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Been browsing through this forum for a couple of days now. With all the time on my hands I decided to join. Was thinking of going with a credit repair company but from what I see they are all scams.I see that a lot of people are recommending fixing your credit yourself. I have some knowledge of the process but I'm still novice. My current score is a 543. I have six derogatory's with TU, seven with Eqi, And 11 with exp. I have a closed/ charged off account for $300 with Milstone on my CR but was bought by
trident asset management and is on my CR for $740. Double edged sword.
How should I go about getting that deleted? I understand credit repair is marathon not a race just looking on where to start with getting things removed. I have great payment history and working on getting my utilization under 20% on all cards
If you have any collections I would contact the collections agency to see if they are willing to delete it from your credit report for payment. Also paying down your credit cArds would help. Before paying the collections make sure they are reporting the debt properly. If not dispute it.
@Anonymous wrote:Been browsing through this forum for a couple of days now. With all the time on my hands I decided to join. Was thinking of going with a credit repair company but from what I see they are all scams.I see that a lot of people are recommending fixing your credit yourself. I have some knowledge of the process but I'm still novice. My current score is a 543. I have six derogatory's with TU, seven with Eqi, And 11 with exp. I have a closed/ charged off account for $300 with Milstone on my CR but was bought by
trident asset management and is on my CR for $740. Double edged sword.
How should I go about getting that deleted? I understand credit repair is marathon not a race just looking on where to start with getting things removed. I have great payment history and working on getting my utilization under 20% on all cards
Welcome @Anonymous
Rebuilding is a marathone and not a race. Paying debts is a different animal. Please list out your debts as follows:
Creditor/Credit Line/ Balance
Collection Agency/ Amount Owed.
Then we can go from there. Fire away!
Thank you so much FireMedic1 for your prompt response. This is the latest info from my CR pulled 3 days ago. Currently paying my cards down every week. Goal is to get all cards under 10% by memorial day. i appreciate any advice/ feedback you have for me to get me out the 500s
Mission Lane / $750/ $127
Cap1/$300/$220
Fingerhut/$1000/$0
NavyFed / $17000/$17000 *AU Recently Removed Myself due to high utilization had great payment history
GreenDot Secured / $1000/$900
Self Lender Secured / $650 / $250
Citi Secured /$1000/$900
Cred1 /$450/$300
Charged Off
CB Indigo High Balance $618 TU/ $618 EXP / $300 EQ *CL$300 Bal Owed $0
Cap1 HB $954TU/ $0EXP /$954EQ * CL$750 BO $954
Discover It HB $972TU/$0EXP/$272EQ *CL$500 BO $272
TBOM/Milestone HB $740TU/$0EXP/$300EQ *CL$300 BO $0
Collection
Trident Asst $740 /Original CreditorTBOMMilestone
LVNV $915 /Orignal Creditor Cap1
Hi just a question please, how do I add my credi cards and scores under replys or messages just like you here. I've never been able to figure it out. I usually use my mobile. Thank you @FireMedic1
@Anonymous wrote:Thank you so much FireMedic1 for your prompt response. This is the latest info from my CR pulled 3 days ago. Currently paying my cards down every week. Goal is to get all cards under 10% by memorial day. i appreciate any advice/ feedback you have for me to get me out the 500s
GreenDot Secured / $1000/$900
Citi Secured /$1000/$900
Cap1/$300/$220
Cred1 /$450/$300
Fingerhut/$1000/$0
Mission Lane / $750/ $127
Self Lender Secured / $650 / $250
In red these are considered nmaxed out cards and are killing your scores. Get them down below 88.9% ASAP.
Charged Off
CB Indigo
Cap1 $954 If this is the LVNV and Cap1 is showing a balance. Paid them off. They still own it. Then LVNV wont have anything to collect.
Discover It $272
TBOM/Milestone $0
Since Discover is showing a balance. They own it. Pay them before you have annother collection added soon.
Collection
Trident Asst $740 /Original Creditor Milestone Dont know this CA or how they oprate. Appears they own the debt due to the $0 balance above next to Milestone.
LVNV $915 /Orignal Creditor Cap1 LVNV will PFD if settled or owed recently.
Whats the balance on CB Indigo? If there is one, they still own the debt and hasnt been sold yet. I rearrainged who needs attention first and soon. Especially Citi & GreenDot Secured. You have to prove yourself with CiTi that you will use it and pay it each month. Carrying high balances may hold you back on graduating. Thats your training card. If you cant pay it, dont charge it is the mindset in rebuilding. Plus paying interest is like throwing a dollar out your car window every mile on the highway. Your not getting it back.
You'll want cards that have cash back pay you to use their card. Not you paying interest to use them and it takes away from what you earned. There ya go.
@Moni209 wrote:Hi just a question please, how do I add my credi cards and scores under replys or messages just like you here. I've never been able to figure it out. I usually use my mobile. Thank you @FireMedic1
Go to the Smorgasboard Section. Its stickied on top of the page. One for cards. The other for banners.
Thanks for all your help and taking the time out for the advice. I will pay down the utilization ASAP and check back with you with an update. Enjoy the rest of your weekend
@Anonymous wrote:Thanks for all your help and taking the time out for the advice. I will pay down the utilization ASAP and check back with you with an update. Enjoy the rest of your weekend
Excellent @Anonymous Once you get going you'll see improvements and that will make you get it over quicker. Yes please keep us updated on your progress on this thread so it can help others too. Go get em. Nail dem suckers!
@Anonymous wrote:Been browsing through this forum for a couple of days now. With all the time on my hands I decided to join. Was thinking of going with a credit repair company but from what I see they are all scams.I see that a lot of people are recommending fixing your credit yourself. I have some knowledge of the process but I'm still novice. My current score is a 543. I have six derogatory's with TU, seven with Eqi, And 11 with exp. I have a closed/ charged off account for $300 with Milstone on my CR but was bought by
trident asset management and is on my CR for $740. Double edged sword.
How should I go about getting that deleted? I understand credit repair is marathon not a race just looking on where to start with getting things removed. I have great payment history and working on getting my utilization under 20% on all cards
It is important to know what a credit score actually is. It is a numerical value assigned to the data in your credit reports to represent how you have handled various types of credit over time. It is used to determine the risk your credit profile has of default, in order to help lenders make sound lending decisions. At one time, people had to go to a bank and meet face to face with loan officers to receive credit. It was actually better at predicting default than a credit score is. It changed due to several factors, including lawsuits due to discriminating based on racBodye. It was also no longer practical once credit cards entered the scene. Credit repair companies would have you believe it is possible to remove the element of time from that, which you can't. You can use several methods to attempt to remove derogetory data from a report, and of course you can increase scores by having the best credit mix, and perfect payment history. You can also easily increase scores by having low utilization, but not no utilization. Payment history, and length of credit history are both reliant on the passage of time to get very high values for. Time is also involved by the fact that derogetory info on report will