Rebuilding Your Credit

[rob0589]

i pulled my score from transunion.com its says 637.. any advice?

[MarineVietVet]

---

rob0589 wrote:

i pulled my score from transunion.com its says 637.. any advice?

---

That's not a FICO score either. It's called a VantageScore and only a very few lenders use it.

You can only buy true FICO scores at a few places. One place is here at myFICO.

At one time you could also purchase your Transunion score at transunioncs.com but no more. Wal Mart now offers a TU08 score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

[rob0589]

ouchhhh came back with a 584 through myfico... any advise? all of my debt is paid i have 3 installment loans, 2 had 11 late payments from 07-09.. all my closed CC have zero balance.. 2 items in collections that was paid off.. Where to start ? 

[LIGHTNIN]

---

rob0589 wrote:

ouchhhh came back with a 584 through myfico... any advise? all of my debt is paid i have 3 installment loans, 2 had 11 late payments from 07-09.. all my closed CC have zero balance.. 2 items in collections that was paid off.. Where to start ? 

---

The 2 items in collections that are paid......How old are they?  or Do you know the dates of removal?

Dates of removal can be found on TU CR or EX CR.

[rob0589]

They are about 4 moths old. as soon a they were put on my CR they were paid.

[FrugalRican]

---

rob0589 wrote:
They are about 4 moths old. as soon a they were put on my CR they were paid.

---

Those collections that you just paid off, try to get them GW'ed (good willed).

See if you can get them to delete them from your credit report.

Since you are new, you might want to give a quick read around. A few of the mods have some useful links in their signatures.

The forum can be overwhelming at first, but the wealth of information is more than worth it.

[rob0589]

Yes iVe been looking at other GW letters, its through my old college so I think I can get them removed pretty easy. I also have a paid charge off with cap one but have another current account with them... What can I do about that?

[FrugalRican]

Goodwill them too. Even MORESO because you have a current account with them.

[llecs]

---

rob0589 wrote:
Yes iVe been looking at other GW letters, its through my old college so I think I can get them removed pretty easy. I also have a paid charge off with cap one but have another current account with them... What can I do about that?

---

CapOne is tough, but keep GWing them. I'd also reference a quick blurp of what you did to rectify the account and mention in the GW that CapOne forgave you and issued a second CC which has been paid on time for X yrs.

[rob0589]

I talked to a very helpful lady at capital one. She said she would be to have the charge off removed because I have a current account with them.