https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/123999#M63918 <DIV></DIV><DIV>...</DIV><BR /><BR />Message Edited by MagMell on <SPAN class="date_text">01-01-2008</SPAN> <SPAN class="time_text">07:26 AM</SPAN> Tue, 01 Jan 2008 15:26:46 GMT 2012Repair 2008-01-01T15:26:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/123999#M63918 <DIV></DIV><DIV>...</DIV><BR /><BR />Message Edited by MagMell on <SPAN class="date_text">01-01-2008</SPAN> <SPAN class="time_text">07:26 AM</SPAN> Tue, 01 Jan 2008 15:26:46 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/123999#M63918 2012Repair 2008-01-01T15:26:46Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124052#M63942 Hi, MagMell, welcome to the forums! Can you post the info on all three of your reports here? Not a gi-normous copy/ paste, lol, but a summary of what accounts are listed, their dates, their credit lines, balances if any, and any derogatory information. If some are on one report but not another, please note that too. If you're able to clump them by credit types (all revolving together, all installment together, and so forth), that would help.<BR /><BR />As Brammy (another mod) says, starting to fix your credit is like eating an elephant with a spoon. Just one bite at a time! I hope that with the info that you post, we can help you figure out where to start chewing.<BR /><BR />Not many of us are stirring yet this New Year's morning, but traffic should pick up through the day, at any rate between the bowl games. <img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /> Tue, 01 Jan 2008 15:11:00 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124052#M63942 haulingthescoreup 2008-01-01T15:11:00Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124080#M63954 <DIV></DIV><DIV><BR /><BLOCKQUOTE><DIV><HR />MagMell wrote:<BR /><DIV></DIV><DIV>...</DIV><BR /><HR /></DIV></BLOCKQUOTE><BR /><DIV>Looks clean to me.<img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Seriously though, posting in segments gives everyone a chance to answer thoroughly.</DIV></DIV> Tue, 01 Jan 2008 16:15:27 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124080#M63954 llecs 2008-01-01T16:15:27Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124082#M63956 Sorry, didn't mean to alarm! <img id="smileysurprised" class="emoticon emoticon-smileysurprised" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-surprised.gif" alt="Smiley Surprised" title="Smiley Surprised" /> If you change your mind, you'll be welcome back here. Good luck Tue, 01 Jan 2008 16:16:51 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124082#M63956 haulingthescoreup 2008-01-01T16:16:51Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124119#M63974 <DIV>No alarm hauling and others.&nbsp; I had deleted the content and composed a new post to you...but was distracted (telephone calls) and then whamo, I return to the topic only to find everything I typed was wiped out (timed out).&nbsp; Bugger.</DIV><DIV>&nbsp;</DIV><DIV>Anyway,&nbsp;I need to head out...but will re-compose that lost post to you.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>Thank you both for the reply.</DIV><DIV>&nbsp;</DIV><DIV>Happy New Year to all.</DIV><DIV>&nbsp;</DIV><DIV><img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />&nbsp; Enjoy.</DIV> Tue, 01 Jan 2008 17:24:42 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124119#M63974 2012Repair 2008-01-01T17:24:42Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124333#M64075 <DIV></DIV><DIV></DIV><DIV></DIV><DIV></DIV><DIV></DIV><DIV>....</DIV><BR /><BR />Message Edited by MagMell on <SPAN class="date_text">01-03-2008</SPAN> <SPAN class="time_text">09:01 AM</SPAN> Thu, 03 Jan 2008 17:01:01 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie-here-and-just-received-my-credit-report/m-p/124333#M64075 2012Repair 2008-01-03T17:01:01Z