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Credit repair

babygirl1256
Valued Contributor

Re: Credit repair

@davidsmithsc712 Do not spend any additional funds . . . you can resolve these issues with assistance from this forum as that's exactly what I have done since 2019. Which CRA is the adverse trade line reflected on? My recommendation would be for you to contact the Executive Office of the CRA that reporting the adverse information. I'm hoping that you receive the desired results from the CRAs.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 11 of 14
babygirl1256
Valued Contributor

Re: Credit repair

@Nikita2008 I totally agree . . . never used them at all. @davidsmithsc712 I would deal directly with the CRAs and the CAs for resolution. 

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 12 of 14
Cass2387
Established Member

Re: Credit repair

You can do it yourself, save the money! This forum is all you need.

Message 13 of 14
House2021
Frequent Contributor

Re: Credit repair

I'd promptly file complaints with the CFPB and the BBB, I did that and got over $49,000 in debts deleted within weeks, it causes the right people to receive the I formation to review. Complain about the creditors as well as the credit reporting bureaus, attach any proof that you have. 

Message 14 of 14
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