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I have started rebuilding my credit for about a month as I would like to purchase a house in 2-3 years from now. I have seen some improvements to my score but would appreciate the communities help in removing my baddies.
Current Scores are:
Fico 8: EQ: 615 TransUnion: 620 Experian: 634
Good:
Merrick: $700/0 balance
Cap One $800/$50 balance
Lending Tree personal Loan: $4000/$3800 left
Credit One: $300/0 balance
The Bank of Missouri: $300/0balance
AU:
Paypal: $10000/$270 balance
Bank of America: $6000/$5200 Balance
Citi Card: $14000/$7500 Balance
Baddies:
Charge offs:
First Premier: $516/ Paid
Milestone: paid collections and has collection been deleted
The Bank of Missouri: paid collections and has collection been deleted
Closed but showing late:
Infiniti Motor Accep: 60days late.
Collection:
11 Charter Communications
Sold to IC Systems paid in full
Frontier Communications
Sold to Eastern Account System reporting but has been paid in full
nice work so far on the collections
get yourself removed from these 2 asap - you will very likely get an increase on your scores when they drop off (may take up to 60 days)
AU:
Bank of America: $6000/$5200 Balance - 86%
Citi Card: $14000/$7500 Balance - 53% util
both of these high util cards are losing you more points than you are potentially gaining from their Age or CLs
you are on a good path for score increases given more time for the Lates to age
Will it be possible to have the 2 collections showing removed? I have been searching and have seen mixed results.
@Anonymous wrote:Will it be possible to have the 2 collections showing removed? I have been searching and have seen mixed results.
If these are not with the OCs internal collection department then you may be able to get them removed with GW request if they are paid, if not paid you would attempt the PFD. OCs are not going to give you PFDs and it looks like you have some OCs listed.. If anything derog is updating monthly those are the ones you go after first as they are hurting you the most. As stated by the other poster there are 2 AU accounts that are costing you more than they help so I would be removed as AU on those 2. AUs are typically used to get you started and once you have your own accounts you should wind those down.
The 2 have been sold buy the OCs so I will try a goodwill letter the delete from report. As for the 2 AU account I have removed from being listed as AUs. I'll update as my scores updates thanks for the kind words.
Short update:
So far First premiere has reported on Trans Union and my score has gone up 16pts. Current scores are EQ: 615 TU: 636 Exp: 640. Still waiting for BOA and Citi to remove from my report.
Another update with my rebuild and wow what a month it has been so far. I have gotten rid of all but one of my CA account from my report and have been improvments with all 3 reports.
First Premier: $516/ Paid has been updated to settled and is now showing 0 balance
Milestone: paid collections and has collection been deleted
The Bank of Missouri: paid collections and has collection been deleted
Closed but showing late:
Infiniti Motor Accep: 60days late.
Collection:
11 Charter Communications
Sold to IC Systems paid in full has been deleted from my report on it's own.
Frontier Communications
Sold to Eastern Account System reporting but has been paid in full still showing in account but hoping this one gets deleted as well.
Started rebuild 2/16/22 with scores of:
Experian: 612 TransUnion: 600 Equifax: 595
As of today:
Experian: 671 TransUnion: 642 Equifax: 641
Goal Score: 720
I have called the 2 AU accounts and had them removed, agents on the line said would take up to 60 days for the update. Hoping this will give me a boost to all scores!
Quick update:
Bank of America AU has been removed from my report and currently showing as:
FICO8: 646 to 664 18pts jump.
Hoping my Equifax follows soon.
Hi,
I noticed you were able to have the milestone collection removed. I am trying to assist my Mom with removing it from her credit but haven't had any luck.
Do you mind sharing your approach for removal? (Letter, call, etc.)
@Anonymous wrote:I have started rebuilding my credit for about a month as I would like to purchase a house in 2-3 years from now. I have seen some improvements to my score but would appreciate the communities help in removing my baddies.
Current Scores are:
Fico 8: EQ: 615 TransUnion: 620 Experian: 634
Good:
Merrick: $700/0 balance
Cap One $800/$50 balance
Lending Tree personal Loan: $4000/$3800 left
Credit One: $300/0 balance
The Bank of Missouri: $300/0balance
AU:
Paypal: $10000/$270 balance
Bank of America: $6000/$5200 Balance
Citi Card: $14000/$7500 Balance
Baddies:
Charge offs:
First Premier: $516/ Paid
Milestone: paid collections and has collection been deleted
The Bank of Missouri: paid collections and has collection been deleted
Closed but showing late:
Infiniti Motor Accep: 60days late.
Collection:
11 Charter Communications
Sold to IC Systems paid in full
Frontier Communications
Sold to Eastern Account System reporting but has been paid in full