NO TUC SCORE--WHAT DO I DO FIRST?

[Hootrvil]

I've been reading the boards for days trying to figure out exactly where to start in re-building my credit (my life!)

I'm getting more confused!

I started by seeing a credit counselor who pulled my report and helped me to see what it says.  She didn't really give

any steps to take other than to take a course--which I've done......this is supposed to raise my score by 10 pts per CB.

I have student loans that are in rehab, some medical bills dating back to 2007--total on these is $1200, 1 charge off that I'm considering disputing from Devry--don't recognize this at all.

I also have 1 credit card that was closed in 2004 that was current when closed.

This leaves me with a EXP number of 605, XPN number of 563 and no number for TUC.

What would you do first?  Get a secured card? PFD on medicals?

As I said--my student loans are in rehab and the bads are supposed to be taken off after completion of my rehab period.

I have no credit card, no car payment. 

Any suggestions would be GREATLY appreciated!

Hootrvil

[guiness56]

Where did you get your scores?

You definitely need some sort of CC.  A secured card will work just as well as a non-secured.

Instead of disputing with CRAs, send DeVry a direct dispute under FCRA 623(a)(8).  They have to investigate and make corrections and/or deletions/updates and let you know within 30 days of the outcome.

The closed CC is helping your AAoA so leave that one alone.

Yes, I would try for a PFD on the medical collections. 

[Hootrvil]

Thank you!

I went to a National Credit Counseling office and they pulled by report. 

I'm planning on getting a Capital One secured card and then PFD on the medicals--in that order.  Is that the best way to go?

And would a small car loan help with the "establishing good credit" that I need to do?

hootrvil

[guiness56]

I am not sure if those are real FICO scores.

Yes, both a CC and an auto loan would help.  You need a mix of credit and that would help.

[jackg]

I suggest you become an AU on a CC that belongs to someone that would trust your behavior with it.

[Hootrvil]

I have a good friend that would probably do that for me.  Do I have to actually use the card for it to count or do I just have to have my name on there as an AU?

[guiness56]

No you don't have to use it.  They just add your name to it as an AU.

First, make sure that card reports an AU account.  Some don't.