I started credit repair last month. I obtained personal loan from Lending Club (only one i could obtain) with horrible APR (30%); also obtained $4k CC from Apple (not reporting), $6.5k CC from PenFed (not reporting) and $1k PLOC from PenFed (not reporting) for overdraft protection of checking acct; used personal loan to pay off credit cards; following items deleted from EQ report: creditone CC (30 days past due), credit first CC IIB, NFCU CC IIB and CA for $1.4k medical debt; following items deleted from EX report: creditone CC (30 day past due pmt), credit first CC IIB; and following items deleted from TU: credit first CC IIB and CA for $1.4k medical debt.
Lending Club PL reporting to EX and TU as of 3/11/2022.
Didn't utilize AZEO Feb stmts due to monthly fee for February by Creditone. Plan to send in pmt from checking acct to cover fees next month and utilize AZEO.
As far as remaining derog to cleanup: EQ - Barclay CC IIB; TU - Barclay CC IIB; and EX - Barclay CC IIB and BBT CC IIB. Still debating how aggressive to be with pursuing deletion of Barclay CC IIB as it is oldest account and would negatively impact AAoA and AoOA for all 3 CRAs. Same with BBT CC IIB reporting to EX. Any thoughts on this issue?
I plan on calling PenFed to inquire about personal loan within 30-day inquiry period to pay off Lending Club PL if possible this month.
Question 1: Should I bother with attempting to delete the Barclay CC IIB as doing so would have the negative impact i referenced above? The account was opened in Nov 2011.
Question 2: Should I bother with attempting to delete the BBT CC IIB that is only reporting to EX? The account was opened in April 2011.
Thanks in advance for your feedback.
