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Need help building credit

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Shogun
Moderator Emeritus

Re: Need help building credit

They stopped updating last year.  How old is it?  Is it past the SOL of your state?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 17
ragensk8r
New Contributor

Re: Need help building credit

Oral Contract: 5 years

Written Contract: 10 years

Promissory Note: 6 years

Open-Ended Accounts: 5 years

Fico 8: EQ 601 | TU 627 | EX 620
Message 12 of 17
ragensk8r
New Contributor

Re: Need help building credit

One more question, if all of my collections are still in SOL is it a bad idea to try PFD or GW letters?

Fico 8: EQ 601 | TU 627 | EX 620
Message 13 of 17
ragensk8r
New Contributor

Re: Need help building credit

Almost all of my collections are medical bills, has anyone had any luck with teh HIPPA method?

Fico 8: EQ 601 | TU 627 | EX 620
Message 14 of 17
Whitneyy
Valued Contributor

Re: Need help building credit


@ragensk8r wrote:

Almost all of my collections are medical bills, has anyone had any luck with teh HIPPA method?


We are not allowed to discuss such method on this board.

GOAL - 700 FICO across the board!
Message 15 of 17
ragensk8r
New Contributor

Re: Need help building credit

I understand, Iwas just curious if anyone has had any luck with it.. I know the process.

Fico 8: EQ 601 | TU 627 | EX 620
Message 16 of 17
Shogun
Moderator Emeritus

Re: Need help building credit


@ragensk8r wrote:

I understand, Iwas just curious if anyone has had any luck with it.. I know the process.


There are several that have had success with that process, and if it works, then I say go for it.  myFICO has no problem with the HIPPA method, but the originator of the process claimed it was property of his and therefore discussion of the topic isn't allowed on the boards.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 17 of 17
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