So I wanted to thank everyone on this forum for all of the valuable information. In just a few short weeks I have been able to raise my credit score as well as my husband’s credit score. We are in the process of trying to buy a house and we are both trying to overcome some seriously poor financial decisions in our pasts. Here is what I looked like at the start:
2 student loans in collections totaling $30K.
1 paid charge off with first premier
1 paid judgement with capital one
1 collection account with midland credit for $811
After settling the student loans I was able to get the collection agency/attorney to remove accounts from all 3 bureaus. Due to statute of limitations (reporting) I have been able to get first premier off two of my credit reports (disputing with Equifax).. I am still trying to fight midland because they have refused to validate this debt stating I didn’t request it within the 30 day of their initial communication. I do have 2 new credit cards (with high utilization) and a student loan for $28K In good standing. All in all I have been able to raise my fico score on all 3 bureaus to the mid 600s. I started well under 600..
As for my husband. He started with:
1 judgement from capital one
1 c/o with chase for $2k
1 collection with hsbc for $1060
1 capital one collection $991
1 collection with LVNV for $730
After disputing information with all 3 credit bureaus I have been able to get HSBC, Captial one and LVNV removed from all 3. Chase is now reporting as a paid c/o. His fico scores have jumped to 667 and above as he has no current debt.
Just wanted to share my story as all of your help has been so crucial. A little persistence and some hard work is all it takes! We have a long way to go but we are on the right path..
