Here is my work up
I am paying the Macys account off next week.
I have written GW letters to all of the 120+ late Student Loan accounts. (Basically they were accidently left out of a consolidation...)
Sent GW to Toyota asking them to remover 3 (30 day) lates
Paid RJM (CA) for Union Bank last week. Sent Union Bank GW email asking for removal...got email back saying they would investagate and get back to me..that was Monday.
I have 12 inq. (just purchased a car so I was looking for financing).
Any other advice.
Try a credit union secured card after u get utiliztion reporting if no go with credit union last effort first premier you have to give 95 for 300 in CL and its like 75 fee but if u only buy a small item each month and PIF then it will do the job after 7 months reporting good credit go for another secured card or unsecured depending on yopur score they suck FP but if used properly they will get the rebuilding done Then at 13 months b4 new annual fees hit close it
Starting Score: 0
how can I confirm that
Starting Score: 501 EX FAKO4: Credit Inquiries
Here you will find the business names of those who have obtained a copy of your credit report, including lenders, landlords and employers. Remember, inquiries remain on your report for up to 2 years.
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CAP ONE
Business Name CAP ONE
Inquiry Date 9/13/2012
Business Type Bank Credit Cards
No Phone Provided
Mailing Address
O BOX 30281SALT LAKE CITY, UT 84130CBCINNOVIS
Business Name CBCINNOVIS
Inquiry Date 8/28/2012
Business Type Mortgage Reporters
877-237-8317
Mailing Address
O BOX 1667PITTSBURGH, PA 15230CAP ONE
Business Name CAP ONE
Inquiry Date 1/21/2012
Business Type Bank Credit Cards
No Phone Provided
Mailing Address
O BOX 30281SALT LAKE CITY, UT 84130WEBBANK/DFS
Business Name WEBBANK/DFS
Inquiry Date 8/9/2011
Business Type All Banks - non specific
512-723-4755
Mailing Address:1 DELL WAYROUND ROCK, TX 78682
APPLIED BANKCurrent
No Phone Provided
Mailing Address:601 DELAWARE AVEWILMINGTON, DE 19801
Account Name APPLIED BANK
Account #
Account Type Credit Card
Balance $165.00
Date Opened 2/1/2012
Account Status Open
Mo. Payment $35.00
Close Account Details
Past Due
Payment Status Current
High Balance $221.00
Limit $200.00
Terms Revolving
Comments
24-Month Payment History
2010 2011 2012
DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
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