Cant figure this out. I have read on here for months and researched alot but for some reason cant seem to get our scores any higher or get any other credit. How do you all do it? Our BK was done August of 2000 and we can not get anything. I have brought out scores up to mid 600's and high 500's but still cant get any thing. Could some one help me out with this. I will list our report below.
Me
BK Aug 2000
Judgement Sept 2002 (Equifax only) others deleted
Presideo Charge off 1115.00 (disputed 2 times and just sent DV 10/19/2007)
Alltel Not mine disputed and DV on 10/19/2007 (they said they bought an account from
Midwest wireless that was paid and deleted before they purchased it.
Medical bills Collection acconts (2) disputed as 1 never got a bill and the other have a letter my
ballance is -0-
Ameicredit Charge off as of Feb 05 but should be listed as Oct of 2004
Coll Bureau Collection was paid and have a delete letter not sure why they wont delete
FCNB (2X's) Charge off same account listed twice and due to fall off in June of 2008
Good stuff:
Imagine 300.00 limit never late
Continental 400.00 limit never late
Reginal Auto never late
Ford Motor Closed Unrated
State Bank Closed Paid Never late
FCNB Closed Paid / Paying as agreed
Hubby:
Americredit Charge off as of Feb 05 same as above
WAMU Charge off (bought out Providian account)
LVNV funding Collection (on Above account) Sent DV letter on 10/19/2007
Good Stuff:
Imagine 400.00 limit never late
Lowes 725.00 limit never late
Reginal Auto never late
Ford Motor Closed unrated
State Bank Closed never late
FCNB Closed Paid / Paying as agreed
Sorry this is so long. but can anyone help us to build up and get higher limit cards. I can tell you what our scores were about a month ago but not lately cant afford to pay for all 6 right now.
His TU 689 EXP 649 EQ 600(now)
Mine TU 679 EXP 638 EQ 599(now)
got our EQ from our banker that is who they pull but he could not help us right now due to credit issues he said.
thanks,
Debbie 