It took a while but finally figured out reporting dates....

[Anonymous]

Hauling- Yes, as far as the clean up. I really dinged myself before knowing about this place. Paid off 6 med collections last November. (They all should fall off sometime this year, but moved them to a new status date-so I think they are factored as new baddies???)-These are all on the EQ.

I PIF'd a defaulted student loan, and had made a settlement on another. I found out the other day that I can get both removed if I rehab the amount not in settlement ($463). Both were from same lender one subsidized the other unsubsidized.

This will take 9 months of payments, and they will remove all accounts from credit report. I asked them to send me that paperwork in writing. That account is listed as "Settled for less than full balance" Amount due zero, but in the terms section says $463.

I will try the account thingy with the math.....love math!

Message Edited by miahmarie on 04-29-2008 09:06 PM

[Anonymous]

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miahmarie wrote:
Thanks Cheddar. I think I screwed myself by adding so many tradelines in the past year. The fact that I do pay in full seems to keep me just in the fair credit category.

I will try the simulator, and just sit and pray!

How did you manage to get your scores up--how long did it take?

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You're welcome, although I wish I had a better answer for you.  HTSU hit the nail on the head in her post above (as always!)

I started my rebuilding journey last July.  Scores at the time were high 500s/low 600s, but honestly it didn't take much effort on my part.  A few disputes of inaccurate lates got them removed.  An old auto loan riddled with lates was reporting much longer than it should have, so I disputed that as obsolete, and it was removed as well.  I got on as AU on two of DF's spotless CCs, one from 1998 and one from 2005.  Then I added a few (ha!) new revolving accounts of my own because I had none at all when I started.  Once all that was done I was in the mid- to upper-600s.

After that, my one and only collection aged off, and I got my utilization down to 1% with only two accounts reporting a balance.  Next thing I knew it, I had lower-mid 700s across the board.  It kind of took me by surprise how quickly it all happened!

Time and persistence are all it takes!   Hang in there!

Message Edited by cheddar on 04-29-2008 09:10 PM