Hi everyone! 👋
Just want to share where i come from, how im doing and my plans. I currently have 3 collections, 2 charge offs accounts and about 3 inquiries in my credit report. I just started to rebuild my credit and some family members as well. Last week i applied for my jewelers club and a few days ago for new coast direct and got approved for both ( don’t think they will deny anyone unless you have child support).
I sent 2 weeks ago dispute letters to all CB so im waiting in that to drop all those pesky negative ítems. I also started a credit repair business and doing the procedure with a few family members to have some testimonials to go from there.
I once had perfect credit with 20 years old in 2008 with 800 score, my father was killed overseas and i had to go and take care of a lot of things over there, i was destroyed, devastated and thought that because i was here in the US paying attention to stuff that didn’t really matter instead of being with my dad, like i felt should of been with him instead of being here concentrating on credit and business and all of that. He was a congressman in DR with a lot of companies and properties so i was there for a few years after his death organizing everything.
Now in 2019 ive been here since 2015 live with my babys mom and decided to get back on track with finances for the sake of my son and family’s future. Im 32 now but when i had 20 i had everything planned out with businesses I wanted to start like real estate. Now my head is at the same place when i was 20, fix my credit, buy a home asap, lease a vehicle for business, get into real estate buy and hold, do some e-commerce businesses that i love and go hard with everything.
My plan is to get all the negatives deleted and have the MJC and NCD report for a while and when they are the only accounts left on my credit report (the only positives accounts) add 2 AU tradelines with 10-12 years old age.
My question is, how long should i have MJC and NCD assuming they are the only 2 accounts on my report before i can add AU tradelines to be able to get approved for a mortage, the car lease and some high tier credit cards?
Thanks in advance and hope everyone have a positive road to credit recovery.