Hey guys, recently decided to get serious rebuilding my credit.
Here are the following items on my credit reports and steps taken :
Collection accounts:
ENHANCED RECOVERY - TransUnion (DV Letter sent 11/14/2012)
Balance- $1,454
Date Opened- 4/12
EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum)
Balances- $678, $1,518, $378
Date Opened- 8/1/2012
PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balance- $9,016 (Repo Purchase)
Date Opened- 2/1/2012
MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balances- $461, $2,002
Date Opened- 12/1/2012, 11/1/2011
PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balance- $1,405
Date Opened- 12/1/2009
ALLGATE FINANCIAL LLC - Experian (DV Letter sent 11/14/2012)
Balance- $475
Date Opened- 5/1/2009
RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent 11/14/2012)
Balance- $318
Date Opened- 6/1/2008
Charge Offs:
FIRST PREMIER BANK (623 Letter sent 11/14/2012)
Balances- $469, $518
Date Opened- 8/1/2009, 1/1/2009
A - L FINANCIAL CORP (Auto Loan) - Experian (623 Letter sent 11/14/2012)
Balances- $9,016
Date Opened- 2/1/2009
DSNB MACYS (623 Letter sent 11/14/2012)
Balance- $319
Date Opened-1/1/2007
CAP ONE
Balance- $0
Date Opened-10/1/2006
Current Accounts:
CAPITAL BANK (Open Sky Secured CC)
Balance- $282/300 (Never Late) WIll pay down $250 by next week to help util before statement cuts on 12/3
Date Opened-8/1/2012
First Tech Federal Credit Union (Secured Personal Loan)
Balance- $1000
Date Opened- 3 days ago (11/12/2012)
Payments: $29/mo over 36 months
Interest Rate: 3.1% (Only $49 interest over 3 years if i end up making minimum payments)
Applied Bank Secured Credit Card
Balance- $0/$200
Date Opened- 3 days ago (11/12/2012)
Credit Scores (FAKO)
Experian- 513
Equifax- 517
TransUnion- 541
Im thinking about sending a letter to Experian regarding the A-L financial listing as i disputed it a couple years ago, was removed and came back to my report but never receieved notice from Experian. Also CA is reporting the balance as well as OC.
All charge offs have been disputed with CB and came back verified. All collections have been disputed with CB and came back verified except (EOS, havent disputed yet hope I can get them to remove directly if not I will dispute with the credit bureaus)
Need advice how to pay off loan for optimum score results. I could technically pay $100/mo towards the loan only reason i opened it was to add an installment loan to my credit portfolio. Interest isnt an issue so i could technically drag it out the full term. What do you guys suggest?
Any advice, tips, best practices?
Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012Inquiries:
Equifax- 23
Experian- 30
TransUnion- 25
I know the inquiries are horrible, i was recently car shopping so ran my credit a lot, as well as tried to get the bottom of the barrell credit cards with no luck (obviously). Also AL financial seems to be pulling my credit report once or twice a year.
Im gonna make sure not to take any more hits
Sounds good thank you for the feedback, looks like ill go after first premier which im sure will either ignore DV or validate. Looks like ill just be able to get lowe util % out of paying those off...
then attack smaller CA and hope I can somehow get the larger ones off via DV, CRA disputes
gonna be a long road 
madmann26 wrote:
Start with the CC chargeoffs. These are factored into utilization.
For the lower balance CA...DV th first. If they validate.....then see if they will settle for less amd delete the CA.
UPDATE!!!!!
Sent DV to EOS YESTERDAY to contacts that have been floating around this board, and woke up to some great news! Received email that all 3 accounts were being deleted from CRA!!!!!!!! I was so excited I didnt even hit the snooze button 3 times like normal LOL!!!
THANK YOU nfrederick for the contacts
& THANK YOU rckstrscott even though I didnt receive the contacts from you seems like youre the initial person that gave these contacts out!!
Cheers!!
Collection accounts:
ENHANCED RECOVERY - TransUnion (DV Letter sent 11/14/2012)
Balance- $1,454
Date Opened- 4/12
EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum)
Balances- $678, $1,518, $378
Date Opened- 8/1/2012
Receieved email on 11/16/2012 stating they were pulling ALL 3 accounts they had on my report!!! Im so excited thanks to these boards!!!
PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balance- $9,016 (Repo Purchase)
Date Opened- 2/1/2012
MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balances- $461, $2,002
Date Opened- 12/1/2012, 11/1/2011
PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent 11/14/2012)
Balance- $1,405
Date Opened- 12/1/2009
ALLGATE FINANCIAL LLC - Experian (DV Letter sent 11/14/2012)
Balance- $475
Date Opened- 5/1/2009
RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent 11/14/2012)
Balance- $318
Date Opened- 6/1/2008
Charge Offs:
FIRST PREMIER BANK (623 Letter sent 11/14/2012)
Balances- $469, $518
Date Opened- 8/1/2009, 1/1/2009
A - L FINANCIAL CORP (Auto Loan) - Experian (623 Letter sent 11/14/2012)
Balances- $9,016
Date Opened- 2/1/2009
DSNB MACYS (623 Letter sent 11/14/2012)
Balance- $319
Date Opened-1/1/2007
CAP ONE
Balance- $0
Date Opened-10/1/2006
Current Accounts:
CAPITAL BANK (Open Sky Secured CC)
Balance- $282/300 (Never Late) WIll pay down $250 by next week to help util before statement cuts on 12/3
Date Opened-8/1/2012
First Tech Federal Credit Union (Secured Personal Loan)
Balance- $1000
Date Opened- 3 days ago (11/12/2012)
Payments: $29/mo over 36 months
Interest Rate: 3.1% (Only $49 interest over 3 years if i end up making minimum payments)
Applied Bank Secured Credit Card
Balance- $0/$200
Date Opened- 3 days ago (11/12/2012)
Credit Scores (FAKO)
Experian- 513
Equifax- 517
TransUnion- 541
Sent out experian disputes today via cmrrr using jack attack method.
If they come back verified hopefully I can use whatever I get back from CA (if they even respond) for my second round of disputes. If exp fails to investigate (I've disputed early this year) I will BBB them to force them to investigate.
Hope it works will keep u guys posted. Excited to see what my score looks like once the 3 CA drop off my report an once my $3 balance on credit card reports!
