I have been reading these forums for the past two or three months and you all have helped me greatly.
I currently have a credit score of 574 with EX, EQ, and TU. This is an increase from the 515 that I had two months ago. In the past two months, I've paid off all accounts that were in collection and disputed them so that they would post as paid on my credit report. My credit report now shows that I have 0 derogatory accounts and 5 that were derogatory. I reopened three of those accounts after paying them off.
I now need a car. I am a member of a credit union but I am afraid to apply. I've read on some of these forums that credit unions do not care about credit scores just accounts that are in collections. Does anyone think that I could get approved with these scores? I am a recent college graduate and have been employed for the past nine or ten months.
It was extremely difficult being in college without any support and bills to pay. That is how I ruined my credit.