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Hello myFICO,
I'm new to contributing to the forum, but have been reading through posts for some time now. I hope this is the correct place to post this, because its mainly about Credit Rehab, but the major problem are the law school loans.
Hear goes....
I have pulled my credit reports from myFICO for both Equifax and TransUnion, and they show some pretty bad negatives on both which I'm going to outline in the next posts by each bureaus (TU/EQ)
stay tuned....
Hi and welcome to the forums.
If you haven't done so already go to annualcreditreport.com and get 1 free report from each CRA. You can get one every 12 months.
Read the stickies in my signature to get good information and learn what abbreviations are used.
When you post a TL, omit any personal information.
As of 3/24/13
TransUnion: 555
Things Hurting FICO
# of Accts - 60 day lates or worse: 10
# of Collections on report: 2
Most recent late payment - 1 month ago
Most recent collection - 11 months ago
Past Due Balance Amt. - $91,194
Collections:
Equifax: 523
Things Hurting FICO
# of accts 60+ days late: 11
# of collections on CR: 1
# of accts w/missed pmts: 11
Short credit hist.
Balances on acts past due: $61826
Collections
After reading through my CRs, I'm starting to realize that, after the rehabilitation, the killers are the "late/missed payments" that date back on a lot of my law school loans, b/c I wasn't aware of how to manage them correctly concerning deferment/forbearance/etc.
What I would like to know is the best way to go about getting those removed from my CR, or the best place to start in cleaning all this up? Would it be to email/snail mail GW letters? Or something else?
Any help getting this all straight would be greatly appreciated. Thanks in advance