine), Springleaf with acct number 8111 removed after dispute.  I am disputing currently the HSBC and Portfolio.  I am waiting for a removal fro those two because they are not mine.  Porfolio is giving me a run around.  HSBC is being crazy because they changed my Experian report to reflect good credit which I have no understanding of why when it is not mine.  I am trying to do a setlement with CACH, LLC but they are doing a settlement with me without PTD which I dont like because it will not help me?  Correct? 
Even though they will not do a PFD, I would still pay it.  It will be updated to paid and it looks good to future lenders that view your profile.

 

I had nothing as actively open to help me gain with payment history so I have opened up a Fingerhut Fresh Start and a Secured Capitol One Card.  Capital One is not reporting yet.  Made a payment on Fingerhut which has not reported yet.  My score today sits at Equifax 553 Transunion 512 Experian 532. 

 

I have home and land paid for and I am trying to get a cash out loan to renovate it, pay off old debt, and send kid to community college.  I have the income and work length and history.  Credit score is the only thing holding me back. :-( 


 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 2 of 4
Anonymous
Not applicable

Re: My Rebuilding Log! Any Advice Is Appreciated.

If I pay the 200.00 on the account to settle will it restart the date that it will fall off of my report?

Message 3 of 4
Pway
Valued Contributor

Re: My Rebuilding Log! Any Advice Is Appreciated.

They will report the account as settled.  IIRC this does not reset the date it will fall off your reports. 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 4 of 4
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