First, I would like to say I am very interested in seeing the recon message. I have rode a rollercoaster of good bad good bad in the past 25 years. Filed chp 7bankruptcy in 10/12 and discharged 1/13. Good credit for 2 yrs afterwards. I have a repo car lease that should have been for rest of lease $8k but b-m-w charged off full amount and fee 38k. I went into depression due to multiple deaths and also became victim fraud accounts ( 2 yrs since delinq reported ..cap1 to the tune of $14k and synch bank $9k. These a reporting closed charges with balances and collections with midlnd with same balance ) during this time to complicate (someone in my building because my address was used- fraud mention above) . I recently attempted to rebuild and established car loan(1yr), card within the past 4 month- Fingerhut ($600), milestone ($300) and an installment loan for 1000($600 balance). I also have 2 student loan balances totaling under 3k (15yr) . I have grown that credit and have NFCU checking , savings, money market, pledge loan ($100 left to pay off), a secured card $500 (opened 5/1 had 375 balance now 100) and was declined a cash reward a week ago. I am ever so grateful for the NFCU secured card however I would glad to get foot in door with NFCU unsecured even if just $500-1000 SL. My scores are 550TU 551EQ 573EX I would like to recon but looking for guidance on that by maybe using some of your recon verbiage as well as how to clean things up and build more. What I can do to raise scores and/or eliminate some the baddies. If theres a credit repair company can work miracle with elimination and trade lines,etc.
