Starting Score: 498
Hello,
I am brand new to this website, but have been working on my credit since May. I have sent out DV letters to all on my CR. Some I have got back, some return to sender, and some removed! I am proud to say that this has caused my one score to be up over 600, but not the other two. Which frustrates me no end! I am not sure what I have to do to get that stuff off them. For instance, LVNV after sending them a letter, I noticed that on two of my reports they changed it from open/revolving account to collector. That caused my credit to jump up, but on the one they didn't change it is a very low 500. Any suggestions on how to take care of that? I never really cared about my credit, not that I didn't care, but I wasn't applying for anything so out of sight , out of mind kind of thing. Now I care..
So any help anyone is willing to send my way I would appreciate it and please try to not get annoyed with all the questions. There will be a lot because I feel sort of lost after sending out the letters. I will start with one collecter at a time..
Hi All,
New here! I'm looking to build a home next summer, and was well aware my credit isn't up to snuff. I have multiple debts that I haven't paid on since 2008, as well as some unpaid medical bills. I paid off several yesterday, and over the next couple of weeks will pay off the remaining. Then I plan to send GW letters. Also, since I have no credit cards, yesterday I opened up a secured card with Wells Fargo for $1000. Hoping these actions will help. My auto loan is paid off, and I have no other current debts, just the old delinquencies. I'm a single mom with young twins and no support, so I'd really be proud to be in our own home next year :-)
Starting Score: EQ 584(7/20/12)/ EX 597 (7/20/12)/ TU 632 (7/20/12)
UPDATE: Im on the road to recovering from my credit mistakes. I have gotten two items from LVNV removed and a medical collections removed. I'm working on getting some other items either removed or sending PIF Letters with removals. I was able to get a carloan from Americredit not the best interest rate but a better rate than I was able to get back in 2006. I got a rate of 14.5%/72month loan/$22,000 principal. I had to put $1000 down. Monthly payment of $464.25 I'm going to pay on this loan for a year paying more than required and get this loan refinanced with Navy FCU. My credit took a ding because of all the inquires with dealerships to get a car loan with the best rate. These should go away next month and my score will hopefully raise. Still working towards my goal of buying a home at the end of 2013.
@Shannonsto: I am also a single mom to 2 year old twins. So I know how tough it is and how important it is to improve your credit with little income! We can do it!!! 
UPDATE:
just ran "debt reduction planner" on quicken. i am adding $100 per month to what i'm already paying, in an effort to pay off my debt more quickly. if i follow this "roll-down" plan, i should be debt-free (except mortgage) by September 2013!!! YAY!
i got a secured capital one card (limit $200), first cycle due august 19th. i hope this will help my score - it hasn't budged for a while.
patience patience patience!
Soooo flippin' excited...cannot thanks the Fico boards enough for all the great info on here....
My Story?? short version...file Chap 7 March 8, 2012...discharge June 18, 2012
Kept our loan for '08 Dodge Grand Caravan and CC through our CU only
Was super depressed thinking we would be stuck at the bottom forever....BUT
approved yesterday for a Maurices card--CL $250 (unsecured, no fees....it's a start) and hubby approved for Cap1 Cash Rewards (unsecured $300 CL)
There really is life.....and only 35 days post bankruptcy!!! Woot Woot..Climbing to the top someday!!!!
Current Score: TU-617 Equifax-606 Experian Plus 569
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