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I SPOKE W/ A LENDER AND HE ADVISED I GET A SECURED CREDIT CARD. I CURRENTLY HAVE A SECURED LOAN W/ A LOCAL CREDIT UNION.
BELOW IS A COPY OF MY CREDIT REPORT THAT WAS PULLED BY THE LENDER. THE ONLY DIFFERENCE IS MY CAR LOAN WAS PAID OFF ON JUNE 28...PLS ADVISE
EQ-513 717
TU-555 710
EX-559 605
I have 6 DEROGATORY ACCOUNTS UPDATE: 07/20/2015 3 DEROGATORY ACCOUNTS
ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: MARQUIS APARTMENTS
2.MIDLAND FUNDING: DATE REPORTED 05/15 : DATE OPENED 04/11 :BALANCE $1471 DELETED FROM TU (EARLY EXCLUSION)
ACCOUNT INFORMATION DISPUTED BY CONSUMER; FACTORING COMPANY; ORIGINAL CREDITOR: CHASE BANK USA N.A.
3.ENHANCED RECOVERY: DATE REPORTED 04/15 : DATE OPENED 08/14 : BALANCE $853 DELETED
ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: SPRINT
4.PROFESSIONAL DEBT: DATE REPORTED 05/15 DATE OPENED:11/10 :BALANCE $500 DELETED FROM ALL 3 CB (PFD)
ACCOUNT INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: SURE DEPOSITMARQUIS
5.FIRST PREMIER BANK: DATE REPORTED 03/15: DATE OPENED 12/13 :BALANCE $496
ACCOUNT TRANSFERRED OR SOLD; CHARGED OFF ACCOUNT
UPDATE UPDATE UPDATE!!!! 01/18/2016
TODAY I WAS PRE APPROVED FOR MY DREAM HOME, 7-8 MONTHS AGO I STARTED WORKING ON MY CREDIT
DONT GIVE UP!!!!!!
IT TAKES TIME & PATIENCE
THANKS TO THIS FORUM FOR EDUCATING ME!!!!!!
UPDATE UPDATE UPDATE!!!! 01/18/2016
TODAY I WAS PRE APPROVED FOR MY DREAM HOME, 7-8 MONTHS AGO I STARTED WORKING ON MY CREDIT
DONT GIVE UP!!!!!!
IT TAKES TIME & PATIENCE
THANKS TO THIS FORUM FOR EDUCATING ME!!!!!!
How did you get TU to EE something that was from 2011? Wouldnt 2011 mean the item would fall off from your reports in 2018. I am surprised that you got it and congrats on your new home.
Did you end up putting down 20% or 3.5%?