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NEED HELP REPAIRING CREDIT!!!! WOULD LIKE TO PURCHASE HOME SOON (UPDATED) GOT PRE APPROVED FOR HOME

Regular Contributor

NEED HELP REPAIRING CREDIT!!!! WOULD LIKE TO PURCHASE HOME SOON (UPDATED) GOT PRE APPROVED FOR HOME

I SPOKE W/ A LENDER AND HE ADVISED I GET A SECURED CREDIT CARD. I CURRENTLY HAVE A SECURED LOAN W/ A LOCAL CREDIT UNION.

BELOW IS A COPY OF MY CREDIT REPORT THAT WAS PULLED BY THE LENDER. THE ONLY DIFFERENCE IS MY CAR LOAN WAS PAID OFF ON JUNE 28...PLS ADVISE

EQ-513 717

TU-555 710

EX-559 605

I have 6 DEROGATORY ACCOUNTS                 UPDATE: 07/20/2015 3 DEROGATORY ACCOUNTS

1. PROFESSIONAL DEBT:  DATE REPORTED 05/15  : DATE OPENED 11/10 :  BALANCE $2854 (pfd) DELETED

ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: MARQUIS APARTMENTS 

2.MIDLAND FUNDINGDATE REPORTED 05/15 : DATE OPENED 04/11 :BALANCE  $1471 DELETED FROM TU (EARLY EXCLUSION)

ACCOUNT INFORMATION DISPUTED BY CONSUMER; FACTORING COMPANY; ORIGINAL CREDITOR: CHASE BANK USA N.A.

3.ENHANCED RECOVERY:  DATE REPORTED 04/15 : DATE OPENED 08/14 : BALANCE $853 DELETED

ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: SPRINT

4.PROFESSIONAL DEBT: DATE REPORTED 05/15 DATE OPENED:11/10 :BALANCE  $500 DELETED FROM ALL 3 CB (PFD)

ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: SURE DEPOSITMARQUIS

5.FIRST PREMIER BANK: DATE REPORTED 03/15: DATE OPENED 12/13 :BALANCE $496 

6.CHASE CARD: DATE REPORTED 09/13: DATE OPENED 11/08 DELETED FROM TU (EARLY EXCLUSION)

ACCOUNT TRANSFERRED OR SOLD; CHARGED OFF ACCOUNT

 

 

 

 

UPDATE UPDATE UPDATE!!!! 01/18/2016

TODAY I WAS PRE APPROVED FOR MY DREAM HOME, 7-8 MONTHS AGO I STARTED WORKING ON MY CREDIT

DONT GIVE UP!!!!!!

IT TAKES TIME & PATIENCE

THANKS TO THIS FORUM FOR EDUCATING ME!!!!!!

Message 1 of 3
2 REPLIES
Regular Contributor

Re: NEED HELP REPAIRING CREDIT!!!! WOULD LIKE TO PURCHASE HOME SOON (UPDATED) GOT PRE APPROVED FOR H

UPDATE UPDATE UPDATE!!!! 01/18/2016

TODAY I WAS PRE APPROVED FOR MY DREAM HOME, 7-8 MONTHS AGO I STARTED WORKING ON MY CREDIT

DONT GIVE UP!!!!!!

IT TAKES TIME & PATIENCE

THANKS TO THIS FORUM FOR EDUCATING ME!!!!!!

Message 2 of 3
Established Contributor

Re: NEED HELP REPAIRING CREDIT!!!! WOULD LIKE TO PURCHASE HOME SOON (UPDATED) GOT PRE APPROVED FOR H

How did you get TU to EE something that was from 2011? Wouldnt 2011 mean the item would fall off from your reports in 2018. I am surprised that you got it and congrats on your new home.

 

Did you end up putting down 20% or 3.5%?

Message 3 of 3