After a year of fixing my creidt, I can say its finally on auto pilot for what I can do.
Yesterday my Experian went up a couple points and today Equifax went up a couple. I even had a Transunion increase by 4 points too the last couple days...and nothing major changed, just keeping everything steady.
This time last year my credit report looked like a bomb went off, but I took one bite at a time, never gave up. At first I didn't know what the hell I was doing, and had to learn the tricks of the trade. Now Iook back and realized how easy it was!! Today a much much more clean report.
Two issues I am still having:
Transunion doesn't list my credit card as a credit card. Experian and Equifax does. How do I correct this with transunion. This is why my TU score is lower then EQ and EX. Would applying for a new card while shopping for a HELOC effect a HELOC approval?
Cap1 CO: Its been over 2 years since the CO and I paid it in full. I want this off for the DEROG, 2 letters to the CEO didnt work, 3rd may be the charm.
@MrTom wrote:After a year of fixing my creidt, I can say its finally on auto pilot for what I can do.
Yesterday my Experian went up a couple points and today Equifax went up a couple. I even had a Transunion increase by 4 points too the last couple days...and nothing major changed, just keeping everything steady.
This time last year my credit report looked like a bomb went off, but I took one bite at a time, never gave up. At first I didn't know what the hell I was doing, and had to learn the tricks of the trade. Now Iook back and realized how easy it was!! Today a much much more clean report.
Two issues I am still having:
Transunion doesn't list my credit card as a credit card. Experian and Equifax does. How do I correct this with transunion. This is why my TU score is lower then EQ and EX. Would applying for a new card while shopping for a HELOC effect a HELOC approval?
Cap1 CO: Its been over 2 years since the CO and I paid it in full. I want this off for the DEROG, 2 letters to the CEO didnt work, 3rd may be the charm.
I dont understand what you mean that TU doesnt list a CC as a CC, what is it saying? If trying to get a HELOC I would not be obtaining other lines of credit. As far as the Cap-1 CO the older it is the better GW is usually easier to get from them in the 6th year of reporting all you can do its put them on a schedule of no more than once a month for a GW letter until you get what you want or it drops from age.
