topic Re: What should my next steps be?! Need a few points!! in Rebuilding Your Credit

What should my next steps be?! Need a few points!!

Anonymous — Sun, 11 Apr 2021 19:49:32 GMT

I'm trying to gain a few more points to get my middle mortgage score up to 680

Im not sure what I can do if anything to push it up some more.

I've paid for delete on all my collections and they've been removed from experian. Waiting for them to come off transunion. Equifax has removed them as well but I have 2 previous medical collections that are on there. For $182 and $30 I disputed these with TU and EX over a year ago and they were removed. They had been paid before they showed up on my credit. But I didn't have access to dispute with equifax until recently.

The only other bad I have on my credit is a late payment from 1/2020 when my autopay didn't come out correctly with fingerhut and I've had no luck getting them to goodwill it.

And an old Verizon account that's charged off, from 2015. I've heard they won't do PFD so should I leave it alone?

I've had student loans discharged for $4750 which would bring that overall balance down but they haven't updated those to paid! They were discharged in February and haven't updated since January. The ones not paid have updated every month so I don't know how to go about getting those updated correctly and if it would even affect my mortgage scores?

anyone have any tips to bring them up a bit??

they are at 662/647/706

Re: What should my next steps be?! Need a few points!!

gdale6 — Mon, 12 Apr 2021 14:10:09 GMT

@Anonymous wrote:
I'm trying to gain a few more points to get my middle mortgage score up to 680
Im not sure what I can do if anything to push it up some more.
I've paid for delete on all my collections and they've been removed from experian. Waiting for them to come off transunion. Equifax has removed them as well but I have 2 previous medical collections that are on there. For $182 and $30 I disputed these with TU and EX over a year ago and they were removed. They had been paid before they showed up on my credit. But I didn't have access to dispute with equifax until recently.

The only other bad I have on my credit is a late payment from 1/2020 when my autopay didn't come out correctly with fingerhut and I've had no luck getting them to goodwill it.
And an old Verizon account that's charged off, from 2015. I've heard they won't do PFD so should I leave it alone? If its not updating on a regular basis leave it alone. If its updating on a regular basis then settle it

I've had student loans discharged for $4750 which would bring that overall balance down but they haven't updated those to paid! They were discharged in February and haven't updated since January. The ones not paid have updated every month so I don't know how to go about getting those updated correctly and if it would even affect my mortgage scores? Dont know about how it would affect mortgage scores but if these are federally backed loans they were not discharged unless you got a hardship discharge on them. If they were private backed then they have been discharged.

anyone have any tips to bring them up a bit??
they are at 662/647/706

Re: What should my next steps be?! Need a few points!!

Anonymous — Mon, 12 Apr 2021 14:42:11 GMT

@gdale6 wrote:
@Anonymous wrote:
I'm trying to gain a few more points to get my middle mortgage score up to 680
Im not sure what I can do if anything to push it up some more.
I've paid for delete on all my collections and they've been removed from experian. Waiting for them to come off transunion. Equifax has removed them as well but I have 2 previous medical collections that are on there. For $182 and $30 I disputed these with TU and EX over a year ago and they were removed. They had been paid before they showed up on my credit. But I didn't have access to dispute with equifax until recently.

The only other bad I have on my credit is a late payment from 1/2020 when my autopay didn't come out correctly with fingerhut and I've had no luck getting them to goodwill it.
And an old Verizon account that's charged off, from 2015. I've heard they won't do PFD so should I leave it alone? If its not updating on a regular basis leave it alone. If its updating on a regular basis then settle it

I've had student loans discharged for $4750 which would bring that overall balance down but they haven't updated those to paid! They were discharged in February and haven't updated since January. The ones not paid have updated every month so I don't know how to go about getting those updated correctly and if it would even affect my mortgage scores? Dont know about how it would affect mortgage scores but if these are federally backed loans they were not discharged unless you got a hardship discharge on them. If they were private backed then they have been discharged.

anyone have any tips to bring them up a bit??
they are at 662/647/706

The student loans were federal, they were discharged due to covid. Not exactly sure how just got notified that they were and they no longer show under my navient account. It was a nice surprise but they were discharged in February but no update to credit reports yet.

the Verizon seems to be updating regularly, says last updated 3/2021

but I've heard they won't do a PFD? It's slated to fall off 11/2022 and 9/2022 depending on which report is looked at

Re: What should my next steps be?! Need a few points!!

gdale6 — Mon, 12 Apr 2021 14:50:11 GMT

@Anonymous wrote:
@gdale6 wrote:
@Anonymous wrote:
I'm trying to gain a few more points to get my middle mortgage score up to 680
Im not sure what I can do if anything to push it up some more.
I've paid for delete on all my collections and they've been removed from experian. Waiting for them to come off transunion. Equifax has removed them as well but I have 2 previous medical collections that are on there. For $182 and $30 I disputed these with TU and EX over a year ago and they were removed. They had been paid before they showed up on my credit. But I didn't have access to dispute with equifax until recently.

The only other bad I have on my credit is a late payment from 1/2020 when my autopay didn't come out correctly with fingerhut and I've had no luck getting them to goodwill it.
And an old Verizon account that's charged off, from 2015. I've heard they won't do PFD so should I leave it alone? If its not updating on a regular basis leave it alone. If its updating on a regular basis then settle it

I've had student loans discharged for $4750 which would bring that overall balance down but they haven't updated those to paid! They were discharged in February and haven't updated since January. The ones not paid have updated every month so I don't know how to go about getting those updated correctly and if it would even affect my mortgage scores? Dont know about how it would affect mortgage scores but if these are federally backed loans they were not discharged unless you got a hardship discharge on them. If they were private backed then they have been discharged.

anyone have any tips to bring them up a bit??
they are at 662/647/706

The student loans were federal, they were discharged due to covid. Not exactly sure how just got notified that they were and they no longer show under my navient account. It was a nice surprise but they were discharged in February but no update to credit reports yet. Then dispute to get them to 0 balance and IIB

the Verizon seems to be updating regularly, says last updated 3/2021
but I've heard they won't do a PFD? It's slated to fall off 11/2022 and 9/2022 depending on which report is looked at Settle it so it can begin to age back in time.

Re: What should my next steps be?! Need a few points!!

House2021 — Tue, 13 Apr 2021 04:43:48 GMT

Is the Verizon a collection? Is it with ERC? If so you can pay Verizon direct and they will pull the collection which will cause it to be deleted

Re: What should my next steps be?! Need a few points!!

Anonymous — Tue, 13 Apr 2021 09:57:48 GMT

@House2021 wrote:
Is the Verizon a collection? Is it with ERC? If so you can pay Verizon direct and they will pull the collection which will cause it to be deleted

No it's still with Verizon directly

Re: What should my next steps be?! Need a few points!!

OmarGB9 — Tue, 13 Apr 2021 14:09:03 GMT

@House2021 wrote:
Is the Verizon a collection? Is it with ERC? If so you can pay Verizon direct and they will pull the collection which will cause it to be deleted

Not if you don't ask them to recall it FIRST, BEFORE paying them. Otherwise, they would just notify the CA you paid them directly and the CA would just update the collection to paid, but not delete it.

Re: What should my next steps be?! Need a few points!!

Anonymous — Tue, 13 Apr 2021 18:09:00 GMT

@OmarGB9 wrote:
@House2021 wrote:
Is the Verizon a collection? Is it with ERC? If so you can pay Verizon direct and they will pull the collection which will cause it to be deleted
Not if you don't ask them to recall it FIRST, BEFORE paying them. Otherwise, they would just notify the CA you paid them directly and the CA would just update the collection to paid, but not delete it.

It's still with verizon. Do you guys know why the DOFD or the date it should fall off is different on the different reports?
Equifax lists the DOFD as Dec 1, 2015
Transunion says on record until 11/2022

Experian says on record until 09/2022

Re: What should my next steps be?! Need a few points!!

OmarGB9 — Tue, 13 Apr 2021 19:02:25 GMT

@Anonymous wrote:

@OmarGB9 wrote:
@House2021 wrote:
Is the Verizon a collection? Is it with ERC? If so you can pay Verizon direct and they will pull the collection which will cause it to be deleted
Not if you don't ask them to recall it FIRST, BEFORE paying them. Otherwise, they would just notify the CA you paid them directly and the CA would just update the collection to paid, but not delete it.
It's still with verizon. Do you guys know why the DOFD or the date it should fall off is different on the different reports?
Equifax lists the DOFD as Dec 1, 2015
Transunion says on record until 11/2022
Experian says on record until 09/2022

It's because of each bureau's EE policy. Equifax allows one month early exclusion (EE), so 6 years and 11 months from the DOFD is the earliest it can come off.

Transunion lists the correct date it falls off, but you can request EE up to 6 months early.

Experian's EE is one month before the "on record until" date, which already includes an additional 2 months of EE "baked" in.

Re: What should my next steps be?! Need a few points!!

Anonymous — Wed, 14 Apr 2021 12:06:51 GMT

Hello, I am in a similar situation. Please let me know if and when you get something done and can fix this issue. I am in dire need of a few extra points on my score, or I lose my home.

Re: What should my next steps be?! Need a few points!!

Anonymous — Wed, 14 Apr 2021 12:12:28 GMT

@Anonymous wrote:
Hello, I am in a similar situation. Please let me know if and when you get something done and can fix this issue. I am in dire need of a few extra points on my score, or I lose my home.

Do you a small balance on a credit card and all the other at $0? That or if you have any collections search the companies on here and see if any do pay for deletes. That's what brought my credit up the most.

I also saw a few from paying my car past the first 10% so down to 90% owed. I don't know if that situation is normal or not. I can let you know if once my student loan balance drops a bit if that gives my any points as well.