Im new to the board and just learned about the process of possibly deleting/removing negatives off of my report. I just pulled all three CRA to compare my items. So far there is not a lot of work to do on my report, but the steps to repair them are a little overwhelming to the point where I'm considering a credit repair agency. But after hearing some horror stories and reading a few forums on here where people like me have improved their scores themselves; I decided to give it a try. Starting Monday, I will work on tackling those negative items with the CRA/CA with letters and calls.
My goal, for 2013, is to have a 720 across the board, buy my first home within the next 8 months, and refinance my car.
Starting Score: 542(EX)573(EQ)581(TU)