@rockbttm442 wrote:I have been in the rebuilding process for 4 months now. I have deleted addresses and numbers from TU and EQ. Working on EX. Without going into every detail I am like everyone else posting I had a troubled past with my credit and messed it up pretty bad.
I have 3 CO on TU 4 on EQ and 5 on EX.
TU/EQ/EX
Credit One
unpaid balance CO
sold to Midland Funding
Estimated removal 12/18
First Premier Bank
unpaid balance CO
sold to Jefferson Capital
Estimated removal 12/18
Midland Funding
Acct PIF
Estimated removal 12/18
EQ/EX
Nuvell Use the early exclusion on this, 2-3 mo in advance for these 2 CRA, TU is 6 mo in advance.
Acct CO
Estimated removal 07/15
EX
Northern Leasing System GW letters if its still on use early exclusion as it comes up on the time.
Acct CO
estimated removal 02/16
i sent goodwill letters to the CEO of Midland and FP a month ago looking at send round 2 open to any suggestions or personal experience on removi these trade line early as I am looking to secure a home loan in 6 months to a year.
credit scores TU 562 EQ 583 EX 582 all FICO scores
Its highly unlikely you will get goodwill from Midland and FP, you can keep trying GW letters at one a month to the CEO. For Credit One send GW to the office of the CEO as well. If you have no current revolving cards you need to get at least 3 ASAP. Your score is pretty low for these old items unless they have been reporting recently.
@rockbttm442 wrote:Credit One last report 3/27/15 First Premier 2/28/15 Midland 4/08/15 Nuvell 4/18/15 last updated to CRA. I have a Cap 1 QS1 $300 and Kohls $300 but an AU.
Thats why its depressed these are all current reportings. You need at minimum 3 of your own bankcards and I would be getting those ASAP. Go secured if you have to, cap also check Cap-1 pre qual to see what else may come up from them.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302
