Just want a place that I can document my journey back to having excellent credit. I will start with credit I have established and then document all my negative credit. God I'm embarrased when I look at my credit....Was in a relationship all credit was in my name right down to his motorcycle and when my partner left my whole world fell apart. I feel overwhelmed by this whole process.
Imediate goals.
1. Pay down my balances to improve my utilization which I hope will bring my score up
2. Refinance my current car loan with ELFCU in January. They have a program called we want. Basicly after making 12 ontime payments on your current car loan they will refi no matter what your fico score is. They only use your FICO to determine your new APR.
Positive
Bank name Date Open Limit Balance
Orchard 10/2008 $200 $80
Cap one 08/2010 $725 $0
Cap one 12/2011 $525 $380
Fingerhut 11/2012 $200 $0 Only reporting to EQ
Loans Date Open Balance Monthly Payment
Santander 01/2012 $17700 $507
Eli Lily Secured 04/2012 $ 0 Paid in full Nov 2012
LA Federal 11/2011 $0 Paid in Full Aprtil 2012
Collection/Negative
Creditor/Collection Deletion Date
NFCU 03/2013
PENTAGON 04/2013
American Honda 05/2013
Pentagon 05/2013
American Honda 06/2013
BOFA 06/2013
Sate Farm 06/2013
LVNV 06/2013
Shell 07/2013
BOFA 09/2013
Chase/Curcit city 09/2013
Walmart 09/2013
Home Depot 10/2013
LVNV 10/2013
Macys 11/2013
Verizon 11/2013
Wells Fargo 11/2013
HSBC 12/2013
JC Penny 12/2013
HSBC 03/2014
Lowes 04/2014
ACC 06/2014 This account is a collection for wells fargo and has been reaged
Bloomys 09/2014
APEX 10/2015
APEX 10/2015
APEX UNKNOWN I this this is a dup account
Time Warner/CPA Deleted from All 3 CRA's
Starting Score: 433I meant to post this in the rebuiling credit section...Can a mod move it for me please.
Thanks
By 10/2015 you should be set!
Keep your head up I have been there and look where I am now almost the 800 club.
My friend you have my support. 
Thanks RonDawg!!!
message Shogun to have it moved
I agree I made it this far 2 more years is around the corner.
I had 2 car loans through Santander, bought out CitiAuto. Refinanced with local bank after I got my scores up a bit, was definitely a win. Good Luck to yours!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Just a piece of advice. I had APEX on my CR too, after paid, I sent them a GW and they took it off. Worth a try, could move that time frame up quite a bit.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Awsome info shotgun....I currently have a dispute regarding the 3 accounts listed with Apex I belive one is a dup account all 3 are medical collections. I have tried to contact the origianl creditor to figure out when the date of service was so I can call my insurance company and make sure they filed a claim...But after I get it worked out I will send a GW or maybe try a PFD.