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Seeking guidance with repair

suppa
Member

Seeking guidance with repair

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

Message 1 of 11
10 REPLIES 10
RSX
Valued Contributor

Re: Seeking guidance with repair

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

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2020 EX. 729 EQ. 723 TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
June 15/2022 EX. 714 EQ. 684 TU 710
Inq. EX 2 EQ 5 TU 4 - - CC 5x24, 2x12
Amex BCP $32k - Apple GS $19k - BMW/Elan $14k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $25.5k - HSBC Gold - $13k - PayBoo - $7.6k - Penfed Gold - $12.5k - USB AltitudeGO -$16k- USBank Cash+ -$24k - PenFed LOC - $20k - USB LOC - $8k
Message 2 of 11
suppa
Member

Re: Seeking guidance with repair

Will it be possible to have the 2 collections showing removed? I have been searching and have seen mixed results.

Message 3 of 11
gdale6
Moderator

Re: Seeking guidance with repair


@suppa 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.

Message 4 of 11
suppa
Member

Re: Seeking guidance with repair

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.

Message 5 of 11
suppa
Member

Re: Seeking guidance with repair

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.

Message 6 of 11
suppa
Member

Re: Seeking guidance with repair

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

 

 

Message 7 of 11
suppa
Member

Re: Seeking guidance with repair

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!

Message 8 of 11
suppa
Member

Re: Seeking guidance with repair

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.

Message 9 of 11
Rindy
Valued Member

Re: Seeking guidance with repair

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.)


@suppa 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


 


Starting Score: 593
Current Score: 652
Goal Score: 700


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Message 10 of 11
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