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Regular Contributor
Posts: 167
Registered: ‎07-07-2015
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NEED HELP REPAIRING CREDIT!!!! WOULD LIKE TO PURCHASE HOME SOON (UPDATED) GOT PRE APPROVED FOR HOME

[ Edited ]

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!!!!!!

Regular Contributor
Posts: 167
Registered: ‎07-07-2015
0 Kudos

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!!!!!!

Established Contributor
Posts: 1,010
Registered: ‎03-14-2007
0 Kudos

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%?

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