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Im a college student. Currently looking to repair my credit.
2 Collections, currently in the midst of disputing
As far as Credit inquiries, how can I get if not all, some removed?
There were 2 credit cards that closed and were charged off, can these be disputed?
Last thing, my Auto Loan updated today (as of Nov 1st) stating i have a late payment from MAY of this year, is this usual?
Appreciate any extra tips you may have for me. Currently a 510 Fico. Need some good rebuilding secured cards as well.
First off Congrats on wanting to take the right steps early I really wish I did this or even thought about this when I was in College.....the Collections will DEFINITELY improve your score a big chunk once removed...Inquiries will have a less affect over time so don't sweat those once it hits one year it will be less but 2 year mark they will be removed so I wouldn't worry about those ....Why were the CC's removed/charged off?! It is possible to dispute them but more info would help as to which way would be better for those.... I have seen late's show up later BUT if you believe it wasn't late payment in April (that would report in May) then you could see about disputing that too as late payments stay I believe 7 years so that would be worth looking into. Was it a 30 day, 60 day or more?!
If you have a CU I would see about doing a small secured loan or maybe a secured card with your bank to start you out just be sure you can graduate it at the year mark that will help you to build faster too Do you have any current open Cards?! Or just your Car and the negatives you mentioned?
The cards read as the following .
Charged off as bad debt
Profit and loss write-off
Second : Charged off as bad debt
Purchased by another lender
The second one was actually fraud. I got the collections moved a few months ago .
Thanks for the advice!
Also no open cards. Is OpenSky good?
Thank you!
@CollegeStudent2 wrote:Also no open cards. Is OpenSky good?
Open Sky is a good starter card. Plus there'smno HP to get it.
Little hint:If you want to answer a poster directly. Click on reply to the poster youwant to answer. Then click "quote" Type your post and then click "post" Good Luck!
@FireMedic1 wrote:
@CollegeStudent2 wrote:Also no open cards. Is OpenSky good?
Open Sky is a good starter card. Plus there'smno HP to get it.
Little hint:If you want to answer a poster directly. Click on reply to the poster youwant to answer. Then click "quote" Type your post and then click "post" Good Luck!
Thanks!!! Any Extra advice you may have? I appreciate this community!
@CollegeStudent2 wrote:Im a college student. Currently looking to repair my credit.
2 Collections, currently in the midst of disputing Please list who the CA's are.
As far as Credit inquiries, how can I get if not all, some removed? This wont happen. They fall off FICO after 1 yr anyways
There were 2 credit cards that closed and were charged off, can these be disputed? Nope
Last thing, my Auto Loan updated today (as of Nov 1st) stating i have a late payment from MAY of this year, is this usual?
Appreciate any extra tips you may have for me. Currently a 510 Fico. Need some good rebuilding secured cards as well.
You'll need to get the baddies taken care of so they quit updating and can fall off in time. You could try the Cap1 prequal. If they werent one of them that were CO'ed. Grab the Plat if it shows up. No QS1. Main thing. Dont ever dispute accurate info on your reports. It will update and cost you more points. Dont poke the bear.
@FireMedic1 wrote:
@CollegeStudent2 wrote:Im a college student. Currently looking to repair my credit.
2 Collections, currently in the midst of disputing Please list who the CA's are.
As far as Credit inquiries, how can I get if not all, some removed? This wont happen. They fall off FICO after 1 yr anyways
There were 2 credit cards that closed and were charged off, can these be disputed? Nope
Last thing, my Auto Loan updated today (as of Nov 1st) stating i have a late payment from MAY of this year, is this usual?
Appreciate any extra tips you may have for me. Currently a 510 Fico. Need some good rebuilding secured cards as well.
You'll need to get the baddies taken care of so they quit updating and can fall off in time. You could try the Cap1 prequal. If they werent one of them that were CO'ed. Grab the Plat if it shows up. No QS1. Main thing. Dont ever dispute accurate info on your reports. It will update and cost you more points. Dont poke the bear.
How do i go about getting them updated? Ill list their current status.
SOURCE RECEIVABLES MANAG- Sprint
CREDIT PROTECTION- Media Com
Does appling with a co applicant help? For future reference