hello and thanks for reading this. a little about my situation. I had bad credit habits back in 2000-2002 including a repo and a charge off capitol one card and a couple of collections for hospital bills. also have a student loan charge off from a technical school but it is only showing on trans union. I have paid off all the hospital bills and had them removed. as for current info here is whats there.
FAKO'S TU 597 pulled by CK EX 683 pulled by CS EQ 653 pulled by FRSC
just used usaa 8/17/2012 TU 563 EQ 9002 EX 9002
inquiries TU=7 EQ=3 EX=7
average age of credit lines 2y 9m on TU
student loan 3400.00 paid as agreed no lates
student loan 6200.00 paid as agreed no lates
student loan 2700.00 paid as agreed no lates
student loan 3800.00 paid as agreed no lates
student loan 3200.00 charged off date of first del. sept. 2006 falls off 10/2013
I was just approved for capitol one unsecured card 500cl it hasn't shown up on any report yet. cap one live support said yesterday that they inform cra's 30 days after they generate 1st bill. would be 8/21
i wanted to wait to pull my real ficos from here on wed. of next week just to give cap one time to show up. i was thinking about using score watch to see experian and just buying my Trans union from here. is that my best option i don't want to get another inq. by going to a mortgage lender. After getting my real ficos what do i do next. I have been working on rebuilding my credit for 2 years now and i'm not sure what to do next i'm shooting for 720 for all 3 reports. thanks again for reading all that any help i can get will be appreciated if there is any other info needed i can add it
Starting Score: TU 583, EX 683, EQ 653
Do you have any lates still reporting or collections or repos still reporting, by the soumnd of the dates that you gave they shouldbe close to fdropping off what is exactly on report as of today and when are they estimated to stay on til?
Starting Score: 0no repo showing and the only lates are for technical school 1 account and its scheduled to fall off nov 2013 and i have been desputing it in writing to TU. they updated it last month after a dispute i filed just sent another dispute letter last week. as for information provided above that is todays current information
Try GW to OC also get one more card fico likes to see two and maybe a creditbuilder loan if you can swing it other than that pay off those loans asap if feasible oh and if you have a relative or friend thaT has a cc with a decent length and good history ask if you can be put on as AU
with the gw letter i know that the technical school will not remove the 14 late paymens its showing as a charged off account . dont have any relitives with accounts they will add me to. as far as getting another credit card im not sure witch one to apply to. i dont want another inquirey just to be turned down. thanks for the info