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Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

my rebuild credit card

[ Edited ]

now in my wallet:

1:Unsecured Cap1 750 CL paid on time for 1 year 1/2

2:Unsecured Merrick Bank 750 CL paid on time for 1 year 1/2

3:Kay 400 CL 2 months ( never use)

4:Walmart 600 CL just Approval

5:TJ Max 300 CL just Approval

6: Secured BOA 10 K CL just opend

is this enough to rebuild my credit back?

i have couple collection and couple baddies will fall off 2013 and March 2014

another 3 are: 1 charge off 600+ and 2 collection, 1 collection from charge off. and 1 collection from Verizon 377$(PINNACLE CREDIT SERVICES) they will fall off mid 2015

i can PIF(PFD) for those 2 collection will fall off 2015.But if i want to remove charge off from my credit report. Can i send A GW letter to OC prof what i paid and ask them to remove it. does it work like that?

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: my rebuild credit card

That's plenty of cards for your rebuild.  Now you just need to garden them.  Yes, PFD the CA and GW the OC.

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!
Regular Contributor
Posts: 225
Registered: ‎01-11-2009
0

Re: my rebuild credit card

Keep in mind Kay may close after a year of no use. I had Kay and Jared, (sister stores) and Jared got closed b/c there is no Jared around me. Just buy a token object every 6 months or so and you should be fine.

Highlighted
Established Member
Posts: 14
Registered: ‎10-10-2012
0

Re: my rebuild credit card

[ Edited ]

I don't understand. How long it take to garden them?

 

Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: my rebuild credit card

I just sent all DV to all CO. Now wait for them to respond.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: my rebuild credit card

Just got return with there signature on it.Today 11/07/2012

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
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