Help Me rebuild my Credit!

[Anonymous]

Ok I'm trying to rebuild my credit this is what I have.

TOTAL ACCOUNTS: 18 OPEN ACCOUNTS: 5     CLOSED ACCOUNTS: 13     DELINQUENT: 1     DEROGATORY: 7     BALANCES: 21411     PAYMENTS: 128     PUBLIC RECORDS: 1     INQUIRIES (2 years):

2

   

Keep in mind that I have a student loan so that is why my balances are so high. C/C debit is only about 7-8k. What can I do for the derogatorys and closed accounts?

[Anonymous]

I would advise to make a spreadsheet with all of your accounts-

Create a plan to pay off revolving debt

Attack the derog items- starting with the biggest, baddest ones and the most recent ones, focus on one at a time.

Work back in time one derog at a time-

This will give you the best FICO results- and hlp keep you motovated and keep you from becoming overwelmed.

Other advice:

When disputing know the Best and worse posible outcomes - you should know what the results should be prior to disputing.

Save "low hanging fruit" for after the repair is completed.

Be aware of anything that is not reporting- as when your scores start going up colletions come out of the closet.