Help Me rebuild my Credit!

Anonymous — Wed, 17 Sep 2008 11:44:33 GMT

Ok I'm trying to rebuild my credit this is what I have.

TOTAL ACCOUNTS: 18 OPEN ACCOUNTS: 5 CLOSED ACCOUNTS: 13 DELINQUENT: 1 DEROGATORY: 7 BALANCES: 21411 PAYMENTS: 128 PUBLIC RECORDS: 1 INQUIRIES (2 years):

Keep in mind that I have a student loan so that is why my balances are so high. C/C debit is only about 7-8k. What can I do for the derogatorys and closed accounts?

Re: Help Me rebuild my Credit!

Anonymous — Wed, 17 Sep 2008 12:57:02 GMT

I would advise to make a spreadsheet with all of your accounts-

Create a plan to pay off revolving debt

Attack the derog items- starting with the biggest, baddest ones and the most recent ones, focus on one at a time.

Work back in time one derog at a time-

This will give you the best FICO results- and hlp keep you motovated and keep you from becoming overwelmed.

Other advice:

When disputing know the Best and worse posible outcomes - you should know what the results should be prior to disputing.

Save "low hanging fruit" for after the repair is completed.

Be aware of anything that is not reporting- as when your scores start going up colletions come out of the closet.

topic Re: Help Me rebuild my Credit! in Rebuilding Your Credit

Help Me rebuild my Credit!

Re: Help Me rebuild my Credit!