New to Credit Restoration-HELP!!

erica1021 · ‎03-20-2013

My husband and I are looking to purchase our first home this year and I want to start cleaning up our reports so that we can get the necessary boosts. I want to try to do GW and PFD for the accounts but I don't know who to contact. If someone can guide me to the right place to find the contact info that would be great!! Here are the companies I need contact info for.

HSBC/Best Buy

Citibank/Shell

Capital One

First Premier

GECRB/Pay Pal

Tribute Card

Id like to start with these and then move onto the medical and collection accounts. Has anyone had success with any of the above accounts? Any suggestions are welcome!

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

DaBears · ‎03-20-2013

Hi and welcome to the forums!!!! are they paid? how old are these accounts? are the in collection?

Credit Scoring 101
Guide to Common Abbreviations

starry1 · ‎03-20-2013

I don't believe the tribute card is allowed to report. They were shut down by an ftc lawsuit and court ordered not to report negatives. In any case, I don't believe there is anyone to contact for it now. Do a Google search for the ruling and send it along with a request for deletion. Contact info for the others are on your credit report. Or you can do a search for it here.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

erica1021 · ‎03-20-2013

HSBC/Best Buy- DOLA March 2007 Paid

Citibank/Shell- DOLA Sept 2010 (Charged off) I am an authorized user. It was my parents card and they called to let me be able to use it while in college. I never filled out paperwork to be added. Im not sure what to do with this one/

Capital One- DOLA Jan 2013 (Charged Off) $895 Currently making payments through CA. Should I PFD the CA or capital one?

Capital One- DOLA Nov 2011 (Charge off) $562 same as above

Vapital One- DOLA Feb 2007 Paid

GECRB/PayPal- DOLA Feb 2007 Paid

Tribute- DOLA Feb 2010 Paid

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

erica1021 · ‎03-20-2013

thanks! I will do that!

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

erica1021 · ‎03-20-2013

Do you think I should email PFD to the accounts I still owe on or should I send a letter? I just want to make sure I do it right the first time.

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

erica1021 · ‎03-21-2013

Anyone have any suggestions?

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

DaBears · ‎03-21-2013

@erica1021 wrote:
HSBC/Best Buy- DOLA March 2007 Paid
Citibank/Shell- DOLA Sept 2010 (Charged off) I am an authorized user. It was my parents card and they called to let me be able to use it while in college. I never filled out paperwork to be added. Im not sure what to do with this one/ Is it reporting as a C/O on your credit report?
Capital One- DOLA Jan 2013 (Charged Off) $895 Currently making payments through CA. Should I PFD the CA or capital one? I would PFD the CA since you are making payments to them. Who is the CA?
Capital One- DOLA Nov 2011 (Charge off) $562 same as above If you have the funds I would try a PFD on this one.
Vapital One- DOLA Feb 2007 Paid
GECRB/PayPal- DOLA Feb 2007 Paid
Tribute- DOLA Feb 2010 Paid I believe the FTC has a ruling on this where it's not suppose to report as Starry1 stated.

Credit Scoring 101
Guide to Common Abbreviations

erica1021 · ‎03-21-2013

Yes the shell card is reporting only account.
The CA is enhanced recovery
Yes I have the funds to pfd I thought it would be better to have monthly payment schedule shown? Is that not the case?
Who should I send the dispute to about the tribute card?

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013

erica1021 · ‎03-22-2013

Is capital easy to work with? Also who knows who knows who to contact about the tribute account

Mine: TU: 477 11/2013, 506 02/2013, 548 4/2013 EQ: 479 11/2013, 506 1/2013, 520 4/2013 Quizzle: 620 4/2013 Karma: 611 4/2013 credit.com: 590 4/2013

Husband: TU: 485 11/2013, 496 02/2013, 526 4/2013 EQ: 503 4/2013
Quizzle: 577 4/2013 Karma: 551 4/2013 credit.com: 500 4/2013