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@Anonymous wrote:
I've been paying down on debt since my discharge from the military though I still have some major derogs that are kicking my overall credit profile down. I'd like to have some of my late payments removed though with my disputes I've sent into the bureaus, they contantly reupdate things to "verified" without a full detail of the procedure used to verify the information. I've recently been working with a credit repair agency but I wonder if there is something I can do on my own lilke Goodwill letters on late payments to help out a bit instead of disputing the accounts. Here is a list of my credit profile so far..
14 inquiries
2. MILITARYSTAR - $0 chargeoff
3. NAVY FCU - 4 late payments 2017
4. TOYOTA MTR - From a repo I paid down in full that converted to a paid chargeoff. I get paying it in full doesnt automatically get it off the report though it looks good with paying in full vs settling.. $0 paid chargeoff
5. VERIZON - $0 paid chargeoff
6. OMNI FINANCI - 14 late payments 2017-18
7. DFAS-IN - $1207 Government overpayment - Debt with DFAS. I researched around & found information stating that if the account is paid in full through DFAS they will ask the credit bureaus to remove the account from all CRAs as long as it is still in collections.
EQ: 652 TU:636 EX: 568
You've done well getting all these paid down. A CRC wont be able to get lates removed. Save your money. Check out the GW Tech. thread here>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/td-p/4727098
Although the accounts you listed aren't known to do GW's. Time will be your best friend. If you were deployed and all this happened then maybe it could be accomplished.
Take your $ and place it in a savings account. What cards do you have now? And possibly do you know your FICO scores? If not, join credit check total out for a buck and cancel before the trial ends.Lets see what you got to work with.
@Anonymous wrote:
Equifax score// 652, Transunion score// 636, Experian score// 568
I only have one secured credit card through First Progress with 8 months of on time payments. On credit Karma it says I have 4 inquiries, though the CRC stated I have 14 inquiries over a period of 2 years which began in 2017 (the inquiries) I have 4 inquiries in total according to CK; 3 this yr from a mortgage pre approval application I was not aware they did a hard pull on my credit (those are slated to fall off in 2021) and one is due to fall off before the end of the year
Bingo. I dont trust the CRC's. CK is accurate on inq's. So you see they are playing you to keep you as a customer. You got one card. Try Cap1's prequal site and see what pops up. No QS1! Grab the Plat and you can upgrade in 3 months. Give Disco a shot too on their pre-qual page. Try slowly to get the 3 cards. Spread out the apps if 1 is approved by 3-6 months. Let us know how it went.