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Where to start

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RockstarAsh
New Member

Where to start

Hi I'm new to the forum . I'm trying to rebuild my credit . I went crazy when I turned 18 and now I'm stuck with not so good credit. Just don't know where to start.

I have 2 charge offs
Wells Fargo Bank Credit Card $919.00 04/2014
Lobel Financial Car Loan $2916.00 08/2012

In collections
AWA $1792.00 04/2014
Alliance One $130.00 04/2014 Paid in full, disputed and was able to get it removed
Alliance One $300.00 11/2011
Enhanced Recovery Corporation $1601.00 04/2014
Rash Curtis $50.00 03/2014 Paid account in full and disputed and was able to get it removed
Sears/CBNA $0.00 had no knowledge of this account disputed and was able to get it removed

What should i tackle with next ?

Message 1 of 3
2 REPLIES 2
elm84
Contributor

Re: Where to start

Personally I would do the other Alliance One

Gardening what I got til Holiday Season 2014
Hoping for a couple 1k+ cards one day
Capital One Secured 300 | Capital One Platinum 300 | Discover It Secured 200 | First Premier 400 | Finger Hut 500 | Victoria Secret 350 | Express 250 |
Dream Cards | Discover It | Chase Sapphire - Slate - Freedom | Amex Everyday Card

Scores | Starting 09/2013 ~ 574 | Current ~ 600 | Goal ~ 720 |
Message 2 of 3
Shogun
Moderator Emeritus

Re: Where to start

You have a couple of OC's on there that I would work on making payment arrangements with, so as not to gather a CA on these as well.

Starting Score: 504
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.
Message 3 of 3
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