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Scores moving a little bit

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Valued Member

Scores moving a little bit

Hello to all out there,
I've been working on my credit a little in the past weeks.  I've been taking things pretty slow due to I just started a new job. I'm now in administration so that has been taking quite a bit of my time. I still want my new house, but it seems so far away that I just feel like saying why bother with the credit thing. I also became a little discouraged when my sister in law worked very hard to clear some things up and improved her scores enough to apply, but by the time they found the house and went to closing many of the things had reappeared. They are still renting and very devastated.
 
I am not giving up, but have also prepared myself to stay in the modest modular home that I am buying. (I hate this small cramped double wide upgade) I do have some good news my scores have moved a little bit not enough. I have GW and PFD some with only one response will settle that this week. I've opened a CJ account got a few points. I also cleared up some SL lates who are reporting now pay as agree never late on 3 accounts. Some how they didnt change one it is still reporting 150+ days late. I sent a copy of deferrement letter to EQ and EX hopefully they will change status soon. What else can I do, to improve these scores in a hurry? any suggestions please!!!!!
 
Thank you,
Desparate 4 my house
 
My scores myfico 6/08 EQ 400           myfico 7/08 EQ 461
                                      EX  457                               EX  511
                                      TU 474                                 TU  480 (investigation not complete request ID)


Message Edited by looking4help on 07-22-2008 03:12 PM

Message Edited by looking4help on 07-22-2008 03:15 PM
Message 1 of 5
4 REPLIES 4
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Moderator Emeritus

Re: Scores moving a little bit

What baddies do you have on your report? Who is reporting them?
 
Send GW letters for lates and paid collections.
 
DV unpaid collections and then PFD them.
 
 
Also, what positive accounts do you have? What is your current util?


Message Edited by sidewinder on 07-22-2008 03:22 PM
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Message 2 of 5
Highlighted
Established Contributor

Re: Scores moving a little bit

Please don't give up.  This is not a short process.  It takes time and lots of patience.  The one thing I would encourage you to do is print out the FCRA and the FDCPA and review it.  This helped me tremendously.
 
Second, read through some of the FTC opinion letters that are on the FTC site.  This is invaluable information.
 
Finally, read as much as you can on this forum.  The folk on here are very helpful and they have been where you and I are now.  They truly want to see us succeed.  Ask questions, search the forum threads when you're unsure.
 
As for your sister, there's a statute that governs re-insertion of previously deleted items.  They should have notified priorto the reinsertion.  I believe they were supposed to notify her 5 days before re-insertion.  If she's got her old reports and can show that they had been deleted she may be able to fight some of the re-insertions.  However, she's going to have to read and learn to make it happen.
 
Good luck to you.  We're all here for you, even us just getting started with you.
Message 3 of 5
Valued Member

Re: Scores moving a little bit

Hi Sidewinder,
My UTIL according to myfico on the EQ is 127%. I don,t know how all this works because I really don't have that many open TL's unless they calculate the closed accounts to with a balance. Here are my accounts I'll try to name them all as you know some accounts are not on all CRA.
 
Acct: EMC mortgaage
Condition: Open
balance: 48489.00
Type: Conventional Mortgage
Pay Status: current
Past due: 0
high Balance: 50250.00
payment: 625.00
Opened: 12/2000
Two year Payment His.  30 days late 3/08, 7/07, 7/06
 
Acct : crowne Jewelr
Condition: open
balance: 0
Type: Charge Account
Pay status: Current
Past due: 0
high Balance: 50.00
Limit: 2500.00
opened: 6/2008
two year payment His. ok
 
Acct: WAMU
Condition: Derogatory
Balance: 0
pay status: Collection/Charge off
Limit: 2000.00
payment: 1941.00
opened 4/2007
reported 4/2008
responsibility Authorized user (disputed not mines EX's still under investigation)
 
Acct: HSBC Bank
Condition: Derogatory
Balance : 513.00
pay status: collection/charge off
past due: 22.00
limit: 0
opened: 3/2007
responsibility Authorized user (disputed not mines EX's still under investigation)
 
Acct: GSFASERVIC
Condition: open
balance: 630.00
type: educational
pay status: Current
past due: 0
High balance: 1520.00
payment: 50.00
opened: 11/2006
two year payment his.: ok never late
 
Acct: Citibank
Condition: open
balance: 2147.00
type: educational
pay status: current
past due 0
high balance: 2000.00
payment: 24.00
opened: 8/2006
two year payment hist.: ok never late
 
Acct: Citibank
Condition open
balance: 5521.00
type: educational
pay status: Current
past due: 0
High balance: 5500.00
payment: 63.00
opened: 8/2006
two year payment his. 30 days X1 60 days x1 90 days x 120 days x2 all this year starting in JAN.
(under dispute was in deferrment since 12/07 sent copy of letter to CRA's they corrected 2 but left this one with all these late marks)
 
Acct: Citibank
conditionSmiley Surprisedpened
balance:3514.00
type: educational
pay status: current
past due: 0
high balance; 3500.00
payment: 41.00
opened: 5/2006
two year payment his. : ok never late
 
Acct: TRS INC
condition: Closed (Paid)
balance: 0
Type:  rental Agreement
pay status: current
High balance 1545.00
opened: 7/2005
two year payment his. : ok never late
 
Acct: TRS INC
condition: closed (paid)
balance: 0
Type: rental Agreement
pay Status: Current
High Balance: 1754.00
opened: 7/2005
two year his.: ok never late
 
Acct.: TRS INC
condition: Closed (paid)
balance:0
Type Rental Agreement
Pay Status: Current
High balance: 1458.00
Opened: 7/2005
two year hist. ok never late
 
Acct.: Medical debt
condition: deragatory
Balance:100.00
type: Medical debt
past status: 120 days
past due: 100.00
high balance: 873.00
open: 10/2003
 
Acct.: Friedman's
Condition: deragatory
Balance: 0
Pay Status: Collection/charge off
high balance: 1023.00
opened: 3/2003
two year hist.: 30 days 1
                         60 days 1
                          90 days 8
 
Acct: Cap one Auto
condition: closed
balance: 0
type: Auto Loan
pay status: Late 90 days
past due: 0
high balance: 16135.00
open: 3/1999
 
Acct: midland
condition: deragatory
balance: 1595.00
type: collection
pay status: late 120 days
high balance: 1023.00
reported: 6/2008
(Account for Friedmans)
 
Acct.: AFNI Bloom
condition: Derogatory
balance: 412.00
type: Collection
pay status: late 120 days
opened: 9/2007
account for tmobile (disputed think it is way too old been with suncom for he last 5 years dont even remebr this)
 
Acct: AFNI BLoom
condition: Derogatory
balance: 58.00
type: collections
pay status: late 120 days
opened: 9/2007
account for alltel ( disputed never had an alltel phone)
 
Acct: tigertranz
condition: derogatory
balance: 39.00
date opened: 10/2007(no creditors name dont know who this is disputed)
 
Sorry so long and I hope you are still online, I am a very slow typer any suggestions will be greatly appreciated. I was a very bad girl when it came to my credit. I am a little wiser now and if i can dig myself out I will NEVER!! NEVER!! have bad credit again.
 
Thanks despartate 4 a new house
 
 
 
 
 
 
Message 4 of 5
Highlighted
Moderator Emeritus

Re: Scores moving a little bit



looking4help wrote:
Hi Sidewinder,
My UTIL according to myfico on the EQ is 127%. I don,t know how all this works because I really don't have that many open TL's unless they calculate the closed accounts to with a balance. Here are my accounts I'll try to name them all as you know some accounts are not on all CRA.
 
Closed accounts with a balance are included in your util.
 
Acct: EMC mortgaage
Condition: Open
balance: 48489.00
Type: Conventional Mortgage
Pay Status: current
Past due: 0
high Balance: 50250.00
payment: 625.00
Opened: 12/2000
Two year Payment His.  30 days late 3/08, 7/07, 7/06
 
Send GW letter for removal of lates.
 
 
 
Acct: WAMU
Condition: Derogatory
Balance: 0
pay status: Collection/Charge off
Limit: 2000.00
payment: 1941.00
opened 4/2007
reported 4/2008
responsibility Authorized user (disputed not mines EX's still under investigation)
 
Are you still listed as an AU still? If so, you or the account holder will need to contact WAMU and have you removed.
 
Acct: HSBC Bank
Condition: Derogatory
Balance : 513.00
pay status: collection/charge off
past due: 22.00
limit: 0
opened: 3/2007
responsibility Authorized user (disputed not mines EX's still under investigation)
 
Same as above.
 
 
 
 
 
 
 
 
 
 
Acct: TRS INC
condition: Closed (Paid)
balance: 0
Type:  rental Agreement
pay status: current
High balance 1545.00
opened: 7/2005
two year payment his. : ok never late
 
 
Acct: TRS INC
condition: closed (paid)
balance: 0
Type: rental Agreement
pay Status: Current
High Balance: 1754.00
opened: 7/2005
two year his.: ok never late
 
Acct.: TRS INC
condition: Closed (paid)
balance:0
Type Rental Agreement
Pay Status: Current
High balance: 1458.00
Opened: 7/2005
two year hist. ok never late
 
Is TRS an OC or CA?
 
Acct.: Medical debt
condition: deragatory
Balance:100.00
type: Medical debt
past status: 120 days
past due: 100.00
high balance: 873.00
open: 10/2003
 
What is DOLA, DOFD? Who is reporting, OC or CA?
 
Acct.: Friedman's
Condition: deragatory
Balance: 0
Pay Status: Collection/charge off
high balance: 1023.00
opened: 3/2003
two year hist.: 30 days 1
                         60 days 1
                          90 days 8
 
What is DOLA, DOFD?  Is it paid or reporting $0 b/c it was sold?
 
 
 
Acct: midland
condition: deragatory
balance: 1595.00
type: collection
pay status: late 120 days
high balance: 1023.00
reported: 6/2008
(Account for Friedmans)
 
What is DOFD, DOLA, and SOL?
 
Acct.: AFNI Bloom
condition: Derogatory
balance: 412.00
type: Collection
pay status: late 120 days
opened: 9/2007
account for tmobile (disputed think it is way too old been with suncom for he last 5 years dont even remebr this)
 
Acct: AFNI BLoom
condition: Derogatory
balance: 58.00
type: collections
pay status: late 120 days
opened: 9/2007
account for alltel ( disputed never had an alltel phone)
 
Acct: tigertranz
condition: derogatory
balance: 39.00
date opened: 10/2007(no creditors name dont know who this is disputed)
 
You should send DV before disputing. Check your SOL first tho. Cell phones have a 2 year SOL(falls under Federal SOL)
 
 



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